Jerry works with 12 different insurance companies in the Bluegrass State, and this year alone we’ve helped 17,394 Kentucky drivers get competitive quotes and switch their coverage.

We understand that every driver has different needs, and since we’ve helped thousands of KY drivers just like you, we understand what’s important. We can show you real choices made by real people, and how other drivers in your state are choosing their top car insurance coverage

Here’s what we’ve noticed:

• Progressive is the most commonly-chosen insurer among Jerry customers in Kentucky.

• GEICO and National General are next, making up more than a third of the state’s total market share combined.

• The rest of our customers are spread across strong carriers like ROOT and Trexis, among others.

The takeaway is simple: there’s no one “best” company for everyone. But there is a best fit for you, based on your driving profile, coverage needs and risk tolerance.

Most popular insurers in Kentucky

Insurer	Share of Jerry drivers	Jerry customer rating
Progressive	39%	4.6
GEICO	26%	5.0
National General	13%	4.4
ROOT	9%	5.0
Trexis	9%	4.8

Based on the most frequently chosen carriers by Jerry customers in this state. Customer rating based on average rating by Jerry customers in this state.

Quick picks: Best Kentucky car insurance by driver profile

Here are the categories we chose when selecting our best insurance companies for Kentucky drivers, and why. Use this as a starting point, then let Jerry personalize the results for your exact details.

How Jerry helps Kentucky drivers find their best insurance

Most quote sites stop at “here’s the cheapest.” Jerry goes further.

For Kentucky drivers, this is what happens when you shop with us. We:

• Use real data from 17,394 recent Kentucky quotes to best compare your coverage options.

• Analyze 12 top insurers in this state against our quality criteria and your specific needs.

• Show you highly-rated options that balance coverage, claims and cost.

• Explain why each option makes sense for your situation.

• Handle all the paperwork — including cancellation and refund requests — and help you switch, so you never have a coverage gap.

• Continue monitoring market rates so you always know when it’s time to shop for better pricing.

What does that mean for KY drivers? An average annual savings of $694 and high satisfaction rates among drivers who switch with Jerry.

Skip the quote chaos. Answer a few quick questions and we’ll do the heavy lifting, fast.

Best car insurance for most KY drivers

Kentucky drivers have 12 insurance companies to choose from when shopping through Jerry. Since carriers vary on coverage options, features, benefits and price, customers can shop around and find the right mix of affordability and protection.

Here are some of the most recent quotes that drivers have received in the state:

Recent quotes in Kentucky

For most good drivers in Kentucky who want full coverage and strong claims support, three companies tend to rise to the top as customer favorites: Progressive, GEICO and National General. Jerry can compare them (and more) side-by-side in just minutes, so you can focus on the one that works best for you.

Here’s a rundown of what each offers and why customers choose them as a top pick.

1. Progressive

Recent quotes for KY drivers

Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.

Customer rating based on average rating by Jerry customers in this state.

• Why we recommend Progressive:

  • Strong pricing across a broad mix of drivers, including full-coverage shoppers.
  • Smooth digital experience for payments, policy changes and claims.
  • Plenty of coverage add-ons and bundling options for a more complete setup.
  • Beyond price, Jerry customers most frequently praise Progressive for its robust app and variety of discounts.

2. GEICO

Recent quotes for KY drivers

Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.

Customer rating based on average rating by Jerry customers in this state.

• Why we recommend GEICO:

  • Convenient online and in-app quoting, policy updates and claims submission.
  • Competitive pricing for full coverage for a wide range of Kentucky drivers.
  • Snapshot® can unlock extra discounts as safe driving continues.
  • Jerry customers most frequently praise GEICO for its helpful mobile app, but also enjoy this carrier’s pricing and customer service.

3. National General

Recent quotes for KY drivers

Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.

Customer rating based on average rating by Jerry customers in this state.

• Why we recommend National General:

  • Allstate-backed resources stand behind service and claims.
  • A+ (Superior) AM Best financial strength rating.
  • Strong specialty lineup, including RV coverage and umbrella add-ons.
  • Jerry customers most often choose National General for its competitive pricing, but also praise the carrier’s mobile app and customer service.

Best KY car insurance for bundling home and auto

If you’re a homeowner, your insurance decisions usually shift from “cheapest” to “best fit.” Your auto policy needs to match the life you’ve built, including the property, savings and people who depend on you.

Many drivers start with bundling auto and home insurance because it’s an easy way to simplify policy management and qualify for discounts. But even without bundling, homeownership can still work in your favor. Some carriers offer homeowner-specific discounts or higher coverage limits that better reflect what you’re protecting.

In Kentucky, Jerry sees most home-owning customers choosing Progressive, GEICO and National General for their auto coverage, with or without bundling those policies. Here’s what each top carrier offers and why Jerry customers pick them most often.

1. Progressive

Recent quotes for homeowners

Based on Jerry customers with clean driving records, who own a home and found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.

Customer rating based average rating by Jerry customers that are homeowners in the past 12 months.

• Why we recommend Progressive:

  • Strong legal and claims teams for major accidents and lawsuits.
  • High liability and umbrella options that fit smoothly with homeowners policies.
  • Deep experience with complex coverage needs for households with higher assets and net worths.
  • Beyond price, Jerry customers most frequently praise Progressive for its robust app and variety of discounts.

2. GEICO

Recent quotes for homeowners

Based on Jerry customers with clean driving records, who own a home and found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.

Customer rating based average rating by Jerry customers that are homeowners in the past 12 months.

• Why we recommend GEICO:

  • Bundle discounts when you pair auto with home, renters or condo.
  • Highly rated app for ID cards, payments, vehicle changes and claims.
  • A++ AM Best financial strength rating for reliability.
  • Jerry customers most frequently praise GEICO for its helpful mobile app, but also enjoy this carrier’s pricing and customer service.

3. National General

Recent quotes for homeowners

Based on Jerry customers with clean driving records, who own a home and found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.

Customer rating based average rating by Jerry customers that are homeowners in the past 12 months.

• Why we recommend National General:

  • Robust discounts and straightforward bundling with home and other policies.
  • Top-rated customer service when policy owners need to adjust coverage, track losses or ask questions.
  • A++ financial strength rating from AM Best for reliable claims payment.
  • Jerry customers most often choose National General for its competitive pricing, but also praise the carrier’s mobile app and customer service.

Best value for budget-focused KY drivers

If you’re watching your monthly cost but refuse to trim your coverage, our data show that Progressive, GEICO and National General often deliver the strongest value for Kentucky drivers. This doesn’t necessarily mean the cheapest car insurance in Kentucky, but rather the best balance of price and protection.

Over the past 12 months, Jerry has helped 12,579 Kentucky drivers find coverage under $100/month, without dropping to bare-minimum limits.

Here’s a look at what each top carrier offers and why customers say they’re a top pick.

1. Progressive

Recent price-friendly quotes

Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.

Customer rating based on average rating by Jerry customers with below-average credit profiles in the past 12 months.

• Why we recommend Progressive:

  • Budget-friendly quotes for many driver profiles, including minimum coverage shoppers.
  • Flexible coverage limits and deductibles so you can right-size cost.
  • Optional add-ons that can protect your budget after a claim, like accident forgiveness and deductible savings features.
  • Beyond price, Jerry customers most frequently praise Progressive for its robust app and variety of discounts.

2. GEICO

Recent price-friendly quotes

Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.

Customer rating based on average rating by Jerry customers with below-average credit profiles in the past 12 months.

• Why we recommend GEICO:

  • DriveEasy usage-based program through the mobile app, savings potential varies by state and results.
  • Multi-vehicle and multi-policy discounts to stack savings.
  • Optional roadside assistance coverage to help manage towing and lockout costs.
  • Jerry customers most frequently praise GEICO for its helpful mobile app, but also enjoy this carrier’s pricing and customer service.

3. National General

Recent price-friendly quotes

Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.

Customer rating based on average rating by Jerry customers with below-average credit profiles in the past 12 months.

• Why we recommend National General:

  • Practical protection you can add without jumping to full coverage everywhere, like rental reimbursement or towing-style help.
  • Multi-car setups can lower per-vehicle cost for households insuring more than one car.
  • Resources to help drivers right-size coverage and avoid paying for extras they don’t need.
  • Jerry customers most often choose National General for its competitive pricing, but also praise the carrier’s mobile app and customer service.

Best car insurance for KY families with teen drivers

Adding a teen driver in Kentucky isn’t just a “small update” to your auto policy. It’s a major pricing event, and the jump can feel disproportionate, especially if your teen is driving infrequently or sharing a family car. The key is knowing which carriers are more competitive for teen drivers and which ones price them sky-high by default.

Jerry has helped 357 KY families with teen drivers save an average of $249 annually, most often with Progressive, Trexis and ROOT. Here’s a look at what those most popular carriers offer and why Jerry customers choose them.

1. Progressive

Recent teen driver quotes

Based on Jerry customers with clean driving records and a teen on their policy, who found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.

Customer rating based on average rating by Jerry customers that have children of driving age in the past 12 months.

• Why we recommend Progressive:

  • Teen driver discount available for drivers 18 or under after one year.
  • Distant student discount for young students or under who live 100+ miles from home with no car at school.
  • If your policy covers multiple vehicles, a listed teen is typically covered driving any vehicle on that policy.
  • Beyond price, Jerry customers most frequently praise Progressive for its robust app and variety of discounts.

2. Trexis

Recent teen driver quotes

Based on Jerry customers with clean driving records and a teen on their policy, who found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.

Customer rating based on average rating by Jerry customers that have children of driving age in the past 12 months.

• Why we recommend Trexis:

  • Non-standard focus helps families avoid “one driver breaks the whole plan.”
  • SR-22 filing support where required.
  • Coverage range from minimum to fuller protection supports different cars in the driveway.
  • Aside from competitive pricing, Jerry customers praise Trexis for available discounts and customer service satisfaction.

3. ROOT

Recent teen driver quotes

Based on Jerry customers with clean driving records and a teen on their policy, who found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.

Customer rating based on average rating by Jerry customers that have children of driving age in the past 12 months.

• Why we recommend ROOT:

  • In-app digital ID cards are helpful for teens, spouses and shared vehicles.
  • Roadside assistance included with many policies.
  • Less emphasis on traditional discount stacking and more emphasis on driving behavior.
  • Jerry ROOT customers primarily like the carrier’s pricing, but also praise its mobile app and customer service.

Best car insurance for KY college students

College can turn a “set it and forget it” policy into a moving target. A driver might change addresses, drive fewer miles, or keep a car on campus for part of the year and at home for the rest. If your policy doesn’t keep up, you can end up overpaying, underprotected or both.

Jerry has helped 1,972 college students in Kentucky find affordable coverage that still protects them whether they’re on or off campus, driving home for the summer or something in between. Progressive, GEICO and ROOT are the top choices for Jerry college students in this state. Here’s what each carrier offers and why it stands out.

1. Progressive

Recent college driver quotes

Based on Jerry customers with clean driving records, between ages 17-24, who found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.

Customer rating based on average rating by Jerry customers that have children of driving age in the past 12 months.

• Why we recommend Progressive:

  • Accident forgiveness options for small and large claims, depending on driver tenure.
  • Deductible Savings Bank can reduce comp or collision deductibles each claim-free policy period while enrolled.
  • Many discounts and programs built for multi-driver households.
  • Beyond price, Jerry customers most frequently praise Progressive for its robust app and variety of discounts.

2. GEICO

Recent college driver quotes

Based on Jerry customers with clean driving records, between ages 17-24, who found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.

Customer rating based on average rating by Jerry customers that have children of driving age in the past 12 months.

• Why we recommend GEICO:

  • Top-rated app for payments, ID cards and claims tracking.
  • Driver education and defensive driving discounts available.
  • Claim Forgiveness can be used by any drivers on the policy.
  • Jerry customers most frequently praise GEICO for its helpful mobile app, but also enjoy this carrier’s pricing and customer service.

3. ROOT

Recent college driver quotes

Based on Jerry customers with clean driving records, between ages 17-24, who found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.

Customer rating based on average rating by Jerry customers that have children of driving age in the past 12 months.

• Why we recommend ROOT:

  • No plug-in device required, just the phone the student already has.
  • Pricing tied to driving behavior, which can help responsible new drivers stand out.
  • Coverage can be kept lean while still meeting core liability needs.
  • Jerry ROOT customers primarily like the carrier’s pricing, but also praise its mobile app and customer service.

Best KY car insurance for drivers with violations

One mistake on the road can change your insurance pricing for years. Tickets, at-fault accidents and DUIs often trigger “high-risk” rates and can narrow the list of carriers willing to write your policy. Still, you have options, and you don’t have to overpay just because your record isn’t spotless.

Jerry has helped 1,172 Kentucky drivers with violations find coverage this past year at affordable prices. We also monitor rates and flag the right time to shop again once those violations age out, so you can potentially save even more.

In fact, many Jerry drivers with violations end up with Progressive, National General and Trexis — carriers that are often more flexible with Kentucky drivers who have violations on their record.

1. Progressive

Recent quotes post-violation

Based on Jerry customers with one or more accidents and violations on their records who found savings in the past 18 months. Savings depend on coverage and other factors. Potential savings will vary.

Customer rating based on average rating by Jerry customers with violations in the past 12 months.

• Why we recommend Progressive:

  • Strong option for drivers with tickets and at-fault accidents who need SR-22.
  • App supports quick policy changes, ID cards and claims filing.
  • Small Accident Forgiveness can limit impact from a first claim under $500.
  • Beyond price, Jerry customers most frequently praise Progressive for its robust app and variety of discounts.

2. National General

Recent quotes post-violation

Based on Jerry customers with one or more accidents and violations on their records who found savings in the past 18 months. Savings depend on coverage and other factors. Potential savings will vary.

Customer rating based on average rating by Jerry customers with violations in the past 12 months.

• Why we recommend National General:

  • Financial responsibility filing support like SR-22 may be available where required.
  • Tiered pricing can help drivers with tickets or past incidents find a placement that fits their profile.
  • Digital tools to help drivers avoid coverage gaps and keep policies structured correctly after changes.
  • Jerry customers most often choose National General for its competitive pricing, but also praise the carrier’s mobile app and customer service.

3. Trexis

Recent quotes post-violation

Based on Jerry customers with one or more accidents and violations on their records who found savings in the past 18 months. Savings depend on coverage and other factors. Potential savings will vary.

Customer rating based on average rating by Jerry customers with violations in the past 12 months.

• Why we recommend Trexis:

  • Non-owner coverage helps drivers meet requirements without owning a car.
  • Roadside assistance option helps reduce everyday disruptions.
  • SR-22 filing available when required.
  • Aside from competitive pricing, Jerry customers praise Trexis for available discounts and customer service satisfaction.

Car insurance options for KY military families

Active-duty, reserve, guard or veteran, military life can change your driving patterns fast, from long stretches off the road to sudden moves across state lines. Jerry has helped Kentucky military families find coverage that works for deployments, PCS moves and the in-between months.

If you qualify for military-focused insurers, start there. Then widen the search, many standard insurers also offer strong military discounts and flexible policy options, and Jerry can compare them for you.

Here’s how to think about your options.

Option A: Military-only insurers to check directly

There are insurers built specifically for military life, including USAA, Navy Federal, Armed Forces Insurance and similar providers.

If you qualify, put them on your shortlist. These companies are built around deployments, PCS orders and frequent moves, and they often offer storage or reduced-use options when your vehicle is parked during deployment. Their service teams also tend to know the realities of orders, pay and timelines, which can reduce friction.

Because these insurers operate a bit differently, Jerry can’t always show live quotes or internal ratings for them. If you qualify, the best way to compare is:

1. Use Jerry to price and compare standard insurers, then
2. Pull direct quotes from one or more military-only insurers.

That way, you’re comparing their offer against competitive market rates.

Option B: Standard insurers with strong military benefits (that Jerry can quote)

Even if you qualify for military-only insurers, it’s worth looking at national carriers that offer military discounts, manage deployments and multi-state moves well and are fully integrated with Jerry’s quoting and switching flow.

For many KY military families, GEICO, State Farm and Progressive are often part of the comparison.

1. GEICO

Best for: Discounts and practical flexibility during deployments

Why it often works well for service members:

• Military discounts and ways to adjust coverage when you deploy or drive less.

• 24/7 support that holds up across time zones, including OCONUS.

• App-based policy access for proof of insurance, claims and quick changes.

2. State Farm

Best for: PCS continuity and local agent support

Why it often works well:

• One of the largest agent networks, useful if you move often.

• Agents in many base-adjacent communities.

• Bundling that stays simple when you add home or condo coverage.

3. Progressive

Best for: Households that need fast updates

Why it can be a good fit:

• Strong pricing across many scenarios, including frequent movers.

• Digital tools for updating garaging address, mileage and policy details.

• Add-ons like rental and roadside for coverage that travels better.

Jerry can’t claim to “rank” USAA or Navy Federal against these carriers, but we can show you in minutes how GEICO, State Farm, Progressive and other standard insurers price your situation in Kentucky.

Best car insurance for senior drivers in Kentucky

For Kentucky drivers 65 and older, the goal is usually simple: reliable coverage from a carrier that won’t make you fight for basic support. That’s why Jerry drivers most often choose Progressive, GEICO and National General for seniors who value stability, service, and straightforward claims handling.

In the last 12 months, we’ve helped 803 KY seniors find coverage that reflects their years of experience behind the wheel and how they actually drive today.

1. Progressive

Recent senior driver quotes

Based on Jerry customers 65+ with clean driving records who found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.

Customer rating based on average rating by Jerry customers of age 65+ in the past 12 months.

• Why we recommend Progressive:

  • Roadside assistance option for towing, lockouts, flat tires and fuel delivery.
  • Defensive driving course discount in states where it applies.
  • Large Accident Forgiveness after 5 years with an accident-free and violation-free period in most states.
  • Beyond price, Jerry customers most frequently praise Progressive for its robust app and variety of discounts.

2. GEICO

Recent senior driver quotes

Based on Jerry customers 65+ with clean driving records who found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.

Customer rating based on average rating by Jerry customers of age 65+ in the past 12 months.

• Why we recommend GEICO:

  • DriveEasy discount can reach up to 15%.
  • Optional roadside assistance helps manage towing and lockout costs.
  • Paid-in-full, autopay and paperless discounts can help reduce the total bill.
  • Jerry customers most frequently praise GEICO for its helpful mobile app, but also enjoy this carrier’s pricing and customer service.

3. National General

Recent senior driver quotes

Based on Jerry customers 65+ with clean driving records who found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.

Customer rating based on average rating by Jerry customers of age 65+ in the past 12 months.

• Why we recommend National General:

  • Telematics option that can suit steady, lower-mileage driving patterns.
  • Easy resources to help retirees right-size coverage options for their changing driver needs.
  • Roadside-style add-on for towing and lockouts.
  • Jerry customers most often choose National General for its competitive pricing, but also praise the carrier’s mobile app and customer service.

How Jerry picks the best insurers in Kentucky

Most sites just sort companies by price. Jerry does more. 

No one wants to overpay for insurance, but Jerry knows that other factors matter, too. We use our own proprietary Jerry Score to grade each insurance company. Built from real Kentucky driver data, this score evaluates insurers on:

The result? We show you a short list of options tailored to how you actually drive and what you actually own.