Key Takeaways
- Dairyland, Trexis and Progressive offer some of the cheapest car insurance in Kentucky.
- The average cost of minimum coverage in Kentucky is around $185 per month.
- Compare quotes from multiple insurers to find cheap car insurance in Kentucky.
If you need cheap car insurance in Kentucky, consider companies like Dairyland, Trexis and Progressive. These are among the most affordable providers in the state, according to real quotes for Jerry customers.
Below are more cheap options for minimum and full coverage, plus by age, driving history and credit score.
Cheap liability car insurance in Kentucky
Below are the cheapest auto insurers in Kentucky for minimum coverage.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Commonwealth Insurance | $51 | $618 |
| Safeco | $96 | $1,152 |
| Electric | $108 | $1,298 |
| Progressive | $165 | $1,981 |
| Gainsco | $174 | $2,083 |
| First Acceptance | $191 | $2,290 |
| Trexis | $200 | $2,396 |
| National General | $212 | $2,548 |
| Bristol West | $240 | $2,879 |
| Dairyland | $250 | $2,995 |
Minimum car insurance requirements in Kentucky
Kentucky drivers are required to carry a minimum amount of auto insurance to drive legally. These requirements are:
- $25,000 in bodily injury liability per person.
- $50,000 in bodily injury liability per accident.
- $25,000 in property damage liability per accident.
- $10,000 in personal injury protection, or PIP. Drivers may waive this coverage, but must reject it in writing.
Cheap full coverage car insurance in Kentucky
Here are the most affordable insurers in Kentucky for full coverage policies, according to real quotes for Jerry customers.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Embark General | $118 | $1,422 |
| Bluefire | $143 | $1,711 |
| Safeco | $178 | $2,137 |
| Gainsco | $228 | $2,736 |
| Progressive | $257 | $3,079 |
| Electric | $282 | $3,382 |
| National General | $372 | $4,460 |
| Trexis | $388 | $4,656 |
| Root | $397 | $4,761 |
| Assurance America | $426 | $5,110 |
If you have a loan or lease on your vehicle, the lender will require
Average car insurance costs for young drivers in Kentucky
Below are the average costs of car insurance in Kentucky for drivers between 18 and 24.
|
Age Group
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| 18-20 | $533 | $6,396 |
| 21-24 | $407 | $4,887 |
Cheap liability car insurance in Kentucky for a 20-year-old
Below are the cheapest auto insurers in Kentucky for 20-year-olds with minimum coverage.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Trexis | $304 | $3,647 |
| Progressive | $307 | $3,687 |
| Dairyland | $342 | $4,101 |
| Clearcover | $436 | $5,238 |
| Root | $459 | $5,502 |
Cheap full coverage in Kentucky for a 20-year-old
Below are the cheapest auto insurers in Kentucky for 20-year-olds with full coverage.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Progressive | $547 | $6,561 |
| Root | $622 | $7,463 |
| National General | $666 | $7,994 |
| The General | $710 | $8,514 |
| Trexis | $714 | $8,564 |
Average auto insurance costs for mature drivers in Kentucky (25-54)
Below are the average costs of car insurance for drivers in Kentucky between the ages of 25 to 54.
|
Age Group
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| 25-34 | $311 | $3,727 |
| 35-44 | $274 | $3,284 |
| 45-54 | $252 | $3,024 |
Cheapest liability car insurance in Kentucky for a 35-year-old
Here are the most affordable insurers in Kentucky for 35-year-olds with minimum coverage policies, according to real quotes for Jerry customers.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Electric | $84 | $1,013 |
| Progressive | $141 | $1,691 |
| Trexis | $149 | $1,789 |
| National General | $194 | $2,322 |
| Dairyland | $262 | $3,149 |
Cheapest full coverage in Kentucky for a 35-year-old
These are the cheapest car insurance companies in Kentucky for 35-year-olds with full coverage, according to Jerry’s data.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Progressive | $237 | $2,850 |
| Trexis | $353 | $4,236 |
| National General | $367 | $4,402 |
| Bristol West | $416 | $4,990 |
| Root | $423 | $5,076 |
Average car insurance costs for older drivers in Kentucky (55+)
Below are the average costs of car insurance for drivers in Kentucky 55 and older.
|
Age Group
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| 55-64 | $225 | $2,698 |
| 65+ | $227 | $2,726 |
Cheapest liability car insurance in Kentucky for a 65-year-old
Below are the cheapest auto insurers in Kentucky for 65-year-olds with minimum coverage.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Progressive | $105 | $1,258 |
| National General | $123 | $1,480 |
| Trexis | $136 | $1,632 |
| Bristol West | $199 | $2,387 |
| The General | $215 | $2,577 |
Cheapest full coverage in Kentucky for a 65-year-old
Here are the most affordable insurers in Kentucky for 65-year-olds with full coverage policies, according to real quotes for Jerry customers.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Safeco | $96 | $1,146 |
| Progressive | $178 | $2,130 |
| National General | $205 | $2,458 |
| Dairyland | $309 | $3,704 |
| Bristol West | $396 | $4,752 |
Cheapest car insurance in Kentucky by driving history
Your driving history affects how much you pay for an auto insurance policy. If you have a clean record, you’ll likely pay less than a driver with a violation like a speeding ticket or at-fault accident.
Cheap car insurance for drivers with clean records in Kentucky
Below are the cheapest auto insurers in Kentucky for drivers with clean driving records.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Commonwealth Insurance | $51 | $618 |
| Embark General | $114 | $1,364 |
| Safeco | $121 | $1,456 |
| Progressive | $189 | $2,268 |
| Gainsco | $214 | $2,565 |
Cheapest car insurance with a speeding ticket in Kentucky
Here are the most affordable insurers in Kentucky for those with a speeding ticket, according to real quotes for Jerry customers.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Aspen | $106 | $1,273 |
| Assurance America | $137 | $1,646 |
| Safeco | $137 | $1,650 |
| Electric | $194 | $2,325 |
| Progressive | $213 | $2,551 |
Cheapest car insurance after an at-fault accident with no injury in Kentucky
These are the cheapest car insurance companies in Kentucky for drivers with an at-fault accident with no injury, according to Jerry’s data.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Aspire Advantage | $112 | $1,344 |
| Assurance America | $137 | $1,646 |
| Bluefire | $143 | $1,711 |
| First Acceptance | $191 | $2,290 |
| Safeco | $199 | $2,392 |
Cheapest auto insurance after an at-fault accident with injury in Kentucky
Below are the cheapest auto insurers in Kentucky for people with an at-fault accident with injury on their driving record.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Gainsco | $87 | $1,040 |
| Dairyland | $289 | $3,470 |
| Trexis | $313 | $3,757 |
| Root | $364 | $4,374 |
| Progressive | $500 | $6,002 |
Cheapest car insurance with a DUI in Kentucky
These are the cheapest car insurance companies in Kentucky for drivers with a DUI, according to Jerry’s data.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Gainsco | $87 | $1,040 |
| Progressive | $156 | $1,873 |
| Trexis | $173 | $2,078 |
| Root | $178 | $2,131 |
| National General | $199 | $2,383 |
Average auto insurance costs for Kentucky drivers with other violations
Below are average car insurance costs in Kentucky for other driving violations.
|
Violation Summary
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Careless Driving | $302 | $3,628 |
| Cell Phone | $260 | $3,120 |
| Driving on Sus. License | $235 | $2,821 |
| Failure to Obey Traffic Sign | $269 | $3,230 |
| Illegal Turn | $141 | $1,691 |
Cheapest auto insurance for low credit scores in Kentucky
You’ll likely pay more for auto insurance if you have a low credit score. That’s because insurers in Kentucky use credit as a factor in car insurance rate calculations — and drivers with low scores have been shown to be more likely to file a car insurance claim. Here are the cheapest auto insurance companies in Kentucky for drivers with a credit score below 550.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Commonwealth Insurance | $51 | $618 |
| Aspire Advantage | $112 | $1,344 |
| Bluefire | $143 | $1,711 |
| First Acceptance | $191 | $2,290 |
| Progressive | $201 | $2,416 |
Learn more: How credit-based insurance scores work
How to find cheap car insurance in Kentucky
Compare quotes from multiple insurers to find the cheapest car insurance policy. Your current insurer may have been the most affordable when you bought your policy, but you can’t be certain unless you compare rates at least once a year.
You can also try these tips to lower your auto insurance costs:
- Ask your insurer about discounts you qualify for.
- Install a telematics app on your phone.
- Improve your credit score.
- Pay your policy in full.
- Bundle your home and car insurance policies with the same company.
More: Best car insurance companies
Factors that affect car insurance costs in Kentucky
How much you pay for coverage depends on a variety of factors, including your:
- ZIP code.
- Driving history.
- Vehicle’s year, make, and model.
- Claims history.
- Car usage and miles driven.
- Deductible amount.
More: How car insurance rates are calculated
Methodology
Data included in this analysis comes from policies that Jerry has quoted within the last 18 months. Jerry services 48 states and offers a range of insurance companies to choose from.
Ben Moore is a writer and editor at Jerry and an auto insurance expert. He previously worked as a writer, editor and content strategist on NerdWallet’s auto insurance team for five years. His work has been published in The Associated Press, Washington Post, Chicago Sun-Times, MarketWatch, Nasdaq and Yahoo News. He also served as a NerdWallet spokesperson, with appearances on local broadcast television and quotes in Martha Stewart and Real Simple magazine.
Ben has an extensive background in digital marketing, working on affiliate and programmatic advertising campaigns for brands like Cabela’s, H&R Block and Sears. He holds a bachelors degree in marketing from Olivet Nazarene University.
Annie is a writer and editor at Jerry and has more than a decade of experience writing and editing digital content. Before joining Jerry, she was an assistant assigning editor at NerdWallet, where she covered loans. Previously, she worked at USAA and newspapers in Minnesota, North Dakota, California, and Texas. She holds a bachelor’s degree in journalism from the University of Minnesota.
