Good news for Kentucky drivers: Jerry’s latest data shows that liability coverage in the Bluegrass State averages around $385 per month. Kentucky is a choice no-fault state, which means most drivers rely on personal injury protection (PIP) to cover medical expenses after a crash. This factor plays a major role in how insurers calculate risk. Over the last year, we’ve helped 9,833 Kentucky drivers secure cheaper coverage. Drivers who buy through Jerry save an average of $577 each year, without trimming essential protection.
Jerry compares quotes from up to 10 trusted insurers inKentucky, helping you build the right policy and uncover your lowest rate in minutes.
Save on Kentucky insurance with Jerry
What Kentucky drivers are paying right now
Car insurance costs in Kentucky can shift quickly, thanks to rising medical claim costs, storm activity and high accident rates on corridors like I-64 and I-75. Even two drivers with spotless records can pay very different prices depending on whether they live in Louisville or rural Appalachia.
Jerry tracks real-time quotes across the state to show what drivers are actually paying today. Here are recent examples of full coverage policies purchased through Jerry.
Recent quotes
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings vary by state, coverage, driver profile and other factors.
Key takeaway: Check your rate regularly. In Kentucky, everything from spring flooding to winter ice, plus high statewide medical claim costs, can push your premium up or down by renewal time.
4 smart ways Jerry helps Kentucky drivers save with Jerry
If you’re trying to cut your car insurance costs in Kentucky, you’re in good company. But the lowest rate on paper isn’t always the best value, especially in a state with no-fault medical benefits and some of the highest uninsured-driver rates in the region.
Jerry keeps things simple: We compare real quotes, highlight discounts you might otherwise miss and show exactly where you can save without sacrificing the coverage you rely on.
Here are the top ways Kentucky drivers save with Jerry.
| How to save | Average Kentucky driver savings |
|---|---|
| Compare quotes | 43% to 65% |
| Stack discounts | 24% to 36% |
| Pick the right deductible | 16% to 71%* |
| Keep a clean driving record | 83% |
*Among all Jerry drivers nationwide.
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings vary by state, coverage, driver profile and other factors.
Jerry Agent Tip 1: Compare quotes from multiple insurers
Kentucky’s car insurance pricing differs wildly from company to company. High medical claim costs, above-average crash rates in big cities and severe weather patterns all impact how carriers set premiums. Meanwhile, rural drivers often see lower claim frequency and very different pricing.
Comparing rates side-by-side with Jerry is the fastest way to ensure you’re not overspending.
Here’s where Kentucky drivers who saved switched after comparing with Jerry:
| Insurance carrier | Kentucky drivers who switched | Average Jerry savings |
|---|---|---|
| Progressive | 29% | 31% |
| Root | 10% | 28% |
| Bristol West | 8% | 27% |
| National General | 7% | 30% |
| Assurance America | 6% | 28% |
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings vary by state, coverage, driver profile and other factors.
Why it matters: Location is everything in Kentucky. Drivers in Louisville often face significantly higher premiums than those in Owensboro or Paducah. Jerry helps you map those differences instantly and find coverage that fits your budget.
Jerry Agent Tip 2: Combine discounts for a cheaper rate
Most Kentucky drivers qualify for several discounts, like home-and-auto bundles, telematics programs, safe-driver rewards, paperless billing and anti-theft devices. But insurers don’t always apply them automatically.
Jerry identifies every discount you’re eligible for so you don’t leave savings behind.
Key takeaway: Stacking discounts often delivers deeper savings than adjusting your deductible alone.
Jerry Agent Tip 3: Pick the right deductible
Choosing the right deductible is one of the easiest ways to adjust your premium. Raising it can reduce your monthly cost, but that only works if you can cover that amount after an accident. Kentucky’s mix of rural roads, deer collisions and winter ice makes this especially important.
Here’s what many Kentucky drivers on Jerry choose for their deductibles:
To find the right deductible:
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Look at your car’s current value (Jerry updates this automatically).
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Pick an amount you could reasonably cover after a surprise repair.
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Use Jerry to see how each deductible level changes your rate in real time.
The Jerry difference: Jerry shows you the savings across multiple deductible levels so you can find the best balance of cost and protection.
Jerry Agent Tip 4: Keep your record clean to unlock major savings
Nothing moves your insurance price more than your driving record. In Kentucky, even a single ticket or minor collision can follow you for years, and the reverse is also true: a clean record is one of the most powerful ways to bring your premiums down.
Jerry’s data shows that drivers with a clean driving history save an average of 83% compared to those with violations. Safe habits like steady braking, obeying speed limits and avoiding late-night or high-risk driving make a measurable difference in what insurers charge.
And when your record improves, Jerry automatically re-shops your policy so you capture every bit of those savings the moment you qualify.
Get personalized car insurance rates now
How to get better coverage without overpaying
Kentucky requires 25/50/25 liability coverage plus PIP, unless you reject PIP in writing. However, the minimums rarely provide enough protection, especially with rising repair and medical costs.
Here are the common coverage tiers in Kentucky:
Minimum
$100 – $221/mo
Meets Kentucky’s liability and PIP requirements, but does not protect your own vehicle.
Full
$171 – $389/mo
Adds comprehensive and collision coverage, often required for financed or leased vehicles.
Standard
$207 – $492/mo
Increases limits and often includes medical payments or uninsured/underinsured motorist coverage.
Preferred
$243 – $618/mo
Higher liability limits, lower deductibles and extras like rental reimbursement and towing.
Key takeaway: Start with what your car is worth and your comfort level with risk. Jerry shows real-time prices for each option so you can choose confidently.
Kentucky’s cheapest option is the legal minimum. However, adding collision or UM/UIM can make a major difference, especially in a state with one of the highest uninsured-driver rates in the region.
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Coverage definitions
Kentucky insurance factors at a glance
There are several unique factors shaping Kentucky’s car insurance prices. Here are the top ones to note:
Severe storms and hail
Kentucky sees heavy thunderstorm and hail activity, especially in spring. Comprehensive coverage is valuable.
Rural vs urban risk
Louisville and Lexington have higher crash and theft rates, while rural areas see more deer-collision claims.
No-fault rules
PIP covers your medical costs regardless of fault, but it doesn’t cover vehicle damage. Collision coverage fills that gap.
Uninsured drivers
Roughly 15% of Kentucky drivers are uninsured, so strong UM/UIM coverage is essential.
Kentucky Insurance After a Ticket, Accident or SR-22
One mistake shouldn’t define your rates. Jerry works with top insurers that take a balanced view of violations and automatically re-shop your coverage as your record improves.
If you got a ticket
Kentucky uses a points system, and violations remain on your record for years. Too many points can lead to mandatory driving courses or even suspensions. A single ticket can raise your premium 15% to 30% depending on severity.
Finishing an approved driver-improvement course may reduce points or lower your rate. Jerry automatically shops for lower prices once your violation clears.
The average rate increases for Kentucky drivers after a citation are:
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Speeding under 15: 7%
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Speeding over 15: 39%
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Failure to obey traffic sign: 30%
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings vary by state, coverage, driver profile and other factors.
If you’ve had an accident
Kentucky’s choice no-fault system means PIP covers initial medical costs, but the at-fault driver is still responsible for damage. An at-fault accident typically raises rates by 27%, and those increases can last three to five years.
Jerry helps you secure the best available rate immediately and re-shops your policy once the accident ages off.
Rates after an accident, full coverage
|
Accident record
|
Average monthly quote
|
|---|
|
Accident record
|
Average monthly quote
|
|---|---|
| Not At Fault | $445 |
| At Fault With No Injury | $514 |
| At Fault With Injury | $623 |
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings vary by state, coverage, driver profile and other factors.
If you’ve been convicted of a DUI
A DUI in Kentucky brings steep penalties and significantly higher insurance costs. Rates usually stay elevated for several years, but certain insurers offer fairer pricing for high-risk drivers.
Jerry identifies those carriers and automatically re-shops your coverage as your record improves.
The cheapest insurance companies for Kentucky drivers with a DUI are:
|
Insurer
|
Avg monthly rate after DUI
|
Offers coverage after DUI
|
|---|
|
Insurer
|
Avg monthly rate after DUI
|
Offers coverage after DUI
|
|---|---|---|
| $218 | Yes | |
| $238 | Yes | |
| $299 | Yes | |
| $343 | Yes | |
| $361 | Yes |
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings vary by state, coverage, driver profile and other factors.
If you need an SR-22 in Kentucky
Kentucky may require an SR-22 after certain violations, uninsured crashes or license suspensions. Select the SR-22 option in the Jerry app and we’ll only show insurers that handle your filing. Many carriers charge about $25 per year for the paperwork.
Car Insurance with Bad Credit
Kentucky allows insurers to consider credit-based insurance scores, meaning your credit can influence your premium. Still, maintaining continuous coverage, choosing the right deductible and comparing quotes frequently often have an even bigger impact on what you pay.
Jerry helps you compare rates instantly to find your lowest available price.
Average rates in Kentucky by credit score
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings vary by state, coverage, driver profile and other factors.
Drive with confidence
Kentucky’s blend of rolling highways, severe storms, rural wildlife crossings and bustling urban centers means there’s no single best policy. The right coverage protects you based on how and where you actually drive.
Jerry makes it easy to build a policy tailored to life in Kentucky, so you stay protected year-round.
Get Kentucky coverage in as little as 2 minutes
Methodology
To find the cheapest car insurance in each state, we use proprietary, real-world quotes from drivers — not third-party estimates. Each shopping journey includes multiple rounds of quotes, with information verified along the way.
At every stage, we aggregate and anonymize data to protect privacy and ensure accuracy. Because Jerry has delivered millions of quotes, often with multiple offers per driver, our datasets are large enough to avoid bias toward any one region, carrier or driver type.
Unlike other sites that rely on modeled rates, Jerry is a licensed insurance broker in 48 states, giving us firsthand visibility into how quotes are generated and validated.
Unless otherwise stated, rates reflect the last six months of verified full-coverage quotes for clean-record drivers. Data involving accidents or credit uses the last 18 months to ensure reliability.
Read more about Jerry’s data gathering and verification processes
Stephanie Colestock is a professional writer, CFEI®, and licensed insurance agent specializing in personal finance. With over 14 years of experience, she crafts insightful and accessible content on a wide range of financial topics, including insurance, loans, credit/debt, investing, retirement planning, and banking.
Her bylines appear in top-tier publications such as TIME, Fortune, MSN, Business Insider, USA Today, Money, Fox Business, and CBS. Stephanie’s deep understanding of complex financial concepts and her ability to communicate them clearly have made her a trusted voice in the industry.
When she’s not writing, Stephanie enjoys SCUBA diving, reading a good book, and traveling the world with her family.
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.
