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.
To find the best car insurance in Kentucky, compare car insurance quotes from multiple insurers.
Cheap liability car insurance in Kentucky
Kentucky drivers looking to satisfy legal insurance requirements without a large financial burden often opt for minimum liability policies. These plans provide coverage for damages or injuries you may cause but exclude protection for your own vehicle. They’re commonly chosen by people who prioritize cost-saving over comprehensive coverage.
Below are the cheapest auto insurers in Kentucky for minimum coverage. To find the best deal, residents in Kentucky should compare rates from several insurers.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Gainsco | $87 | $1,040 |
| Safeco | $101 | $1,212 |
| Electric | $109 | $1,303 |
| Progressive | $174 | $2,085 |
| Trexis | $199 | $2,388 |
| National General | $221 | $2,646 |
| Dairyland | $249 | $2,985 |
| Bristol West | $250 | $2,995 |
| ROOT | $268 | $3,215 |
| First Acceptance | $273 | $3,279 |
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
Finding cheap full coverage car insurance in Kentucky requires evaluating both the cost and the extent of protection. Full coverage generally includes liability, collision and comprehensive which covers risks such as collisions, storm damage and break-ins whether you’re at fault or not. For vehicle owners with newer or more valuable cars, full coverage is the only way to ensure the cost of repairs or replacement is covered.
Here are the most affordable insurers in Kentucky for full coverage policies, according to real car insurance quotes for Jerry customers.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Safeco | $212 | $2,541 |
| Progressive | $289 | $3,474 |
| Gainsco | $338 | $4,058 |
| Trexis | $397 | $4,770 |
| National General | $403 | $4,831 |
| ROOT | $405 | $4,863 |
| Assurance America | $426 | $5,110 |
| Dairyland | $494 | $5,925 |
| Bristol West | $522 | $6,270 |
| The General | $593 | $7,122 |
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Average monthly quote:Methodology
Jerry's editorial team analyzed Jerry customer quotes to find the median full coverage quote, by ZIP code. We looked at customers driving popular vehicles, including the Ford-150, Honda Accord, Nissan Altima, RAM 1500, Toyota Camry and Toyota RAV4 . We also used the following base driver profile:
- 35-45 years old.
- Clean driving record.
- $50,000 in bodily injury liability, per person.
- $100,000 in bodily injury liability, per accident.
- $1,000 deductible for comprehensive and collision insurance.
Average car insurance costs for young drivers in Kentucky
Young drivers in Kentucky usually pay more for auto insurance due to their short driving history and increased likelihood of being in an accident. Insurers calculate risk based on age and inexperience, which puts new drivers in a higher-cost bracket even without traffic infractions. Kentucky families can find relief through student discounts or good-driver rewards programs.
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 | $493 | $5,918 |
| 21-24 | $411 | $4,932 |
Cheap liability car insurance in Kentucky for a 20-year-old
A 20-year-old in Kentucky might prefer liability-only insurance as a cost-effective way to stay legally covered but also keep costs down. If their vehicle isn’t worth much, full coverage could be an unnecessary financial burden ad liability policies offer a practical solution for budget-conscious young drivers.
Below are the cheapest auto insurers in Kentucky for 20-year-olds with minimum coverage.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Progressive | $289 | $3,463 |
| Trexis | $290 | $3,479 |
| ROOT | $322 | $3,868 |
| Clearcover | $334 | $4,011 |
| Dairyland | $337 | $4,045 |
Cheap full coverage in Kentucky for a 20-year-old
A 20-year-old in Kentucky may choose full coverage to stay protected especially if their car is new or still being paid off as this policy type offers more coverage than liability-only. Accidents and weather events can lead to expensive repairs that young drivers may not be ready for financially and full coverage adds a valuable layer of protection.
Below are the cheapest auto insurers in Kentucky for 20-year-olds with full coverage.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Clearcover | $582 | $6,981 |
| Progressive | $588 | $7,055 |
| ROOT | $624 | $7,493 |
| Trexis | $638 | $7,660 |
| Dairyland | $781 | $9,367 |
Average auto insurance costs for mature drivers in Kentucky (25-54)
In Kentucky, drivers with a long record of careful driving often pay lower insurance rates due to their dependable habits. Years of avoiding traffic violations or accidents work in their favor and insurers reward this predictability with better premium offers.
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 | $324 | $3,884 |
| 35-44 | $287 | $3,442 |
| 45-54 | $254 | $3,052 |
Cheapest liability car insurance in Kentucky for a 35-year-old
In Kentucky, a 35-year-old might lean toward liability-only insurance when their car’s value has declined over time and they may feel additional protection isn’t needed. This decision helps them balance required coverage with smart budgeting and is a no-nonsense way to stay insured and in control of expenses.
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 |
| Safeco | $117 | $1,410 |
| Trexis | $160 | $1,921 |
| Progressive | $162 | $1,949 |
| National General | $199 | $2,383 |
Cheapest full coverage in Kentucky for a 35-year-old
A 35-year-old may find full coverage insurance worthwhile as it can help absorb the cost of accidents or storm-related damage. Those who drive daily may want the reassurance that their car is fully protected, especially if the vehicle is of high value.
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 | $256 | $3,067 |
| Trexis | $362 | $4,342 |
| ROOT | $431 | $5,175 |
| National General | $440 | $5,283 |
| Bristol West | $445 | $5,345 |
Average car insurance costs for older drivers in Kentucky (55+)
Kentucky drivers over 55 may encounter rising insurance costs as response times and mental sharpness begin to decline. Insurers take note of even subtle age-related challenges and premium changes often reflect forward-looking safety concerns, not personal driving flaws.
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 | $254 | $3,042 |
| 65+ | $224 | $2,684 |
Cheapest liability car insurance in Kentucky for a 65-year-old
Older drivers in Kentucky might choose liability-only insurance when they no longer rely heavily on their car. If the vehicle is aging and not worth replacing, keeping coverage basic can make sense. This option ensures compliance with state law while reducing financial strain.
Below are the cheapest auto insurers in Kentucky for 65-year-olds with minimum coverage.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Progressive | $109 | $1,308 |
| National General | $123 | $1,471 |
| Trexis | $136 | $1,632 |
| Bristol West | $194 | $2,324 |
| The General | $215 | $2,577 |
Cheapest full coverage in Kentucky for a 65-year-old
In Kentucky, a 65-year-old may opt for full coverage auto insurance to guard against accidents, theft and weather-related hazards especially if they still use their vehicle on a regular basis. Protecting their finances by minimizing unexpected expenses can be vital in retirement.
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
|
|---|---|---|
| Progressive | $216 | $2,598 |
| ROOT | $258 | $3,094 |
| National General | $278 | $3,333 |
| Dairyland | $386 | $4,637 |
| Bristol West | $397 | $4,767 |
Cheapest car insurance in Kentucky by driving history
Your driving history is a key factor in determining what insurance options are available to you. Repeated incidents may suggest to insurers that you're likely to have more in the future and this risk evaluation helps companies set policy terms.
Cheap car insurance for drivers with clean records in Kentucky
A spotless driving record in Kentucky can help you gain better access to insurance products. It shows a pattern of careful and responsible behavior and providers are more comfortable offering lower prices to drivers with proven safe habits.
Below are the cheapest auto insurers in Kentucky for drivers with clean driving records.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Safeco | $133 | $1,597 |
| Progressive | $204 | $2,447 |
| Trexis | $241 | $2,893 |
| Gainsco | $251 | $3,009 |
| National General | $263 | $3,160 |
Cheapest car insurance with a speeding ticket in Kentucky
Speeding tickets in Kentucky may cause a shift in how insurers assess your reliability. One violation may not be severe, but it still factors into your risk level and it can affect pricing and availability of certain plans.
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
|
|---|---|---|
| Safeco | $119 | $1,433 |
| Aspen | $129 | $1,543 |
| Progressive | $224 | $2,686 |
| National General | $291 | $3,489 |
| ROOT | $313 | $3,756 |
Cheapest car insurance after an at-fault accident with no injury in Kentucky
If you’re responsible for a crash in Kentucky that didn’t cause injuries, it can still influence your insurance standing. Even without harm, damage to vehicles or property still creates liability and these types of events are often followed by premium increases.
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 |
| Safeco | $216 | $2,597 |
| Electric | $229 | $2,750 |
| Gainsco | $254 | $3,046 |
| Progressive | $270 | $3,243 |
Cheapest auto insurance after an at-fault accident with injury in Kentucky
An accident resulting in injury where you are at fault is a significant mark on your insurance record. It involves substantial liability, and insurers take that seriously. These events often result in long-term adjustments to your policy and the impact can last more than one renewal cycle.
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 |
| Progressive | $287 | $3,443 |
| Trexis | $300 | $3,604 |
| ROOT | $329 | $3,943 |
| National General | $336 | $4,030 |
Cheapest car insurance with a DUI in Kentucky
A DUI charge in Kentucky can result in strict responses from your insurer. It suggests a disregard for safe driving and companies may increase your premiums or restrict your insurance choices.
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 |
| Clearcover | $110 | $1,322 |
| Progressive | $147 | $1,769 |
| Trexis | $152 | $1,829 |
| National General | $158 | $1,899 |
Average auto insurance costs for Kentucky drivers with other violations
In Kentucky, actions like driving with expired registration or disregarding traffic signs are noted by insurers as well. These violations may seem minor, but they add up over time and insurers use them to evaluate your consistency and judgment. Repeated offenses can lead to higher rates or limited coverage.
Below are average car insurance costs in Kentucky for other driving violations.
|
Violation Summary
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Careless Driving | $230 | $2,757 |
| Cell Phone | $279 | $3,350 |
| Defective Equipment | $330 | $3,964 |
| Driving on Sus. License | $244 | $2,926 |
| Failure to Obey Traffic Sign | $236 | $2,831 |
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
|
|---|---|---|
| Aspire Advantage | $112 | $1,344 |
| First Acceptance | $191 | $2,290 |
| Progressive | $214 | $2,568 |
| Gainsco | $254 | $3,046 |
| National General | $261 | $3,126 |
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 with more than a decade of experience writing and editing digital content. Before joining Jerry, she was an assistant assigning editor at NerdWallet. Her past work has appeared in the Associated Press, USA Today and The Washington Post. Her work has been cited by NorthWestern University and Harvard Kennedy School. Annie served as a spokesperson for NerdWallet during her time at NerdWallet and has been featured in New York Magazine, MarketWatch and on local television and radio stations.
Previously, she worked at USAA and newspapers in Minnesota, North Dakota, California and Texas. She has a bachelor’s degree in journalism from the University of Minnesota.
