Grange provides the cheapest car insurance in Kentucky, with an average monthly rate of $143 for full coverage. Auto is considered necessary, but it isn't always easy to find cheap car insurance in Kentucky. That is why it is crucial to compare rates from various insurers. According to us, the average cost of full coverage car insurance in Kentucky is $2,488 per year or about $207 per month. The average cost of minimum coverage in Kentucky is $911 per year, but we discovered that you could probably get a cheaper policy. Kentucky Farm Bureau, for example, has the lowest rates in Kentucky, averaging $402 per year for minimum coverage car insurance for a 35-year-old driver with a clean driving record.
How we selected the cheapest businesses in Kentucky
NerdWallet's editorial team analyzed car insurance rates from 15 Kentucky auto insurers and found the five cheapest options for drivers in various age brackets. With different histories, all driving a 2019 Toyota Camry L. We looked at rates that reflect Kentucky's minimum requirements for minimum coverage. We used the following coverage limits for full coverage:- Each person is liable for $100,000 in bodily harm.
- Liability for bodily injury is $300,000 per accident.
- Property damage liability is $50,000 per accident.
- Uninsured motorist coverage of $100,000 per person.
- Uninsured motorist coverage of $300,000 per accident.
Most affordable for 20-year-old drivers
Drivers in their twenties may need several quotes to find the best cheap car insurance. Prices can be sky-high for younger 20-somethings, but they tend to fall as drivers gain more driving experience. Still, some companies regularly have better insurance rates for young drivers, so it's best to shop around to find them.Kentucky's cheapest full coverage car insurance for 20-year-olds
Drivers in Kentucky with clean driving records might be interested in the following companies, which had the lowest average rates:- Geico charges $2,885 per year or approximately $240 per month.
- Grange: $3,066 per year, or approximately $256 per month.
- State Farm charges $3,295 per year or approximately $275 per month.
- Nationally: $4,108 per year, or approximately $342 per month.
- Shelter costs $4,235 per year or $353 per month.
Kentucky's cheapest minimum coverage car insurance for 20-year-olds
Drivers in Kentucky who want only the state minimum coverage should look into the following companies, which have the lowest average rates:- Geico charges $924 per year or approximately $77 per month.
- State Farm charges $1,081 per year or approximately $90 per month.
- Kentucky Farm Bureau charges $1,104 per year or approximately $92 per month.
- Electric insurance costs $1,121 per year or approximately $93 per month.
- Grange costs $1,430 per year or approximately $119 per month.
- Kentucky's cheapest auto insurance for 20-year-olds with bad credit
- Geico: $1,177 per year, or approximately $98 per month
- Grange costs $1,849 per year or approximately $154 per month.
- State Farm charges $2,348 per year or approximately $196 per month.
- Progressive: $3,159 per year (approximately $263 per month).
- Include $3,244 per year or approximately $270 per month.
Kentucky's cheapest auto insurance for 20-year-old drivers with one at-fault accident
Here are the companies with the lowest average rates for minimum coverage for Kentucky drivers who have recently been in an accident:- Geico: $1,165 per year, or approximately $97 per month
- Electric insurance costs $1,180 annually or approximately $98 per month.
- Kentucky Farm Bureau charges $1,339 or approximately $112 per year.
- State Farm charges $1,385 per year or approximately $115 per month.
- Grange costs $1,803 per year or approximately $150 per month.
Kentucky's cheapest auto insurance for 20-year-old drivers after a DUI
The cheapest auto insurance we found after a DUI is shown here, along with the average rates for minimum coverage from the insurers.- Geico charges $1,349 per year or approximately $112 per month.
- State Farm charges $1,675 per year or approximately $140 per month.
- Progressive: $2,088 per year (approximately $174 per month).
- Grange costs $2,248 per year or approximately $187 per month.
- Electric insurance costs $2,421 per year or approximately $202 per month.
Most affordable for 30-year-old drivers
Most drivers will have lower car insurance rates in their 30s than in their teens and 20s. However, factors such as a person's driving record and car make and model can cause prices to rise. Drivers in their 30s can save money on car insurance by shopping around and taking advantage of any available discounts.Kentucky's cheapest full coverage car insurance for 30-year-olds
These companies may offer the best rates to Kentucky drivers with clean driving records:- Grange costs $1,723 per year or approximately $144 per month.
- Geico charges $1,746 per year or approximately $146 per month.
- State Farm charges $1,782 per year or approximately $148 per month.
- Kentucky Farm Bureau charges $1,790 per year or approximately $149 monthly.
- Across the country: $2,056 per year, or about $171 per month.
Kentucky's cheapest minimum coverage car insurance for 30-year-olds
Drivers in Kentucky seeking the state's minimum coverage should contact the following companies which had the lowest average rates:- Kentucky Farm Bureau: $4002 per year, or approximately $34 per month.
- Geico: $497 per year, or approximately $41 per month
- State Farm: $503 per year, or approximately $42 per month.
- Electric insurance costs $589 annually or approximately $49 per month.
- Enova costs $722 per year or roughly $60 per month.
Kentucky's cheapest auto insurance for 30-year-olds with bad credit
Drivers with bad credit in Kentucky should look into the companies that have the lowest average rates for full coverage:- Grange: $2,103 per year (approximately $175 per month).
- Geico charges $2,258 per year or approximately $188 per month.
- Across the country: $3,084 per year, or about $257 per month.
- State Farm charges $3,473 per year or approximately $289 per month.
- State Auto: $3,627 per year, or approximately $302 per month.
Kentucky's cheapest auto insurance for 30-year-old drivers with one at-fault accident
Here are the lowest average rate options for full coverage for Kentucky drivers who have recently been in an accident:- State Farm charges $2,113 per year or approximately $176 per month.
- Grange costs $2,232 per year or approximately $186 per month.
- Geico charges $2,350 per year or approximately $196 per month.
- Kentucky Farm Bureau: $2,389 per year, about $199 per month.
- Electric insurance costs $2,705 per year or approximately $225 per month.
Kentucky's cheapest auto insurance for 30-year-old drivers after a DUI
We discovered the following full coverage options for the cheapest auto insurance after a DUI.- State Farm charges $2,416 per year or approximately $201 per month.
- Grange: $2,593 per year, or approximately $216 per month.
- Geico charges $2,817 per year or approximately $235 per month.
- Progressive: $2,893 per year (approximately $241 per month).
- Across the country: $3,601 per year, or about $300 per month.
- Cheapest for drivers over 40
Kentucky full coverage car insurance for 40-year-olds is the most affordable.
Drivers in Kentucky with clean driving records may want to consider the companies with the lowest average rates:- Grange costs $1,717 per year or approximately $143 per month.
- Geico charges $1,718 per year or approximately $143 per month.
- Kentucky Farm Bureau charges $1,742 per year or approximately $145 per month.
- State Farm charges $1,745 per year or approximately $145 per month.
- State Auto: $1,972 per year, or approximately $164 per month.
Kentucky's cheapest minimum coverage car insurance for 40-year-olds
Drivers in Kentucky looking for the bare minimum of coverage should look into the following companies, which have the lowest average rates:- Kentucky Farm Bureau costs $389 per year or approximately $32 per month.
- Geico: $494 per year, or approximately $41 per month
- Electric insurance costs $497 per year or approximately $41 per month.
- State Farm: $505 per year, or approximately $42 per month.
- Enova costs $722 per year or roughly $60 per month.
Kentucky's cheapest auto insurance for 40-year-olds with bad credit
Drivers with bad credit in Kentucky should look into the insurers with the lowest average rates for full coverage:- Grange costs $2,095 per year or approximately $175 per month.
- Geico charges $2,184 per year or approximately $182 per month.
- Across the country: $3,022 per year, or about $252 per month.
- State Farm charges $3,392 per year or approximately $283 per month.
- State Auto: $3,426 per year (approximately $286 per month).
Kentucky's cheapest auto insurance for 40-year-old drivers with one at-fault accident
For drivers in Kentucky who have recently been in an accident, the following companies have the lowest average rates for full coverage:- State Farm charges $2,070 per year or approximately $172 per month.
- Grange costs $2,298 per year or approximately $192 per month.
- Geico charges $2,311 per year or approximately $193 per month.
- Kentucky Farm Bureau charges $2,322 per year or approximately $194 per month.
- Electric insurance costs $2,359 per year or approximately $197 per month.
Kentucky's cheapest auto insurance for 40-year-old drivers after a DUI
We found that the following companies had the cheapest auto insurance coverage for DUI drivers.- State Farm charges $2,368 per year or approximately $197 per month.
- Grange: $2,585 per year (approximately $215 per month).
- Progressive: $2,661 per year (approximately $222 per month).
- Geico charges $2,770 per year or approximately $231 per month.
- Across the country: $3,554 per year, or about $296 per month.
Cheapest for drivers over 50
On average, drivers in their 50s pay less for car insurance than most other age groups. Prices will continue to fall as they reach their 60s and gain driving experience. Rates can still vary depending on a driver's gender and location, so it's a good idea to shop for the best deal. Our list of low-cost auto insurance providers is an excellent place to start.Cheapest full coverage car insurance in Kentucky for people over 50
Drivers in Kentucky with clean driving records may wish to obtain quotes from the following insurance companies, which had the lowest average rates:- Kentucky Farm Bureau charges $1,455 per year or approximately $121 per month.
- Grange costs $1,623 per year or approximately $135 per month.
- Geico charges $1,702 per year or approximately $142 per month.
- State Farm charges $1,705 per year or approximately $142 per month.
- Housing costs $1,717 per year or about $143 per month.
Kentucky's cheapest minimum coverage car insurance for 50-year-olds
Drivers in Kentucky who choose the state minimum coverage should look into the following companies, which have the lowest average rates:- Kentucky Farm Bureau charges $329 per year or approximately $27 per month.
- Electric insurance costs $465 per year or approximately $39 per month.
- Geico charges $500 per year or approximately $42 per month.
- State Farm: $501 per year, or approximately $42 per month.
- Enova costs $605 per year or roughly $50 per month.
- Cheapest auto insurance in Kentucky for people over 50 with bad credit.
Drivers with bad credit in Kentucky should contact the following companies, which have the lowest average rates for full coverage:
- Grange: $1,973 per year (approximately $164 per month).
- Geico charges $2,364 per year or approximately $197 per month.
- Across the country: $2,861 per year, or about $238 per month.
- State Auto: $3,048 per year, or approximately $254 per month.
- State Farm charges $3,305 per year or approximately $275 per month.
Kentucky's cheapest auto insurance for 50-year-old drivers with one at-fault accident
Here are the insurers with the lowest average total coverage rates for Kentucky drivers who have recently been in an accident:- Kentucky Farm Bureau charges $1,927 per year or approximately $161 per month.
- State Farm charges $2,025 per year or approximately $169 per month.
- Electric insurance costs $2,102 per year or approximately $175 per month.
- Grange costs $2,239 per year or approximately $187 per month.
- Geico charges $2,423 per year or approximately $202 per month.
Kentucky's cheapest auto insurance for 50-year-old drivers after a DUI
The following companies offer the cheapest auto insurance for drivers with a recent DUI, with rates for full coverage.- State Farm charges $2,319 per year or $193 per month.
- Grange costs $2,433 per year or about $203 per month.
- Progressive insurance costs $2,484 per year (about $207 per month).
- Geico charges $2,781 per year, which is about $232 per month.
- Kentucky Farm Bureau charges $3,320 per year or approximately $277 per month.
Cheapest for drivers over 60
Even though 60-year-olds have lower average car insurance rates than many other age groups, prices will rise as they age. Drivers in their 60s should shop around for the best deal on auto insurance for seniors. Drivers in this age group should also take advantage of senior citizen discounts.Kentucky's cheapest full coverage car insurance for 60-year-olds
Drivers in Kentucky with clean driving records should consider getting quotes from the following companies, which had the lowest average rates:- Kentucky Farm Bureau charges $1,455 per year, which is about $121 per month.
- Grange: $1,538 per year (approximately $128 per month).
- State Farm charges $1,617 per year or approximately $135 per month.
- State Auto: $1,623 per year, or approximately $135 per month.
- Geico charges $1,702 per year or approximately $142 per month.
Kentucky's cheapest minimum coverage car insurance for 60-year-olds
Drivers in Kentucky seeking only the state minimum coverage should contact the following insurers, which have the lowest average rates:- Kentucky Farm Bureau charges $329 per year or approximately $27 per month.
- Electric insurance costs $444 per year or approximately $37 per month.
- State Farm charges $474 per year or approximately $40 per month.
- Geico charges $500 per year or approximately $42 per month.
- Enova costs $625 per year or $52 per month.
Kentucky's cheapest auto insurance for 60-year-olds with bad credit
Drivers with bad credit in Kentucky should consider the following companies, which have the lowest average rates for full coverage:- Grange costs $1,862 per year or approximately $155 per month.
- Geico charges $2,366 per year or approximately $197 per month.
- Across the country: $2,666 per year, or about $222 per month.
- State Auto: $2,793 per year (approximately $233 per month).
- State Farm charges $3,114 per year or approximately $260 per month.
Kentucky's cheapest auto insurance for 60-year-old drivers with one at-fault accident
For drivers in Kentucky who have recently been in an accident, the following companies have the lowest average rates for full coverage:- State Farm charges $1,920 per year or approximately $160 per month.
- Kentucky Farm Bureau charges $1,927 per year or approximately $161 per month.
- Electric insurance costs $2,012 per year or approximately $168 per month.
- Grange costs $2,146 per year or $179 per month.
- Geico charges $2,428 per year or approximately $202 per month.
After a DUI, the cheapest auto insurance in Kentucky for 60-year-old drivers
The following companies provided the cheapest auto insurance after a DUI and average rates for full coverage.- State Farm charges $2,198 per year or approximately $183 per month.
- Grange costs $2,286 per year or roughly $190 per month.
- Progressive: $2,391 per year (approximately $199 per month).
- Geico charges $2,789 per year or approximately $232 per month.
- Across the country: $3,274 per year, or about $273 per month.
Military families can get the cheapest car insurance
If you're an active military member or a veteran — or have an immediate family member who is — you'll probably get a good deal from USAA. This company is not open to the general public. Because of this limitation, USAA isn't ranked alongside the others, but it was among the top five cheapest auto insurance options for 46 of the 48 driver profiles.Kentucky's minimum auto insurance requirement
Kentucky auto insurance policies must include at least the following amounts of liability coverage and personal injury protection:- Liability for bodily injury is $25,000 per person.
- Liability for bodily injury is $50,000 per incident.
- Property damage liability is $25,000 per incident.
Kentucky auto insurance alternatives
Drivers who have been denied car insurance on the voluntary market due to a poor driving record or other factors can seek coverage through the Kentucky Automobile Insurance Plan.