Kentucky Car Insurance Guide (Cheap Rates + Best Companies)
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Written by
Rachel Bodine
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Reviewed by
Jeffrey Johnson
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UPDATED: Apr 14, 2022
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Shopping for car insurance can be a stressful and complicated process. Searching for the best rates is one crucial step, but the price isn’t the only factor you need to consider. When it comes to auto insurance, it’s vital that you select the company that offers both affordable, quality service and policies that meet your specific needs as a driver. Today, we’re going to explore the best Kentucky car insurance companies.
This in-depth article will examine the rates, ratings, and services offered by some of the most prominent Kentucky auto insurers. We’ll compare the available products and discuss the best companies for different age groups and driving needs. Finally, we’ll investigate the customer reviews and Kentucky state laws, so you can have a complete picture of the Kentucky auto insurance options.
Table of Contents
What are the best Kentucky car insurance companies?
At $1,556, the average yearly rate for auto insurance in Kentucky is higher than the national average. However, you can still find affordable options.
When comparing auto insurance companies, remember to consider the available add-ons and discounts. Adding extras, such as GAP insurance or an umbrella insurance policy, is a great way to increase the value of your primary plan.
Here’s our list of the best companies for different types of drivers in Kentucky.
USAA
USAA is known as an excellent insurance agency. Its customer satisfaction rates are high, and its rates are affordable.
The pros:
- Affordable. USAA is known for its affordable services. Drivers who switch to USAA average $725 in yearly savings, and out of the insurers listed here, the company offers the lowest rates for teen drivers.
- Flexible coverage options. The company provides a full range of insurance products to protect you and your vehicle. It offers many discounts and customization options.
- Customer satisfaction. USAA is highly respected. The company holds an A++ rating with A.M. Best, and customer reviews are generally excellent.
The cons:
- Limited eligibility. USAA’s insurance products are only available to active duty or former military service members and their families.
USAA offers protection from basic liability to full coverage backed by its 24/7 claims service.
GEICO
GEICO is another excellent option for Kentucky drivers. Its services are well-known and highly rated. GEICO has the lowest average annual rates of the insurers listed here, well below the Kentucky average.
The pros:
- Affordable. GEICO is consistently one of the cheapest options in all major categories for Kentucky drivers.
- Lots of discount options. GEICO offers a wide variety of savings opportunities on its plans.
- Great mobile app. GEICO provides customers with an excellent mobile app to access and manage their plans.
The cons:
- Few available riders. The company does not offer as many endorsements as its competitors, resulting in fewer options for customization.
GEICO boasts a 97% customer satisfaction rate and provides a wealth of online information.
State Farm
State Farm is another great choice for Kentucky drivers. The company offers reliable coverage and is widely available.
The pros:
- Customizable. State Farm offers many ways to customize your policy. You work with an agent to determine what coverage and features you need.
- Affordable. State Farm is one of the cheapest options on our list, offering many additional savings opportunities to its members.
- Online claims. State Farm provides customers access to claims services online and in the app.
The cons:
- Higher than average customer complaints. According to the National Association of Insurance Commissioners (NAIC), State Farm has received a higher-than-average number of customer complaints.
State Farm provides a wide variety of coverage options to protect vehicles ranging from small to antique cars and commercial vehicles.
Progressive
Progressive is one of the more expensive insurers listed here. However, the company offers many additional services and discounts that might still make it an affordable option.
The pros:
- Lots of discounts. Progressive offers a generous selection of discount opportunities, including many options for bundling other coverages to save money.
- 24/7 customer service. Progressive agents are available day or night to help you with your insurance needs.
- Name Your Price tool. Progressive’s Name Your Price tool lets you set your budget and find plans that meet your needs.
The cons:
- Can be expensive. Progressive’s base prices tend to be more costly than many competitors.
Because Progressive allows you to compare multiple companies to find the best rate, it’s a great option to consider when shopping for insurance.
Kentucky Farm Bureau
Kentucky Farm Bureau (KFB) offers a full range of auto coverage options at some of the lowest rates on this list.
The pros:
- Affordable. KFB boasts some of the best prices on auto insurance out of the companies included here.
- Many savings opportunities. The company provides a wide range of discounts, including several options for younger drivers.
The cons:
- Limited eligibility. You must be a Farm Bureau member to qualify for auto insurance.
- Poorly rated mobile app. Customers poorly rate the Farm Bureau mobile app in the app store.
KFB is a practical and affordable choice for customers less concerned with digital services.
Auto-Owners
Auto-Owners car insurance is another excellent choice for Kentucky drivers.
The pros:
- Outstanding claims service. Auto-Owners provides a 24/7 claims service that has been nationally recognized for excellence.
- Lots of discounts. The company offers an expansive list of discounts and savings opportunities to ensure you’re getting the best value.
- Specialty vehicles are covered. Classic cars and other specialty vehicles, such as cars with wheelchair lifts, can be insured.
The cons:
- You must work with an agent. You must call and speak to an agent to obtain a quote and purchase your coverage.
Auto-Owners is a great choice for someone who values customer service over a fancy website.
Travelers
Travelers is a well-rated company that offers a complete range of insurance products.
The pros:
- Well-rated. Travelers has an A++ rating with A.M. Best and excellent customer reviews.
- Lots of discounts. The company provides customers with numerous ways to save, including discounts for bundling insurance products, hybrid vehicles, and good students.
- Full range of coverage options. Travelers provides coverage ranging from liability to comprehensive and offers many add-ons and extra features.
The cons:
- Can be expensive. Travelers is one of the most costly insurers listed here.
Travelers might still be a practical choice for you, despite its higher price point, if you take advantage of the numerous discount options.
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Kentucky Auto Insurance: What to Know
We’ve discussed some of the best auto insurers in Kentucky. But what else should you know about car insurance in the Bluegrass State?
Below, we’ll review some of the essential information you need to know before purchasing a Kentucky car insurance plan.
Kentucky Car Insurance Average Rates
Let’s compare the average annual rates for Kentucky car insurance.
Company Average Annual Rates Average Rates for 17-Year-Old Females Average Rates for 17-Year-Old Males Average Rates for 25-Year-Old Females Average Rates for 25-Year-Old Males Average Rates for 60-Year-Old Females Average Rates for 60-Year-Old Males A.M Best Rating
USAA $1,102 $2,984 $3,132 $1,779 $1,851 $946 $959 A++
GEICO $1,070 $3,027 $4,151 $1,137 $1,145 $1,034 $1,034 A++
State Farm $1,405 $3,526 $4,404 $1,509 $1,696 $1,249 $1,249 A++
Progressive $1,867 $6,862 $7,591 $2,485 $2,291 $1,486 $1,520 A+
Kentucky Farm Bureau $1,244 $3,381 $4,390 $1,399 $1,642 $994 $994 A
Auto-Owners $1,700 $3,976 $5,234 $2,062 $2,066 $1,464 $1,464 A++
Travelers $1,544 $4,608 $5,679 $1,671 $1,757 $1,274 $1354 A++
It might be tempting to look only at the price when making your decision. But, as previously mentioned, there’s a lot more to insurance companies than the base price.
Remember to consider the discount opportunities and riders when making your decision. You might be able to get a better deal choosing a more expensive company if you select the right coverage options and policy add-ons.
What are the minimum Kentucky car insurance requirements?
If you’re wondering why you need car insurance, you came to the right place.
A minimum level of car insurance is required in Kentucky, and driving without insurance exposes you to considerable danger. Not only do you risk expensive damages to your vehicle, but you could be subject to a fine from $500 to $1,000 and up to 90 days in jail.
Drivers in Kentucky must have a minimum of $25,000 of liability coverage for bodily injuries sustained by one person and at least $50,000 of liability coverage for bodily injuries suffered by all parties involved in the accident.
Further, drivers must have $25,000 in liability coverage for property damage resulting from a single accident.
Alternatively, you may purchase a single policy with $60,000 of coverage.
Kentucky’s Driving Laws
The maximum highway speed limit in Kentucky is 70 miles per hour for cars and 65 mph for trucks.
In contrast to some states, you get your learner’s permit at 16 in Kentucky. You must hold a learner’s permit for six months before you are eligible for an intermediate license. Kentucky drivers are eligible for a full license at 17, and you must renew your license every four years.
The legal blood alcohol content (BAC) is 0.08%, and there are automatic and enhanced penalties for driving with a BAC over 0.18%.
Texting while driving is illegal in Kentucky and is considered a primary offense. Primary offenses are acts for which you can be pulled over without any other reason.
Seatbelts are required in Kentucky. Failing to wear a seatbelt is a primary offense, and the fine is $25.
Kentucky Car Insurance in Review
While the average annual car insurance rates are above the national average in Kentucky, you can still find good deals.
Some of the best auto insurance companies in Kentucky offer more significant savings in the form of discounts than they do in their base prices. For this reason, it’s always wise to examine the available discounts a company offers.
Kentucky requires a minimum level of liability insurance. Failure to obtain adequate levels of coverage can result in fines up to $1,000 and 90 days in jail.
Kentucky is an excellent state for driving. But before you go out exploring, you and your family must be appropriately protected. Remember to compare multiple companies and inquire about all the available savings opportunities to ensure that you and your loved ones receive the protection you deserve.