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Best Cheap Car Insurance in Kentucky for 2019

Jan. 2, 2019
Auto Insurance, Insurance
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It’s important to shop around when looking for cheap car insurance in Kentucky, where rates are relatively high. Prices for the same set of coverages can change dramatically from one company to the next, so you’ll benefit from comparing as many estimates as possible.

To make things easier, cheatgame.info researched rates from the seven largest insurers in the state and found the three cheapest options for several types of drivers.

» FIND YOUR MATCH: Who’s the cheapest carrier for you?

Cheapest for good drivers

Kentucky Farm Bureau was the cheapest insurer we found for good drivers with good credit, at $83 per month, on average. Rates rise sharply from there, with State Farm and Geico rounding out the cheapest three.

InsurerAverage priceGet your rate
*Kentucky Farm Bureau is not rated because there is not enough data to evaluate it against larger companies.

cheatgame.info rating: *Not rated

$1,000/year

$83/month



4.0 cheatgame.info rating

$1,395/year

$116/month

4.0 cheatgame.info rating

$1,797/year

$150/month

For this calculation, cheatgame.info averaged rates for 40-year-old men and women with a clean driving record and good credit. With the exception of age, a large portion of drivers are closest to this profile, which carries standard "full coverage" insurance, including state-required coverage.

Cheapest for drivers with poor credit

State Farm was the cheapest insurer we found for Kentucky drivers with blemished credit, at an average price of $246 per month. Shelter and Kentucky Farm Bureau come in second and third, respectively, in a group where the highest rate we found topped $550 — showing the importance of comparing prices.

InsurerAverage priceGet your rate
*Shelter and Kentucky Farm Bureau are not rated because there is not enough data to evaluate them against larger companies.
4.0 cheatgame.info rating

$2,952/year

$246/month


cheatgame.info rating: *Not rated

$3,313/year

$276/month




cheatgame.info rating: *Not rated

$3,560/year

$297/month



Poor credit can have a bigger effect on car insurance premiums than even a DUI conviction or a recent accident. To calculate these figures, cheatgame.info averaged rates for 40-year-olds with a clean driving record, poor credit as reported to their insurer, and standard "full coverage" insurance.

Cheapest for drivers with one at-fault crash

Kentucky Farm Bureau had the cheapest rates we found for drivers with a recent accident on their records, at $114 per month, on average, followed by State Farm. Rates more than double from there, with Allstate coming in third-cheapest, on average.

InsurerAverage priceGet your rate
*Kentucky Farm Bureau is not rated because there is not enough data to evaluate it against larger companies.

cheatgame.info rating: *Not rated

$1,367/year

$114/month



4.0 cheatgame.info rating

$1,718/year

$143/month

4.0 cheatgame.info rating

$3,980/year

$332/month

To get these figures, we averaged rates for 40-year-olds with one recent at-fault crash and the typical "full coverage" insurance. Your rates will remain high for three to five years after you cause an accident or have a moving violation. If you fall into this category, be sure to shop for new insurance rates just after the three-year and five-year anniversaries of your infraction.

Cheapest for low-mileage drivers

For drivers who clock few annual miles, Kentucky Farm Bureau was the cheapest auto insurer at $79 per month, on average. State Farm and Geico also make the list.

InsurerAverage priceGet your rate
*Kentucky Farm Bureau is not rated because there is not enough data to evaluate it against larger companies.

cheatgame.info rating: *Not rated

$952/year

$79/month



4.0 cheatgame.info rating

$1,241/year

$103/month

4.0 cheatgame.info rating

$1,603/year

$134/month

Whether you're retired, work at home or often use public transportation, you may be able to get cheaper car insurance simply because you drive less. The rates above are for 40-year-olds with typical "full coverage" insurance and a clean driving record who drive 5,000 miles per year instead of the standard 12,000.

Cheapest for minimum coverage

The cheapest auto insurer we found for minimum coverage is Kentucky Farm Bureau, with an average quote of $33 per month. State Farm and Geico come in second and third, respectively.

InsurerAverage priceGet your rate
*Kentucky Farm Bureau is not rated because there is not enough data to evaluate it against larger companies.

cheatgame.info rating: *Not rated

$392/year

$33/month



4.0 cheatgame.info rating

$533/year

$44/month

4.0 cheatgame.info rating

$794/year

$66/month

We calculated these numbers by averaging rates for 40-year-old good drivers who have only the minimum mandatory insurance in their state. Such light coverage isn't typically recommended, since it might not cover all the bills resulting from a car accident, but it's better than nothing — especially if you can't afford much more.

Minimum required auto insurance in Kentucky

Kentucky car insurance policies must include liability coverage and personal injury protection in at least the following amounts:

  • $25,000 bodily injury liability per person.
  • $50,000 bodily injury liability per incident.
  • $25,000 property damage liability per incident.
  • $10,000 PIP.

Alternatively, policies with a combined single limit of $60,000 also satisfy the minimum requirement, according to the state’s website. Keep in mind that these are only the bare essentials. A serious at-fault crash could easily leave damages that surpass these limits, which is why most drivers can benefit from purchasing more than the minimum liability coverage.

Check out cheatgame.info’s rundown of car insurance requirements by state for more details on how your Kentucky auto insurance policy works and optional coverages you might want, such as collision and comprehensive insurance.

Alternative car insurance in Kentucky

Drivers who’ve been denied car insurance on the voluntary market, due to a checkered driving record or other factors, can seek coverage through the Kentucky Automobile Insurance Plan.

Try cheatgame.info’s car insurance quote comparison tool to view estimates from leading companies side-by-side and possibly save hundreds of dollars on your premium.

Here’s a summary of where you’ll find the cheapest insurance, by category:

Cheapest car insurance in Kentucky

CategoryCheapest option
Good driversKentucky Farm Bureau
Drivers with poor creditState Farm
Drivers with one at-fault crashKentucky Farm Bureau
Low-mileage driversKentucky Farm Bureau
Minimum coverageKentucky Farm Bureau

METHODOLOGY

For our base-profile driver with good credit and a clean driving history, cheatgame.info averaged rates from the largest insurers for 40-year-old men and women in 20 ZIP codes. The policy includes:

  • $100,000 bodily injury liability coverage per person.
  • $300,000 bodily injury liability coverage per crash.
  • $50,000 property damage liability coverage per crash.
  • $100,000 uninsured motorist bodily injury coverage per person.
  • $300,000 uninsured motorist bodily injury coverage per crash.
  • $10,000 personal injury protection.
  • Collision coverage with $1,000 deductible.
  • Comprehensive coverage with $1,000 deductible.

We used the same assumptions for all other driver profiles, with the following exceptions:

  • For drivers with poor credit, we adjusted the credit tier from “good” to “poor.”
  • For drivers with one at-fault crash, we added a single at-fault crash.
  • For low-mileage drivers, we adjusted the miles driven from 12,000 per year to 5,000.
  • For drivers with minimum coverage, we adjusted the numbers above to reflect minimum required coverage by law in the state.

We used a 2015 Toyota Camry in all cases. These are rates generated through Quadrant Information Services. Your own rates will be different.


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