Cheapest Car Insurance in Kentucky
Numbers updated on
Insurers ranked by price where Kentucky publishes them, and how to cut your own bill.
- $56average a month for the legal minimum
- 25/50/25minimum liability limits
- 36th of 51most expensive state (1st = highest)
Cheapest in Kentucky for an adult with a clean record
Profile priced by the state: Example 3: 23-year-old single male / 2014 Toyota Camry LE, 4 door, 2.5L / 7 years driving experience / 20 miles daily commute (one way to work) / 15,000 annual mileage / no accidents or violations.
| Rank | Insurer | Per year | Per month |
|---|---|---|---|
| 1 | Dairyland Insurance Company | $788 | $66 |
| 2 | Erie Insurance | $996 | $83 |
| 3 | State Farm | $1,223 | $102 |
| 4 | USAA | $1,253 | $104 |
| 5 | 1st Choice Advantage Insurance Company, Inc. | $1,317 | $110 |
| 6 | USAA | $1,357 | $113 |
| 7 | Allstate | $1,434 | $120 |
| 8 | GEICO | $1,495 | $125 |
| 9 | GEICO | $1,495 | $125 |
| 10 | Unitrin Safeguard Insurance Company | $1,552 | $129 |
Ways to pay less
- Keep the state minimum only on an old car you could replace with cash: dropping collision and comprehensive saves $664 a year on the Kentucky average.
- Raise your deductible; the yearly saving often beats the extra you would pay in one claim.
- Ask for each discount by name: multi-car, bundling home and auto, good student, paying in full, safe-driving apps.
- Compare again at each renewal; a price rise does not mean other companies rose too.
Originally written