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Cheapest Car Insurance in Kentucky (2025)
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Content was accurate at the time of publication.
Top Kentucky car insurance companies
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Find the Cheapest Car Insurance Quotes in Kentucky
Cheapest full-coverage car insurance in Kentucky: Farm Bureau
Kentucky Farm Bureau has the cheapest full-coverage car insurance in Kentucky with rates that average $1,689 a year. This works out to $141 a month.
Travelers is the next-cheapest company at $149 a month, and it also offers extras like gap insurance and accident forgiveness, which Farm Bureau doesn’t have.
Full-coverage auto insurance rates
| Company | Annual rate | LendingTree score | |
|---|---|---|---|
 | Farm Bureau | $1,689 |  |
 | Travelers | $1,783 |  |
 | State Farm | $1,940 | |
 | Auto-Owners | $1,979 |  |
 | Shelter | $2,227 |  |
 | Geico | $2,322 | |
 | Progressive | $2,499 | |
 | Allstate | $5,042 |  |
 | USAA* | $1,918 | |
Full-coverage car insurance costs an average $198 a month in Kentucky. The actual rate you pay depends on factors like:
- Driving record
- Age and ZIP code
- Credit history
- Available discounts
Each company weighs these factors differently and offers different discounts. This is why it’s wise to compare car insurance quotes from a few companies when you purchase or renew your policy.
Kentucky’s cheapest liability car insurance: Farm Bureau
Farm Bureau has Kentucky’s cheapest liability insurance at an average of $42 a month (around $500 a year).
USAA has the next-cheapest rate at $55 a month. However, USAA is only available to active and veteran military and their immediate family.
Both companies’ rates are well below the state average of $82 a month for liability car insurance.
Liability auto insurance rates
| Company | Annual rate |
|---|---|
| Farm Bureau | $500 |
| State Farm | $678 |
| Travelers | $802 |
| Auto-Owners | $902 |
| Geico | $963 |
| Shelter | $1,010 |
| Progressive | $1,025 |
| Allstate | $2,264 |
| USAA* | $659 |
Find the Cheapest Car Insurance Quotes in Kentucky
Best cheap Kentucky car insurance for young drivers: Farm Bureau
Farm Bureau has Kentucky’s cheapest car insurance for teens, unless you have access to USAA.
- Farm Bureau charges young drivers an average of $1,400 a year for minimum liability insurance, or $117 a month. This is 33% less than the next-cheapest rate of $173 a month from Travelers.
- Farm Bureau’s full-coverage rates for teens average $377 a month.
Teens’ lack of driving experience makes them more likely to be in an accident than older drivers. This is why insurance companies charge them such high rates.
Car insurance rates for teen drivers
| Company | Liability only | Full coverage |
|---|---|---|
| Farm Bureau | $1,400 | $4,530 |
| Travelers | $2,075 | $4,594 |
| State Farm | $2,261 | $5,462 |
| Shelter | $2,581 | $5,518 |
| Auto-Owners | $3,085 | $5,998 |
| Progressive | $3,737 | $10,561 |
| Geico | $4,386 | $9,544 |
| Allstate | $8,397 | $17,960 |
| USAA* | $1,320 | $3,823 |
Young drivers usually get lower rates on a parent’s policy than they do on their own. Most companies also give young drivers discounts for:
- Getting good grades
- Completing driver’s education or driver training
- Going off to college without a car
Cheap Kentucky car insurance after a ticket: Farm Bureau
Kentucky drivers with a speeding ticket can get the cheapest car insurance quotes from Farm Bureau. Farm Bureau’s full-coverage rates for drivers with a speeding ticket average $141 a month.
Auto-Owners is the next-cheapest company at $168 a month.
Having a bad driving record can have a big impact on your car insurance rate. A speeding ticket raises the average price of full coverage in Kentucky by 18% to $234 a month.
Car insurance rates after a speeding ticket
| Company | Annual rate |
|---|---|
| Farm Bureau | $1,689 |
| Auto-Owners | $2,011 |
| State Farm | $2,062 |
| Travelers | $2,324 |
| Shelter | $2,540 |
| Geico | $3,000 |
| Progressive | $3,281 |
| Allstate | $5,985 |
| USAA* | $2,424 |
Best insurance rates for Kentucky drivers with an accident: Farm Bureau
Farm Bureau has Kentucky’s cheapest car insurance after an accident at $141 a month. State Farm is the next-cheapest company at $184 a month.
An at-fault accident raises the average price of car insurance by 59% to $315 a month. This is a good reason to consider adding accident forgiveness to your policy.
Auto-Owners, Travelers and Progressive are among those offering accident forgiveness, but you have to have it on your policy before you get into an accident. It usually costs extra, but Progressive offers free and paid options.
Car insurance rates after an accident
| Company | Annual rate |
|---|---|
| Farm Bureau | $1,689 |
| State Farm | $2,209 |
| Travelers | $2,545 |
| Auto-Owners | $2,721 |
| Shelter | $2,837 |
| Progressive | $3,721 |
| Geico | $5,489 |
| Allstate | $10,002 |
| USAA* | $2,856 |
Kentucky’s best teen insurance rates after a ticket or accident: Farm Bureau
Kentucky teens with a bad driving record often get the cheapest car insurance quotes from Farm Bureau.
- The company’s liability rates of $117 a month for teens with a speeding ticket are 63% less than the state average.
- Farm Bureau’s liability rates for teens with a prior accident average $141 a month, which is 65% less than the state average.
Annual teen rates after a ticket or accident
| Company | Ticket | Accident |
|---|---|---|
| Farm Bureau | $1,400 | $1,696 |
| State Farm | $2,466 | $2,712 |
| Travelers | $2,655 | $2,999 |
| Shelter | $3,045 | $3,484 |
| Auto-Owners | $3,085 | $4,412 |
| Progressive | $4,004 | $4,077 |
| Geico | $5,381 | $6,664 |
| Allstate | $10,599 | $15,898 |
| USAA* | $1,678 | $1,905 |
Find the Cheapest Car Insurance Quotes in Kentucky
Cheapest Kentucky car insurance after a DUI: Travelers
At $225 a month, Travelers has Kentucky’s cheapest DUI insurance rates. Shelter is the next-cheapest company for most drivers at $271 a month.
Drivers with a DUI (driving under the influence) conviction pay an average of $357 a month for car insurance. This is 80% higher than the average rate with a clean record. But a DUI only increases Travelers’ rates by 51% on average.
Auto insurance rates after a DUI
| Company | Annual rate |
|---|---|
| Travelers | $2,700 |
| Shelter | $3,256 |
| Progressive | $3,344 |
| Farm Bureau | $3,946 |
| State Farm DUI | $4,049 |
| Auto-Owners | $4,570 |
| Allstate | $6,732 |
| Geico | $6,891 |
| USAA* | $3,086 |
Cheap car insurance for Kentucky drivers with bad credit: Travelers
Travelers has Kentucky’s cheapest car insurance for bad credit at $298 a month. At $350 a month, Progressive has the next-cheapest rates for most drivers.
Insurance companies check your credit history for things like late payments and the amounts you owe. Rates are usually higher if your credit background isn’t great, but you can always try to improve your credit to get a better deal on car insurance.
Insurance rates for drivers with bad credit
| Company | Annual rate |
|---|---|
| Travelers | $3,576 |
| Progressive | $4,201 |
| Geico | $4,295 |
| Farm Bureau | $5,176 |
| Auto-Owners | $5,737 |
| Shelter | $5,875 |
| State Farm | $7,815 |
| Allstate | $10,900 |
| USAA* | $3,977 |
Kentucky’s best car insurance companies
Auto-Owners, State Farm and Travelers are Kentucky’s best car insurance companies.
Auto-Owners offers a wide range of coverage options, including accident forgiveness and gap insurance. Its additional expense coverage helps pay for food and lodging if you’re stranded after an accident far from home.
Travelers has cheaper full-coverage rates than State Farm, but State Farm is cheaper for minimum liability.
Farm Bureau is a good company for cheap rates and basic coverages. However, it doesn’t offer add-on coverages like accident forgiveness or gap insurance. It doesn’t offer online quotes or claims, either.
Kentucky car insurance company ratings
| Company | J.D. Power | AM Best | LendingTree |
|---|---|---|---|
| Allstate | 635 | A+ | |
| Auto-Owners | 654 | A++ | |
| Farm Bureau | 673 | A | |
| Geico | 637 | A++ | |
| Progressive | 622 | A+ | |
| Shelter | 678 | A | |
| State Farm | 657 | A++ | |
| Travelers | 616 | A++ | |
| USAA* | 739 | A++ | |
*USAA only sells insurance to members of the military and their families.
**Source: J.D. Power 2024 U.S. Auto Insurance Study. Higher is better; 644 is average.
Kentucky car insurance rates by city
Fort Thomas has the cheapest car insurance rate among Kentucky’s cities and towns at $151 a month. Owensboro is a close second at $152 a month.
Goose Rock has Kentucky’s most expensive car insurance, with rates that average $288 a month. Saul has the next-highest average at $281 a month.
Louisville drivers pay an average of $220 a month for car insurance, which is 11% higher than the state average.
In Lexington, car insurance only costs $164 a month, which is 17% less than the state average.
Car insurance rates near you
| City | Annual rate |
|---|---|
| Aberdeen | $2,252 |
| Adairville | $1,883 |
| Adams | $2,708 |
| Adolphus | $1,979 |
| Ages Brookside | $2,928 |
| Albany | $2,157 |
| Alexandria | $1,873 |
| Allen | $3,066 |
| Allensville | $1,992 |
| Almo | $2,053 |
| Alpha | $2,120 |
| Alvaton | $1,880 |
| Anchorage | $2,141 |
| Annville | $3,030 |
| Argillite | $2,081 |
| Arjay | $2,791 |
| Arlington | $2,161 |
| Artemus | $2,770 |
| Ary | $3,170 |
| Ashcamp | $3,123 |
| Asher | $3,055 |
| Ashland | $2,013 |
| Auburn | $1,919 |
| Audubon Park | $2,496 |
| Augusta | $2,280 |
| Austin | $1,995 |
| Auxier | $3,075 |
| Avawam | $3,226 |
| Bagdad | $2,111 |
| Bandana | $2,194 |
| Banner | $3,099 |
| Barbourville | $2,696 |
| Bardstown | $2,215 |
| Bardwell | $2,123 |
| Barlow | $2,172 |
| Baskett | $2,442 |
| Battletown | $2,267 |
| Baxter | $2,913 |
| Bays | $2,972 |
| Bear Branch | $3,219 |
| Beattyville | $2,859 |
| Beaumont | $2,094 |
| Beauty | $3,070 |
| Beaver | $3,122 |
| Beaver Dam | $2,083 |
| Bedford | $2,313 |
| Bee Spring | $2,163 |
| Beech Creek | $2,126 |
| Beech Grove | $2,109 |
| Beechmont | $2,116 |
| Beechwood Village | $2,142 |
| Belcher | $3,137 |
| Belfry | $3,130 |
| Bellefonte | $2,047 |
| Bellemeade | $2,146 |
| Bellevue | $1,870 |
| Bellewood | $2,154 |
| Belton | $2,127 |
| Benham | $2,848 |
| Benton | $2,068 |
| Berea | $1,983 |
| Berry | $2,096 |
| Bethelridge | $2,164 |
| Bethlehem | $2,158 |
| Betsy Layne | $3,092 |
| Beverly | $2,806 |
| Bevinsville | $3,167 |
| Big Clifty | $2,187 |
| Big Creek | $3,204 |
| Big Laurel | $2,946 |
| Bighill | $2,363 |
| Bimble | $2,783 |
| Blackey | $3,004 |
| Blaine | $2,748 |
| Bledsoe | $2,958 |
| Bloomfield | $2,295 |
| Blue Ridge Manor | $2,132 |
| Blue River | $3,072 |
| Boaz | $2,119 |
| Bonnieville | $2,194 |
| Bonnyman | $3,209 |
| Booneville | $3,011 |
| Boons Camp | $3,161 |
| Boston | $2,230 |
| Bowling Green | $1,923 |
| Bradfordsville | $2,279 |
| Brandenburg | $2,223 |
| Breckinridge Center | $2,089 |
| Breeding | $2,097 |
| Bremen | $2,125 |
| Briarwood | $2,136 |
| Brodhead | $2,132 |
| Bronston | $2,236 |
| Brooks | $2,332 |
| Brooksville | $2,297 |
| Browder | $2,126 |
| Brownsboro Farm | $2,131 |
| Brownsville | $2,158 |
| Bryants Store | $2,444 |
| Buckhorn | $3,242 |
| Buckner | $2,123 |
| Buffalo | $2,139 |
| Bulan | $3,149 |
| Burdine | $2,887 |
| Burgin | $2,023 |
| Burkesville | $2,177 |
| Burlington | $1,868 |
| Burna | $2,296 |
| Burnside | $2,335 |
| Busy | $3,300 |
| Butler | $2,259 |
| Bypro | $3,092 |
| Cadiz | $2,078 |
| Calhoun | $2,106 |
| California | $1,908 |
| Calvert City | $2,083 |
| Calvin | $2,772 |
| Camargo | $1,994 |
| Cambridge | $2,170 |
| Campbellsburg | $2,157 |
| Campbellsville | $2,136 |
| Campton | $2,945 |
| Canada | $3,158 |
| Caneyville | $2,191 |
| Canmer | $2,186 |
| Cannel City | $2,676 |
| Cannon | $2,777 |
| Carlisle | $2,063 |
| Carrie | $3,039 |
| Carrollton | $2,286 |
| Catlettsburg | $2,096 |
| Cave City | $1,950 |
| Cawood | $2,930 |
| Cecilia | $2,030 |
| Center | $2,110 |
| Centertown | $2,082 |
| Central City | $2,103 |
| Cerulean | $2,063 |
| Chaplin | $2,226 |
| Chappell | $3,103 |
| Chavies | $3,261 |
| Clarkson | $2,213 |
| Claryville | $1,862 |
| Clay | $2,268 |
| Clay City | $2,167 |
| Clayhole | $2,987 |
| Clearfield | $2,058 |
| Cleaton | $2,125 |
| Clermont | $2,399 |
| Clifty | $2,419 |
| Clinton | $2,203 |
| Closplint | $2,943 |
| Cloverport | $2,184 |
| Coalgood | $2,915 |
| Cold Spring | $1,848 |
| Coldiron | $2,906 |
| Coldstream | $2,205 |
| Columbia | $2,070 |
| Columbus | $2,160 |
| Combs | $3,163 |
| Corbin | $2,381 |
| Corinth | $2,209 |
| Cornettsville | $3,198 |
| Corydon | $1,995 |
| Covington | $1,932 |
| Coxs Creek | $2,265 |
| Crab Orchard | $2,101 |
| Cranks | $2,924 |
| Crayne | $2,341 |
| Crestview | $1,849 |
| Crestview Hills | $1,861 |
| Crestwood | $2,114 |
| Crittenden | $2,192 |
| Crockett | $2,956 |
| Crofton | $2,038 |
| Cromona | $3,109 |
| Cromwell | $2,113 |
| Cub Run | $2,179 |
| Cumberland | $2,887 |
| Cunningham | $2,125 |
| Curdsville | $2,347 |
| Custer | $2,188 |
| Cynthiana | $2,040 |
| Dana | $3,094 |
| Danville | $2,024 |
| David | $3,167 |
| Dawson Springs | $2,172 |
| Dayhoit | $2,912 |
| Dayton | $1,890 |
| De Mossville | $2,226 |
| Deane | $2,942 |
| Debord | $3,176 |
| Delphia | $3,164 |
| Dema | $3,056 |
| Denniston | $2,473 |
| Denton | $2,161 |
| Dexter | $2,060 |
| Dixon | $2,242 |
| Doe Valley | $2,205 |
| Douglass Hills | $2,142 |
| Dover | $2,056 |
| Drake | $2,392 |
| Drakesboro | $2,131 |
| Drift | $3,044 |
| Druid Hills | $2,164 |
| Dry Ridge | $2,226 |
| Dubre | $2,398 |
| Dunbar | $2,129 |
| Dundee | $2,107 |
| Dunmor | $2,126 |
| Dunnville | $2,166 |
| Dwale | $3,077 |
| Dwarf | $3,130 |
| Dycusburg | $2,604 |
| Earlington | $2,099 |
| East Bernstadt | $2,450 |
| East Point | $3,097 |
| Eastern | $3,074 |
| Eastview | $2,070 |
| Eastwood | $2,706 |
| Eddyville | $2,115 |
| Edgewood | $1,873 |
| Edmonton | $2,097 |
| Eighty Eight | $2,000 |
| Ekron | $2,216 |
| Elizabethtown | $1,994 |
| Elizaville | $2,421 |
| Elk Creek | $2,298 |
| Elk Horn | $2,134 |
| Elkfork | $2,594 |
| Elkhorn City | $3,129 |
| Elkton | $1,987 |
| Elliottville | $2,424 |
| Elsmere | $1,874 |
| Emerson | $2,023 |
| Eminence | $2,143 |
| Emlyn | $2,448 |
| Emmalena | $3,047 |
| Eolia | $2,990 |
| Erlanger | $1,861 |
| Ermine | $2,954 |
| Essie | $3,081 |
| Etoile | $2,007 |
| Eubank | $2,171 |
| Evarts | $2,930 |
| Ewing | $2,029 |
| Ezel | $2,678 |
| Fairdale | $2,571 |
| Fairfield | $2,324 |
| Fairview | $2,407 |
| Falcon | $3,135 |
| Fall Rock | $3,263 |
| Falls Of Rough | $2,201 |
| Falmouth | $2,267 |
| Fancy Farm | $2,118 |
| Farley | $2,068 |
| Farmers | $2,429 |
| Farmington | $2,081 |
| Fedscreek | $3,219 |
| Ferguson | $2,314 |
| Fincastle | $2,145 |
| Finchville | $2,187 |
| Fisherville | $2,262 |
| Fisty | $3,127 |
| Flat Lick | $2,803 |
| Flatgap | $3,134 |
| Flatwoods | $2,037 |
| Flemingsburg | $2,010 |
| Florence | $1,869 |
| Fords Branch | $3,156 |
| Fordsville | $2,137 |
| Forest Hills | $3,129 |
| Fort Campbell North | $1,975 |
| Fort Knox | $2,103 |
| Fort Mitchell | $1,872 |
| Fort Thomas | $1,817 |
| Fort Wright | $1,898 |
| Foster | $2,290 |
| Fountain Run | $2,041 |
| Fourmile | $2,751 |
| Fox Chase | $2,192 |
| Frakes | $2,426 |
| Francisville | $1,888 |
| Frankfort | $2,008 |
| Franklin | $1,889 |
| Fredonia | $2,198 |
| Freeburn | $3,247 |
| Frenchburg | $2,532 |
| Fulton | $2,201 |
| Gamaliel | $2,060 |
| Garfield | $2,198 |
| Garner | $3,023 |
| Garrard | $3,163 |
| Garrett | $3,082 |
| Garrison | $2,068 |
| Gays Creek | $3,275 |
| Georgetown | $1,974 |
| Germantown | $2,258 |
| Ghent | $2,253 |
| Gilbertsville | $2,097 |
| Girdler | $2,797 |
| Glasgow | $1,957 |
| Glencoe | $2,275 |
| Glendale | $2,111 |
| Glens Fork | $2,092 |
| Glenview | $2,387 |
| Goose Creek | $2,145 |
| Goose Rock | $3,456 |
| Gordon | $3,003 |
| Goshen | $2,205 |
| Gracey | $2,041 |
| Gradyville | $2,084 |
| Graham | $2,149 |
| Grand Rivers | $2,316 |
| Gravel Switch | $2,264 |
| Gray | $2,756 |
| Gray Hawk | $3,287 |
| Graymoor-Devondale | $2,141 |
| Grays Knob | $3,000 |
| Grayson | $2,189 |
| Green Road | $2,823 |
| Greensburg | $2,183 |
| Greenup | $2,082 |
| Greenville | $2,127 |
| Grethel | $3,143 |
| Gulston | $2,897 |
| Gunlock | $3,113 |
| Guston | $2,181 |
| Guthrie | $1,946 |
| Hagerhill | $3,087 |
| Hallie | $2,996 |
| Hampton | $2,354 |
| Hanson | $2,096 |
| Happy | $3,224 |
| Hardin | $2,060 |
| Hardinsburg | $2,176 |
| Hardy | $3,205 |
| Hardyville | $2,160 |
| Harlan | $2,910 |
| Harned | $2,185 |
| Harold | $3,086 |
| Harrods Creek | $2,651 |
| Harrodsburg | $2,027 |
| Hartford | $2,101 |
| Hawesville | $2,092 |
| Hazard | $3,106 |
| Hazel | $2,043 |
| Hazel Green | $3,001 |
| Hebron | $1,888 |
| Hebron Estates | $2,190 |
| Heidrick | $2,788 |
| Hellier | $3,052 |
| Helton | $3,091 |
| Henderson | $1,981 |
| Hendron | $2,056 |
| Heritage Creek | $2,506 |
| Herndon | $1,993 |
| Hestand | $2,056 |
| Hi Hat | $3,194 |
| Hickman | $2,196 |
| Hickory | $2,093 |
| Highland Heights | $1,848 |
| Hillsboro | $2,025 |
| Hillview | $2,396 |
| Hima | $3,271 |
| Hindman | $3,033 |
| Hinkle | $2,811 |
| Hitchins | $2,141 |
| Hodgenville | $2,144 |
| Holland | $1,997 |
| Holmes Mill | $2,909 |
| Hope | $2,025 |
| Hopkinsville | $1,998 |
| Horse Branch | $2,113 |
| Horse Cave | $2,099 |
| Hoskinston | $3,283 |
| Houston Acres | $2,168 |
| Huddy | $3,158 |
| Hudson | $2,193 |
| Hueysville | $3,099 |
| Hulen | $2,797 |
| Hurstbourne | $2,143 |
| Hurstbourne Acres | $2,158 |
| Hustonville | $2,182 |
| Hyden | $3,190 |
| Independence | $1,890 |
| Inez | $3,149 |
| Ingram | $2,858 |
| Irvine | $2,330 |
| Irvington | $2,219 |
| Island | $2,084 |
| Isom | $2,968 |
| Isonville | $2,731 |
| Ivel | $3,082 |
| Jackhorn | $2,955 |
| Jackson | $3,023 |
| Jamestown | $2,111 |
| Jeff | $3,147 |
| Jeffersontown | $2,148 |
| Jeffersonville | $2,048 |
| Jenkins | $3,038 |
| Jeremiah | $3,011 |
| Jetson | $2,121 |
| Jonancy | $3,023 |
| Jonesville | $2,210 |
| Junction City | $2,007 |
| Keaton | $2,992 |
| Keavy | $2,361 |
| Kenton | $2,409 |
| Kenvir | $2,926 |
| Kettle Island | $2,779 |
| Kevil | $2,119 |
| Kimper | $3,148 |
| Kings Mountain | $2,114 |
| Kirksey | $2,075 |
| Kite | $3,052 |
| Knifley | $2,077 |
| Knob Lick | $2,058 |
| Krypton | $3,252 |
| Kuttawa | $2,109 |
| La Center | $2,168 |
| La Fayette | $2,021 |
| La Grange | $2,103 |
| Lackey | $3,063 |
| Lakeside Park | $1,849 |
| Lancaster | $2,027 |
| Langdon Place | $2,135 |
| Langley | $3,103 |
| Latonia | $1,926 |
| Lawrenceburg | $1,995 |
| Lebanon | $2,252 |
| Lebanon Junction | $2,209 |
| Leburn | $3,052 |
| Ledbetter | $2,298 |
| Leitchfield | $2,184 |
| Lejunior | $3,084 |
| Letcher | $3,008 |
| Lewisburg | $2,041 |
| Lewisport | $1,964 |
| Lexington | $1,982 |
| Liberty | $2,204 |
| Lick Creek | $3,117 |
| Lily | $2,359 |
| Linefork | $2,961 |
| Littcarr | $3,045 |
| Livermore | $2,102 |
| Livingston | $2,529 |
| Lockport | $2,179 |
| London | $2,391 |
| Lone | $3,131 |
| Lookout | $3,351 |
| Loretto | $2,278 |
| Lost Creek | $3,028 |
| Louisa | $2,633 |
| Louisville | $2,642 |
| Lovelaceville | $2,176 |
| Lovely | $3,123 |
| Lowes | $2,387 |
| Lowmansville | $2,687 |
| Loyall | $2,890 |
| Lucas | $2,000 |
| Ludlow | $1,918 |
| Lynch | $2,900 |
| Lyndon | $2,137 |
| Lynnview | $2,522 |
| Lynnville | $2,488 |
| Maceo | $1,873 |
| Mackville | $2,273 |
| Madisonville | $2,112 |
| Magnolia | $2,194 |
| Majestic | $3,155 |
| Mallie | $3,005 |
| Malone | $2,960 |
| Mammoth Cave National Park | $2,149 |
| Manchester | $3,249 |
| Manitou | $2,087 |
| Maple Mount | $2,051 |
| Marion | $2,317 |
| Marrowbone | $2,121 |
| Marshes Siding | $2,310 |
| Martha | $2,669 |
| Martin | $3,085 |
| Mary Alice | $2,987 |
| Mason | $2,590 |
| Masonic Home | $2,376 |
| Masonville | $1,876 |
| Massac | $2,079 |
| Mayfield | $2,083 |
| Mayking | $2,969 |
| Mayslick | $2,019 |
| Maysville | $1,996 |
| Mazie | $2,636 |
| Mc Andrews | $3,250 |
| Mc Carr | $3,240 |
| Mc Daniels | $2,166 |
| Mc Dowell | $3,147 |
| Mc Henry | $2,085 |
| Mc Kee | $2,845 |
| Mc Kinney | $2,106 |
| Mc Quady | $2,277 |
| McRoberts | $2,962 |
| Meadow Vale | $2,142 |
| Meally | $3,139 |
| Means | $2,126 |
| Melber | $2,141 |
| Melbourne | $1,877 |
| Melvin | $3,084 |
| Middleburg | $2,188 |
| Middlesborough | $2,721 |
| Middletown | $2,158 |
| Midway | $1,936 |
| Milburn | $2,531 |
| Milford | $2,598 |
| Millersburg | $1,980 |
| Millstone | $2,969 |
| Millwood | $2,158 |
| Milton | $2,291 |
| Minerva | $2,422 |
| Minnie | $3,052 |
| Miracle | $2,738 |
| Mistletoe | $3,047 |
| Mitchellsburg | $2,438 |
| Mize | $2,582 |
| Monticello | $2,236 |
| Moorefield | $2,046 |
| Moorland | $2,129 |
| Morehead | $2,040 |
| Morganfield | $2,087 |
| Morgantown | $2,132 |
| Morning View | $1,937 |
| Mortons Gap | $2,095 |
| Mount Eden | $2,257 |
| Mount Hermon | $2,052 |
| Mount Olivet | $2,113 |
| Mount Sherman | $2,162 |
| Mount Sterling | $1,991 |
| Mount Vernon | $2,356 |
| Mount Washington | $2,283 |
| Mousie | $3,063 |
| Mouthcard | $3,137 |
| Mozelle | $3,118 |
| Muldraugh | $2,077 |
| Munfordville | $2,197 |
| Murray | $2,027 |
| Muses Mills | $2,154 |
| Myra | $3,033 |
| Nancy | $2,213 |
| Nazareth | $2,393 |
| Nebo | $2,147 |
| Neon | $2,909 |
| Nerinx | $2,439 |
| New Castle | $2,137 |
| New Concord | $2,068 |
| New Haven | $2,203 |
| New Hope | $2,238 |
| New Liberty | $2,245 |
| Newport | $1,951 |
| Nicholasville | $1,949 |
| Norbourne Estates | $2,146 |
| North Corbin | $2,379 |
| North Middletown | $1,963 |
| Northfield | $2,153 |
| Nortonville | $2,098 |
| Oak Grove | $1,979 |
| Oakbrook | $1,846 |
| Oakland | $1,953 |
| Oil Springs | $3,095 |
| Olaton | $2,118 |
| Old Brownsboro Place | $2,143 |
| Olive Hill | $2,186 |
| Olmstead | $1,918 |
| Olympia | $2,030 |
| Oneida | $3,252 |
| Orchard Grass Hills | $2,140 |
| Orlando | $2,477 |
| Owensboro | $1,825 |
| Owenton | $2,309 |
| Owingsville | $2,024 |
| Paducah | $2,075 |
| Paint Lick | $1,983 |
| Paintsville | $3,062 |
| Paris | $1,976 |
| Park City | $2,017 |
| Park Hills | $1,903 |
| Parkers Lake | $2,344 |
| Parksville | $2,021 |
| Parkway Village | $2,635 |
| Partridge | $2,968 |
| Pathfork | $2,948 |
| Payneville | $2,219 |
| Pembroke | $1,988 |
| Pendleton | $2,190 |
| Perry Park | $2,246 |
| Perryville | $2,013 |
| Petersburg | $1,884 |
| Pewee Valley | $2,164 |
| Phelps | $3,252 |
| Philpot | $1,873 |
| Phyllis | $3,247 |
| Pikeville | $3,136 |
| Pilgrim | $3,163 |
| Pine Knot | $2,374 |
| Pine Ridge | $2,538 |
| Pine Top | $3,014 |
| Pineville | $2,788 |
| Pinsonfork | $3,246 |
| Pioneer Village | $2,197 |
| Pippa Passes | $2,937 |
| Pittsburg | $2,741 |
| Plano | $1,875 |
| Pleasureville | $2,158 |
| Plummers Landing | $2,416 |
| Poole | $2,168 |
| Port Royal | $2,201 |
| Powderly | $2,108 |
| Premium | $2,976 |
| Preston | $2,419 |
| Prestonsburg | $3,081 |
| Princeton | $2,191 |
| Printer | $3,107 |
| Prospect | $2,248 |
| Providence | $2,237 |
| Putney | $2,919 |
| Quincy | $2,069 |
| Raccoon | $3,131 |
| Raceland | $2,041 |
| Radcliff | $2,022 |
| Ransom | $3,266 |
| Raven | $3,035 |
| Ravenna | $2,472 |
| Raywick | $2,265 |
| Redfox | $3,030 |
| Reed | $1,955 |
| Regina | $3,117 |
| Reidland | $2,079 |
| Renfro Valley | $2,834 |
| Revelo | $2,328 |
| Reynolds Station | $2,119 |
| Rhodelia | $2,236 |
| Ricetown | $3,006 |
| Richlawn | $2,148 |
| Richmond | $1,916 |
| Rineyville | $2,021 |
| River | $3,098 |
| Riverwood | $2,164 |
| Roark | $3,112 |
| Robards | $1,977 |
| Robinson Creek | $3,116 |
| Rochester | $2,127 |
| Rockfield | $1,892 |
| Rockholds | $2,395 |
| Rockhouse | $3,153 |
| Rockport | $2,090 |
| Rocky Hill | $2,120 |
| Rogers | $2,911 |
| Rolling Fields | $2,171 |
| Rolling Hills | $2,135 |
| Rosine | $2,114 |
| Roundhill | $2,139 |
| Rousseau | $2,989 |
| Rowdy | $3,111 |
| Roxana | $2,968 |
| Royalton | $3,118 |
| Rumsey | $2,117 |
| Rush | $2,046 |
| Russell | $2,036 |
| Russell Springs | $2,108 |
| Russellville | $1,931 |
| Ryland Heights | $1,950 |
| Sacramento | $2,135 |
| Sadieville | $2,082 |
| Salem | $2,362 |
| Salt Lick | $2,072 |
| Salvisa | $1,980 |
| Salyersville | $3,160 |
| Sanders | $2,286 |
| Sandgap | $2,948 |
| Sandy Hook | $2,682 |
| Sassafras | $3,044 |
| Saul | $3,374 |
| Scalf | $2,800 |
| Science Hill | $2,224 |
| Scottsville | $2,005 |
| Scuddy | $3,186 |
| Sebree | $2,204 |
| Seco | $2,920 |
| Sedalia | $2,110 |
| Seneca Gardens | $2,258 |
| Sextons Creek | $3,132 |
| Sharon Grove | $2,027 |
| Sharpsburg | $2,034 |
| Shelbiana | $3,144 |
| Shelby Gap | $3,088 |
| Shelbyville | $2,147 |
| Shepherdsville | $2,205 |
| Shively | $2,770 |
| Sidney | $3,140 |
| Siler | $2,449 |
| Silver Grove | $1,876 |
| Simpsonville | $2,184 |
| Sitka | $3,161 |
| Sizerock | $3,121 |
| Slade | $2,222 |
| Slaughters | $2,226 |
| Slemp | $3,206 |
| Smilax | $3,098 |
| Smith Mills | $2,036 |
| Smithfield | $2,128 |
| Smithland | $2,322 |
| Smiths Grove | $2,033 |
| Soldier | $2,489 |
| Somerset | $2,279 |
| Sonora | $2,089 |
| South Carrollton | $2,111 |
| South Portsmouth | $2,080 |
| South Shore | $2,081 |
| South Wallins | $2,907 |
| South Williamson | $3,130 |
| Southgate | $1,886 |
| Sparta | $2,330 |
| Spottsville | $1,967 |
| Springfield | $2,257 |
| St. Catharine | $2,403 |
| St. Charles | $2,111 |
| St. Francis | $2,300 |
| St. Helens | $3,131 |
| St. Mary | $2,684 |
| St. Matthews | $2,163 |
| Staffordsville | $3,078 |
| Stambaugh | $3,126 |
| Stamping Ground | $2,033 |
| Stanford | $2,102 |
| Stanton | $2,190 |
| Stanville | $2,996 |
| Stearns | $2,375 |
| Steele | $3,246 |
| Stephensport | $2,220 |
| Stinnett | $3,127 |
| Stone | $3,226 |
| Stoney Fork | $2,788 |
| Stopover | $3,267 |
| Strathmoor Village | $2,260 |
| Strunk | $2,361 |
| Sturgis | $2,117 |
| Sullivan | $2,500 |
| Sulphur | $2,194 |
| Summer Shade | $2,068 |
| Summersville | $2,191 |
| Sweeden | $2,174 |
| Symsonia | $2,101 |
| Tateville | $2,451 |
| Taylor Mill | $1,938 |
| Taylorsville | $2,264 |
| Teaberry | $3,109 |
| Ten Broeck | $2,134 |
| Thelma | $3,145 |
| Thornton | $2,929 |
| Thousandsticks | $3,198 |
| Tiline | $2,287 |
| Tollesboro | $2,017 |
| Tomahawk | $3,199 |
| Tompkinsville | $2,068 |
| Topmost | $3,081 |
| Totz | $2,903 |
| Tram | $3,028 |
| Trenton | $1,958 |
| Trosper | $2,802 |
| Turners Station | $2,148 |
| Tutor Key | $3,134 |
| Tyner | $2,952 |
| Ulysses | $2,690 |
| Union | $1,904 |
| Union Star | $2,227 |
| Uniontown | $2,050 |
| Upton | $2,154 |
| Utica | $1,959 |
| Van Lear | $3,134 |
| Vanceburg | $2,054 |
| Vancleve | $3,031 |
| Varney | $3,150 |
| Verona | $2,084 |
| Versailles | $1,908 |
| Vest | $3,035 |
| Vicco | $3,196 |
| Villa Hills | $1,852 |
| Vincent | $3,017 |
| Vine Grove | $2,063 |
| Viper | $3,193 |
| Virgie | $3,086 |
| Waco | $1,938 |
| Waddy | $2,140 |
| Walker | $2,808 |
| Wallingford | $2,020 |
| Wallins Creek | $2,907 |
| Walton | $1,901 |
| Waneta | $3,175 |
| Warbranch | $3,133 |
| Warfield | $3,140 |
| Warsaw | $2,277 |
| Washington | $2,414 |
| Water Valley | $2,154 |
| Watterson Park | $2,614 |
| Waverly | $2,043 |
| Wayland | $3,099 |
| Waynesburg | $2,154 |
| Webbville | $2,567 |
| Webster | $2,224 |
| Weeksbury | $3,061 |
| Wellington | $2,452 |
| Wendover | $3,175 |
| West Buechel | $2,634 |
| West Liberty | $2,642 |
| West Louisville | $2,359 |
| West Paducah | $2,084 |
| West Point | $2,111 |
| West Somerset | $2,651 |
| West Van Lear | $3,081 |
| Westport | $2,206 |
| Westview | $2,151 |
| Westwood | $2,004 |
| Wheatcroft | $2,218 |
| Wheelwright | $3,128 |
| Whick | $2,934 |
| White Mills | $2,074 |
| White Plains | $2,117 |
| Whitesburg | $2,977 |
| Whitesville | $1,948 |
| Whitley City | $2,377 |
| Wickliffe | $2,175 |
| Wilder | $1,870 |
| Wildie | $2,837 |
| Williamsburg | $2,445 |
| Williamsport | $3,124 |
| Williamstown | $2,247 |
| Willisburg | $2,246 |
| Wilmore | $1,947 |
| Winchester | $1,984 |
| Windsor | $2,189 |
| Windy Hills | $2,147 |
| Wingo | $2,136 |
| Wittensville | $3,136 |
| Woodbine | $2,767 |
| Woodburn | $1,985 |
| Woodbury | $2,526 |
| Woodland Hills | $2,158 |
| Wooton | $3,113 |
| Worthington | $2,048 |
| Worthville | $2,319 |
| Wurtland | $2,063 |
| Yeaddiss | $3,118 |
| Yerkes | $3,231 |
| Yosemite | $2,178 |
| Zoe | $2,779 |
Minimum car insurance requirements in Kentucky
You need to meet Kentucky’s minimum car insurance requirements to drive legally in the state. The requirements include:
- Bodily injury liability: $25,000 per person, $50,000 per accident
- Property damage liability: $25,000
- Personal injury protection (PIP): $10,000.
All policies come with PIP, but you can reject it by signing a waiver.
PIP is also known as no-fault insurance. It covers injuries to you and your passengers, whether your or another driver causes the accident. It also covers lost wages and services you may need while recovering from your injuries.
Kentucky’s no-fault law limits your ability to get a driver who injures you to cover your medical bills. It also limits your ability to sue an at-fault driver for causing pain and suffering.
If you keep PIP, you can only go after an at-fault driver if you have more than $1,000 in medical bills or your injuries are particularly severe. If you reject PIP, these restrictions won’t apply.
The no-fault law does not apply to property damage. If you cause an accident, you have to cover other people’s car repairs.
This is where your property damage liability coverage would kick in. In a situation like this, your collision coverage, if you have it, covers your own car repairs.
Frequently asked questions
Car insurance costs an average of $198 a month for full coverage in Kentucky. Minimum-liability policies average $82 a month. You’ll pay more if you have a prior ticket or accident, or if you have bad credit.
Farm Bureau has the cheapest car insurance rates for most Kentucky drivers. However, Travelers has the cheapest average rates for drivers with a DUI or bad credit.
Possibly. The penalties for driving without insurance in Kentucky include a fine and up to 90 days in jail.