{"id":324563,"date":"2025-11-11T20:39:07","date_gmt":"2025-11-12T01:39:07","guid":{"rendered":"https:\/\/www.reviews.com\/?page_id=87030"},"modified":"2025-11-11T20:39:07","modified_gmt":"2025-11-12T01:39:07","slug":"best-in-kentucky","status":"publish","type":"page","link":"https:\/\/www.reviews.com\/insurance\/car\/best-in-kentucky\/","title":{"rendered":"The Best Kentucky Auto Insurance"},"content":{"rendered":"\n\n\n<p>Drivers in Kentucky must maintain active auto liability insurance with basic personal injury protection (PIP) under the state\u2019s choice no\u2011fault rules and keep proof available. Kentucky uses electronic insurance verification; if you don\u2019t respond to a proof\u2011of\u2011insurance notice, you can face fines and registration or plate suspension, per the <a href=\"https:\/\/insurance.ky.gov\">Kentucky Department of Insurance<\/a>.&nbsp;<\/p>\n\n\n\n<p>Before you sign up for coverage, compare multiple top insurers in Kentucky. A strong starting list often includes Kentucky Farm Bureau, State Farm, Erie, GEICO, Progressive, Nationwide, Allstate and USAA (if eligible) based on recent satisfaction and pricing analyses, including the latest <a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2025-us-auto-insurance-study\">J.D. Power U.S. Auto Insurance Study<\/a>. Many of these carriers also appear on our national list of <a href=\"https:\/\/www.reviews.com\/insurance\/car\/best\/\">best car insurance companies<\/a>. <\/p>\n\n\n\n<h2 class=\"wp-block-heading\">The 4 Best Auto Insurance Companies in Kentucky<\/h2>\n\n\n\n<ul class=\"list-items\"><li><a href=\"#progressive\">Progressive<\/a><\/li><li><a href=\"#allstate\">Allstate<\/a><\/li><li><a href=\"#state-farm\">State Farm<\/a><\/li><li><a href=\"#kentucky-farm-bureau\">Kentucky Farm Bureau<\/a><\/li><\/ul>\n\n\n\t\t\n<section id=\"block_5fbbe3270fd6f\" class=\"b-compare-table\">\n\t<h2 class=\"b-compare-table-title\">Compare the Top Car Insurance Companies in Kentucky<\/h2>\n\n\t\t\t<div class=\"b-compare-table__table-wrapper\">\n\t\t\t<table class=\"b-compare-table__table\">\n\t\t\t\t<thead class=\"b-compare-table__table-head\">\n\t\t\t\t\t<tr>\n\t\t\t\t\t\t<th><\/th>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<th>\n\t\t\t\t\t\t\t\t<span class=\"b-compare-table__table-head-brand \">\n\t\t\t\t\t\t\t\t\tAverage Price for State Minimum*\n\t\t\t\t\t\t\t\t\t<span class=\"tooltip-content\">\n\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<\/th>\n\n\t\t\t\t\t\t<\/th>\n\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<th>\n\t\t\t\t\t\t\t\t<span class=\"b-compare-table__table-head-brand \">\n\t\t\t\t\t\t\t\t\tAverage Price for Full Coverage*\n\t\t\t\t\t\t\t\t\t<span class=\"tooltip-content\">\n\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<\/th>\n\n\t\t\t\t\t\t<\/th>\n\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<th>\n\t\t\t\t\t\t\t\t<span class=\"b-compare-table__table-head-brand tooltip\">\n\t\t\t\t\t\t\t\t\tA.M Best Financial Strength\n\t\t\t\t\t\t\t\t\t<span class=\"tooltip-content\">\n\t\t\t\t\t\t\t\t\t\tAM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.\n\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<\/th>\n\n\t\t\t\t\t\t<\/th>\n\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<th>\n\t\t\t\t\t\t\t\t<span class=\"b-compare-table__table-head-brand tooltip\">\n\t\t\t\t\t\t\t\t\tJ.D Power Overall Customer Satisfaction\n\t\t\t\t\t\t\t\t\t<span class=\"tooltip-content\">\n\t\t\t\t\t\t\t\t\t\tJ.D. Power scores are based on surveys for customer satisfaction and product quality.\n\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<\/th>\n\n\t\t\t\t\t\t<\/th>\n\t\t\t\t\t\t\t\t\t\t<th><\/th>\n\t\t\t\t<\/thead>\n\t\t\t<\/tr>\n\t\t<\/thead>\n\t\t<tbody class=\"b-compare-table__table-body\">\n\t\t\t\t\t\t\t<tr id=\"block_5fbbe3270fd6f-1\">\n\t\t\t\t\t<td>\n\t\t\t\t\t\t<a class=\"b-compare-table__table-body-pin-btn\" href=\"#\" data-tag='cta' data-tag-element-type='BUTTON' data-tag-location='COMPARISONTABLE' data-tag-outcome='PIN' data-tag-position='1'>Pin<\/a>\n\n\t\t\t\t\t\t<span class=\"b-compare-table__table-body-brand\">Progressive<\/span>\n\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>$926<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>$2,150<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>A+<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>828<\/td>\n\t\t\t\t\t\n\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t<\/tr>\n\t\t\t\t\t\t\t<tr id=\"block_5fbbe3270fd6f-2\">\n\t\t\t\t\t<td>\n\t\t\t\t\t\t<a class=\"b-compare-table__table-body-pin-btn\" href=\"#\" data-tag='cta' data-tag-element-type='BUTTON' data-tag-location='COMPARISONTABLE' data-tag-outcome='PIN' data-tag-position='2'>Pin<\/a>\n\n\t\t\t\t\t\t<span class=\"b-compare-table__table-body-brand\">Allstate<\/span>\n\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>$1,036<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>$3,515<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>A+<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>838<\/td>\n\t\t\t\t\t\n\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t<\/tr>\n\t\t\t\t\t\t\t<tr id=\"block_5fbbe3270fd6f-3\">\n\t\t\t\t\t<td>\n\t\t\t\t\t\t<a class=\"b-compare-table__table-body-pin-btn\" href=\"#\" data-tag='cta' data-tag-element-type='BUTTON' data-tag-location='COMPARISONTABLE' data-tag-outcome='PIN' data-tag-position='3'>Pin<\/a>\n\n\t\t\t\t\t\t<span class=\"b-compare-table__table-body-brand\">State Farm<\/span>\n\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>$477<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>$1,540<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>A++<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>856<\/td>\n\t\t\t\t\t\n\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t<\/tr>\n\t\t\t\t\t\t\t<tr id=\"block_5fbbe3270fd6f-4\">\n\t\t\t\t\t<td>\n\t\t\t\t\t\t<a class=\"b-compare-table__table-body-pin-btn\" href=\"#\" data-tag='cta' data-tag-element-type='BUTTON' data-tag-location='COMPARISONTABLE' data-tag-outcome='PIN' data-tag-position='4'>Pin<\/a>\n\n\t\t\t\t\t\t<span class=\"b-compare-table__table-body-brand\">Kentucky Farm Bureau<\/span>\n\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>$397<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>$1,754<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>A<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>866<\/td>\n\t\t\t\t\t\n\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t<\/tr>\n\t\t\t\t\t<\/tbody>\n\t<\/table>\n<\/div><\/section>\n\n\n\n<p><em>Information accurate as of July 2021<\/em><\/p>\n\n\n\n<p><em>*Data provided by Bankrate.com <\/em><\/p>\n\n\n\n<p><em>**J.D. Power <a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2025-us-auto-insurance-study\" rel=\"nofollow\" class=\"achor-toggles\">2021 Auto Insurance Satisfaction Study<\/a> rating for the Southeast region. Based on a 1,000-point scale.<\/em><\/p>\n\n\n\n            <span class=\"b-anchor\" id=\"progressive\" > <\/span>\n    \n\n            <span class=\"b-toc-anchor\" id=\"savings\" title=\"Best for Discounts\"><\/span>\n    \n\n                                                \n\n\n<section id=\"progressive\" class=\"block b-mini-review\">\n    <div class=\"b-mini-review__top-content\">\n        <div class=\"b-mini-review__logo-wrapper\">\n                            <span class=\"b-mini-review__logo-wrapper-title\">Progressive<\/span>\n                    <\/div>\n        <div class=\"b-mini-review__top-info\">\n            <h3 class=\"b-mini-review__top-info-title\"> Best for Discounts<\/h3>\n                        <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\"> Why we chose it<\/p>\n                                    <div class=\"b-mini-review__top-info-desc\">\n                Progressive has some of the best discounts for car insurance in Kentucky.\n            <\/div>\n                    <\/div>\n        <div class=\"b-mini-review__ratings-bar\">\n            <div class=\"b-mini-review__ratings-bar-button-wrapper\">\n                                <a href=\"https:\/\/www.reviews.com\/insurance\/car\/quotes\/?rvitemid=325339-20\" class=\"reviews-btn--primary\" rel=\" sponsored\">Compare rates<\/a>\n            <\/div>\n            <div class=\"b-mini-review__ratings\">\n            <ul class=\"b-mini-review__ratings-list\">\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">$2,150*<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        Average Premium\n                                                    <span class=\"tooltip-content\">Pricing data comes from our partners at Bankrate.com.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">A+<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        AM Best Rate\n                                                    <span class=\"tooltip-content\">AM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">828**<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        J.D. Power\n                                                    <span class=\"tooltip-content\">J.D. Power scores are based on surveys for customer satisfaction and product quality.<\/span>\n                                            <\/span>\n                <\/li>\n                        <\/ul>\n            <\/div>\n        <\/div>\n\n        <div class=\"b-mini-review__top-info_mobile\">\n            <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\">Why we chose it<\/p>\n            <div class=\"b-mini-review__top-info-desc\">\n                Progressive has some of the best discounts for car insurance in Kentucky.\n            <\/div>\n        <\/div>\n\n    <\/div>\n\n    <div class=\"b-mini-review__bottom-content\">\n        <div class=\"b-mini-review__pros-cons-list-wrapper\">\n            <h4 class=\"b-mini-review__subtitle\">Pros<\/h4>\n            <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_pros\">\n                            <li>Work backwards using Name Your Price to set a budget<\/li>\n                            <li>Long list of discounts<\/li>\n                        <\/ul>\n\n                            <h4 class=\"b-mini-review__subtitle\">Cons<\/h4>\n                <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_cons\">\n                                        <li>No accident forgiveness available <\/li>\n                                        <li>Low claims satisfaction ratings from J.D. Power<\/li>\n                                        <li>Below-average customer satisfaction<\/li>\n                                    <\/ul>\n                    <\/div>\n        \n        <div class=\"b-mini-review__desc-wrapper \">\n            <div class=\"b-mini-review__accordion-header\">\n                <span class=\"b-mini-review__accordion-text\">Read More<\/span>\n            <\/div>\n            <div class=\"b-mini-review__accordion-content\">\n                            <h4 class=\"b-mini-review__subtitle\">Types of Coverage Offered<\/h4>\n                <div> <ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Custom parts and equipment<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Deductible savings bank<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Gap insurance<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Rideshare<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Rental car reimbursement<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">SR-22<\/span><\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">Discounts Available<\/h4>\n                <div> <ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Automatic payments<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Continuous insurance<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Distant student<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Good student<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Insurance bundles<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Multi-vehicle<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Online quote<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Paperless billing<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Pay in full<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Snapshot\u00ae safe driver program<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Teen driver<\/span><\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">More Progressive Insurance Reviews<\/h4>\n                <div> <ul>\n<li><a href=\"https:\/\/www.reviews.com\/insurance\/car\/progressive-review\/\">Progressive Auto Insurance Review<\/a><\/li>\n<li><a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/progressive-review\/\">Progressive Homeowners Insurance Review<\/a><\/li>\n<li><a href=\"https:\/\/www.reviews.com\/insurance\/renters\/progressive-review\/\">Progressive Renters Insurance Review<\/a><\/li>\n<\/ul>\n <\/div>\n                        <div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n\n            <span class=\"b-anchor\" id=\"allstate\" > <\/span>\n    \n\n            <span class=\"b-toc-anchor\" id=\"coverage-options\" title=\"Best for Coverage Options\"><\/span>\n    \n\n                                                \n\n\n<section id=\"allstate\" class=\"block b-mini-review\">\n    <div class=\"b-mini-review__top-content\">\n        <div class=\"b-mini-review__logo-wrapper\">\n                            <span class=\"b-mini-review__logo-wrapper-title\">Allstate<\/span>\n                    <\/div>\n        <div class=\"b-mini-review__top-info\">\n            <h3 class=\"b-mini-review__top-info-title\"> Best for Coverage Options<\/h3>\n                        <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\"> Why we chose it<\/p>\n                                    <div class=\"b-mini-review__top-info-desc\">\n                Allstate has enough types of coverage for all driver types, making it the best auto insurance in Kentucky when you\u2019re in need of a unique policy. \n            <\/div>\n                    <\/div>\n        <div class=\"b-mini-review__ratings-bar\">\n            <div class=\"b-mini-review__ratings-bar-button-wrapper\">\n                                <a href=\"https:\/\/d.agkn.com\/pixel\/2267\/?che=[cachebuster]&#038;col=345361,571352,6720045&#038;l1=https:\/\/www.allstate.com\/landingpages\/lsp\/affiliate-autoplanners.html?CID=AFF-REV-AU-073845-200616&#038;campaign=444490000073845&#038;clickid={clickid}&#038;source={irpid}&#038;subsource={sharedid}&#038;IRCmpID={ircid}&#038;rvitemid=325305-20\" class=\"reviews-btn--primary\" rel=\"nofollow sponsored\">Compare rates<\/a>\n            <\/div>\n            <div class=\"b-mini-review__ratings\">\n            <ul class=\"b-mini-review__ratings-list\">\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">$3,515*<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        Average Premium\n                                                    <span class=\"tooltip-content\">Pricing data comes from our partners at Bankrate.com.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">A+<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        AM Best Rate\n                                                    <span class=\"tooltip-content\">AM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">838**<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        J.D. Power\n                                                    <span class=\"tooltip-content\">J.D. Power scores are based on surveys for customer satisfaction and product quality.<\/span>\n                                            <\/span>\n                <\/li>\n                        <\/ul>\n            <\/div>\n        <\/div>\n\n        <div class=\"b-mini-review__top-info_mobile\">\n            <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\">Why we chose it<\/p>\n            <div class=\"b-mini-review__top-info-desc\">\n                Allstate has enough types of coverage for all driver types, making it the best auto insurance in Kentucky when you\u2019re in need of a unique policy. \n            <\/div>\n        <\/div>\n\n    <\/div>\n\n    <div class=\"b-mini-review__bottom-content\">\n        <div class=\"b-mini-review__pros-cons-list-wrapper\">\n            <h4 class=\"b-mini-review__subtitle\">Pros<\/h4>\n            <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_pros\">\n                            <li>Rideshare coverage<\/li>\n                            <li>Coverage for expensive vehicle upgrades such as high-end sounds systems<\/li>\n                            <li>Claims-satisfaction guarantee<\/li>\n                        <\/ul>\n\n                            <h4 class=\"b-mini-review__subtitle\">Cons<\/h4>\n                <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_cons\">\n                                        <li>Claims can\u2019t be filed through the mobile app<\/li>\n                                        <li>Lower than average customer satisfaction<\/li>\n                                    <\/ul>\n                    <\/div>\n        \n        <div class=\"b-mini-review__desc-wrapper \">\n            <div class=\"b-mini-review__accordion-header\">\n                <span class=\"b-mini-review__accordion-text\">Read More<\/span>\n            <\/div>\n            <div class=\"b-mini-review__accordion-content\">\n                            <h4 class=\"b-mini-review__subtitle\">Types of Coverage Offered<\/h4>\n                <div> <ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Classic cars<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Collision and comprehensive\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Rental reimbursement<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Roadside coverage<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Sound system insurance<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Uninsured and underinsured motorist coverage<\/span><\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">Discounts Available<\/h4>\n                <div> <ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Anti-lock brakes<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Anti-theft devices<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Automatic payments<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Multi-policy<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">New car<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Paperless<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Pay-in-full<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Responsible payer<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Safe driver<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Smart student<\/span><\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">More Allstate Insurance Reviews<\/h4>\n                <div> <ul>\n<li><a href=\"https:\/\/www.reviews.com\/insurance\/car\/Allstate-review\/\">Allstate Auto Insurance Review<\/a><\/li>\n<li><a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/Allstate-review\/\">Allstate Homeowners Insurance Review<\/a><\/li>\n<li><a href=\"https:\/\/www.reviews.com\/insurance\/renters\/Allstate-review\/\">Allstate Renters Insurance Review<\/a><\/li>\n<\/ul>\n <\/div>\n                        <div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n\n            <span class=\"b-anchor\" id=\"state-farm\" > <\/span>\n    \n\n            <span class=\"b-toc-anchor\" id=\"web-tools\" title=\"Best Mobile App and Web Tools\"><\/span>\n    \n\n                                                \n\n\n<section id=\"state-farm\" class=\"block b-mini-review\">\n    <div class=\"b-mini-review__top-content\">\n        <div class=\"b-mini-review__logo-wrapper\">\n                            <span class=\"b-mini-review__logo-wrapper-title\">State Farm<\/span>\n                    <\/div>\n        <div class=\"b-mini-review__top-info\">\n            <h3 class=\"b-mini-review__top-info-title\"> Best Mobile App and Web Tools<\/h3>\n                        <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\"> Why we chose it<\/p>\n                                    <div class=\"b-mini-review__top-info-desc\">\n                State Farm was founded in 1922, but its online resources and robust mobile app make it one of the best car insurance companies in Kentucky for innovation.\n            <\/div>\n                    <\/div>\n        <div class=\"b-mini-review__ratings-bar\">\n            <div class=\"b-mini-review__ratings-bar-button-wrapper\">\n                                <a href=\"https:\/\/www.reviews.com\/insurance\/car\/quotes\/?rvitemid=325309-20\" class=\"reviews-btn--primary\" rel=\" sponsored\">Compare rates<\/a>\n            <\/div>\n            <div class=\"b-mini-review__ratings\">\n            <ul class=\"b-mini-review__ratings-list\">\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">$1,540*<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        Average Premium\n                                                    <span class=\"tooltip-content\">Pricing data comes from our partners at Bankrate.com.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">A++<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        AM Best Rate\n                                                    <span class=\"tooltip-content\">AM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">856**<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        Reviews Score\n                                                    <span class=\"tooltip-content\">Score is based on company&#8217;s customer experience, financial stability, and coverage options.<\/span>\n                                            <\/span>\n                <\/li>\n                        <\/ul>\n            <\/div>\n        <\/div>\n\n        <div class=\"b-mini-review__top-info_mobile\">\n            <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\">Why we chose it<\/p>\n            <div class=\"b-mini-review__top-info-desc\">\n                State Farm was founded in 1922, but its online resources and robust mobile app make it one of the best car insurance companies in Kentucky for innovation.\n            <\/div>\n        <\/div>\n\n    <\/div>\n\n    <div class=\"b-mini-review__bottom-content\">\n        <div class=\"b-mini-review__pros-cons-list-wrapper\">\n            <h4 class=\"b-mini-review__subtitle\">Pros<\/h4>\n            <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_pros\">\n                            <li>You can file claims through the full-featured mobile app<\/li>\n                            <li>Large library of tutorials and articles on insurance <\/li>\n                            <li>The largest insurance carrier in the country<\/li>\n                        <\/ul>\n\n                            <h4 class=\"b-mini-review__subtitle\">Cons<\/h4>\n                <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_cons\">\n                                        <li>Insurance coverage options limited to the basics<\/li>\n                                    <\/ul>\n                    <\/div>\n        \n        <div class=\"b-mini-review__desc-wrapper \">\n            <div class=\"b-mini-review__accordion-header\">\n                <span class=\"b-mini-review__accordion-text\">Read More<\/span>\n            <\/div>\n            <div class=\"b-mini-review__accordion-content\">\n                            <h4 class=\"b-mini-review__subtitle\">Types of Coverage Offered<\/h4>\n                <div> <ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Collision and comprehensive<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Property damage<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Rental car and travel expenses<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Rideshare<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Roadside assistance<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Uninsured\/underinsured motorist<\/span><\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">Discounts Available<\/h4>\n                <div> <ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Accident-free<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Anti-theft devices<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Defensive driving course<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Drive Safe &amp; Save app<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Driving training<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Good driver<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Good student<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Multi-car<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Multi-policy<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Passive restraint system<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Steer Clear app<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Student away at school<\/span><\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">More State Farm Insurance Reviews<\/h4>\n                <div> <ul>\n<li><a href=\"https:\/\/www.reviews.com\/insurance\/car\/state-farm-review\/\">State Farm Auto Insurance Review<\/a><\/li>\n<li><a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/state-farm-review\/\">State Farm Homeowners Insurance Review<\/a><\/li>\n<li><a href=\"https:\/\/www.reviews.com\/insurance\/renters\/state-farm-review\/\">State Farm Renters Insurance Review<\/a><\/li>\n<\/ul>\n <\/div>\n                        <div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n\n            <span class=\"b-anchor\" id=\"kentucky-farm-bureau\" > <\/span>\n    \n\n            <span class=\"b-toc-anchor\" id=\"farmers\" title=\"Best for Farmers\"><\/span>\n    \n\n                                                \n\n\n<section id=\"kentucky-farm-bureau\" class=\"block b-mini-review\">\n    <div class=\"b-mini-review__top-content\">\n        <div class=\"b-mini-review__logo-wrapper\">\n                            <span class=\"b-mini-review__logo-wrapper-title\">Kentucky Farm Bureau<\/span>\n                    <\/div>\n        <div class=\"b-mini-review__top-info\">\n            <h3 class=\"b-mini-review__top-info-title\"> Best for Farmers<\/h3>\n                        <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\"> Why we chose it<\/p>\n                                    <div class=\"b-mini-review__top-info-desc\">\n                You\u2019ll need to qualify for membership, but if you do, you\u2019ll have access to local expertise and discounts on a variety of services.\n            <\/div>\n                    <\/div>\n        <div class=\"b-mini-review__ratings-bar\">\n            <div class=\"b-mini-review__ratings-bar-button-wrapper\">\n                                <a href=\"\" class=\"reviews-btn--primary\" rel=\"nofollow sponsored\"><\/a>\n            <\/div>\n            <div class=\"b-mini-review__ratings\">\n            <ul class=\"b-mini-review__ratings-list\">\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">$1,754*<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        Average Premium\n                                                    <span class=\"tooltip-content\">Pricing data comes from our partners at Bankrate.com.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">A<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        AM Best Rate\n                                                    <span class=\"tooltip-content\">AM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">866**<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        J.D. Power\n                                                    <span class=\"tooltip-content\">J.D. Power scores are based on surveys for customer satisfaction and product quality.<\/span>\n                                            <\/span>\n                <\/li>\n                        <\/ul>\n            <\/div>\n        <\/div>\n\n        <div class=\"b-mini-review__top-info_mobile\">\n            <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\">Why we chose it<\/p>\n            <div class=\"b-mini-review__top-info-desc\">\n                You\u2019ll need to qualify for membership, but if you do, you\u2019ll have access to local expertise and discounts on a variety of services.\n            <\/div>\n        <\/div>\n\n    <\/div>\n\n    <div class=\"b-mini-review__bottom-content\">\n        <div class=\"b-mini-review__pros-cons-list-wrapper\">\n            <h4 class=\"b-mini-review__subtitle\">Pros<\/h4>\n            <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_pros\">\n                            <li>A comprehensive list of auto insurance coverage<\/li>\n                            <li>Personal attention from a local agent<\/li>\n                            <li>Discounts on a variety of other services and purchases<\/li>\n                        <\/ul>\n\n                            <h4 class=\"b-mini-review__subtitle\">Cons<\/h4>\n                <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_cons\">\n                                        <li>Membership required<\/li>\n                                        <li>$35 annual membership fee<\/li>\n                                        <li>Small, regional carrier<\/li>\n                                    <\/ul>\n                    <\/div>\n        \n        <div class=\"b-mini-review__desc-wrapper \">\n            <div class=\"b-mini-review__accordion-header\">\n                <span class=\"b-mini-review__accordion-text\">Read More<\/span>\n            <\/div>\n            <div class=\"b-mini-review__accordion-content\">\n                            <h4 class=\"b-mini-review__subtitle\">Types of Coverage Offered<\/h4>\n                <div> <ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Collision and comprehensive<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Property damage<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Rental car and travel expenses<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Rideshare<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Roadside assistance<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Uninsured\/underinsured motorist<\/span><\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">Discounts Available<\/h4>\n                <div> <ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Accident-free<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Anti-theft devices<\/span><\/li>\n<li style=\"font-weight: 400;\">Defensive driving course<\/li>\n<li style=\"font-weight: 400;\">Drive Safe &amp; Save app<\/li>\n<li style=\"font-weight: 400;\">Driving training<\/li>\n<li style=\"font-weight: 400;\">Good driver<\/li>\n<li style=\"font-weight: 400;\">Good student<\/li>\n<li style=\"font-weight: 400;\">Multi-car<\/li>\n<li style=\"font-weight: 400;\">Multi-policy<\/li>\n<li style=\"font-weight: 400;\">Passive restraint system<\/li>\n<li style=\"font-weight: 400;\">Steer Clear app<\/li>\n<li style=\"font-weight: 400;\">Student away at school<\/li>\n<\/ul>\n <\/div>\n                        <div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n\n<p><em>* Data provided by Bankrate.com. <\/em><\/p>\n\n\n\n<p><em>**J.D. Power <a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2025-us-auto-insurance-study\" rel=\"nofollow\" class=\"achor-toggles\">2021 Auto Insurance Satisfaction Study<\/a> rating for the Southeast region. Based on a 1,000-point scale.<\/em><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">The Average Cost of Car Insurance in Kentucky<\/h2>\n\n\n\n<p>As of 2024\u20132025, recent, reputable analyses estimate that Kentucky drivers pay roughly $2,600\u2013$3,100 per year for <a class=\"achor-toggles\" href=\"https:\/\/www.reviews.com\/insurance\/car\/full-coverage\/\">full coverage<\/a> and about $600\u2013$900 per year for state\u2011minimum coverage. Exact averages vary by source and driver profile; see <a href=\"https:\/\/www.bankrate.com\">Bankrate<\/a> and <a href=\"https:\/\/www.nerdwallet.com\">NerdWallet<\/a> for current Kentucky estimates.<\/p>\n\n\n\n<p>Expect to pay more than the national average due to higher claim severity (repair, parts and labor inflation) and Kentucky\u2019s choice no\u2011fault medical costs. Kentucky is not currently among the top five states for traffic fatality rates; in the latest finalized dataset its motor\u2011vehicle death rate is roughly around 20 per 100,000 residents (<a href=\"https:\/\/www.iihs.org\/topics\/fatality-statistics\/detail\/state-by-state\" target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\" (opens in a new tab)\">IIHS state\u2011by\u2011state fatality tables<\/a>). Broader premium pressure is also reflected in the <a href=\"https:\/\/www.bls.gov\/news.release\/cpi.nr0.htm\">BLS Consumer Price Index<\/a> for motor vehicle insurance.<\/p>\n\n\n\n<p>To save on your car insurance, shop around to <a href=\"https:\/\/www.reviews.com\/insurance\/car\/quotes\/\">compare car insurance prices<\/a>. The same type of coverage could cost more (or less) with a different carrier, and many insurers now offer telematics\/usage\u2011based programs that can lower rates based on your driving (<a href=\"https:\/\/risk.lexisnexis.com\">LexisNexis U.S. Auto Insurance Trends<\/a>).<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Top 3 Cheapest Car Insurance Companies in\u00a0 Kentucky<\/h2>\n\n\n\n<figure class=\"wp-block-table table table-striped table-bordered table--bordered-top\"><table class=\"\"><tbody><tr><td><strong>Company<\/strong><\/td><td><strong>Average Annual Full Coverage Premium*<\/strong><\/td><\/tr><tr><td>USAA<\/td><td>$1,466<\/td><\/tr><tr><td>State Farm<\/td><td>$1,540<\/td><\/tr><tr><td>Geico<\/td><td>$1,567<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><em>*Data provided by Bankrate.com.<\/em><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Top 3 Most Expensive Car Insurance Companies in Kentucky<\/h2>\n\n\n\n<figure class=\"wp-block-table table table-striped table-bordered table--bordered-top\"><table class=\"\"><tbody><tr><td><strong>Company<\/strong><\/td><td><strong>Average Annual Full Coverage Premium*<\/strong><\/td><\/tr><tr><td>Allstate<\/td><td>$3,515<\/td><\/tr><tr><td>Electric Insurance Company<\/td><td>$2,702<\/td><\/tr><tr><td>Safe Auto Ins Co<\/td><td>$2,523<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><em>*Data provided by Bankrate.com.<\/em><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Top 3 Cheapest Cities for Car Insurance in Kentucky<\/h2>\n\n\n\n<figure class=\"wp-block-table table table-striped table-bordered table--bordered-top\"><table class=\"\"><tbody><tr><td><strong>City<\/strong><\/td><td><strong>Average Annual Full Coverage Premium*<\/strong><\/td><\/tr><tr><td>Fort Thomas<\/td><td>$1,554<\/td><\/tr><tr><td>Highland Heights<\/td><td>$1,577<\/td><\/tr><tr><td>Cold Spring<\/td><td>$1,577<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><em>*Data provided by Bankrate.com.<\/em><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Top 3 Most Expensive Cities for Car Insurance in Kentucky<\/h2>\n\n\n\n<figure class=\"wp-block-table table table-striped table-bordered table--bordered-top\"><table class=\"\"><tbody><tr><td><strong>City<\/strong><\/td><td><strong>Average Annual Full Coverage Premium*<\/strong><\/td><\/tr><tr><td>Phyllis<\/td><td>$2,914<\/td><\/tr><tr><td>Mc Carr<\/td><td>$2,911<\/td><\/tr><tr><td>Ransom<\/td><td>$2,956<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><em>*Data provided by Bankrate.com.<\/em><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Guide to Kentucky Car Insurance&nbsp;<\/h2>\n\n\n\n<p>Kentucky is a choice no-fault state with <a href=\"https:\/\/drive.ky.gov\/Motor-Vehicle-Licensing\/Pages\/Mandatory-Insurance.aspx\">mandatory insurance requirements<\/a>. Most drivers carry basic Personal Injury Protection (PIP) under the Motor Vehicle Reparations Act and may reject no-fault\/tort limitations in writing; liability still applies for damages beyond thresholds. Having the right amount of coverage is essential. See the <a href=\"https:\/\/insurance.ky.gov\">Kentucky DOI Auto Insurance Consumer Guide<\/a> for details. Other things to know about Kentucky:<\/p>\n\n\n\n<ul><li>Texting is banned when you\u2019re behind the wheel<\/li><li>You have <a href=\"https:\/\/www.marshallcountyky.gov\">15 days<\/a> to register an out-of-state vehicle<\/li><li>Call the police if you\u2019re in an accident with damage over $500 or <a href=\"https:\/\/louisville-police.org\/337\/Report-an-Accident\">report it to the Kentucky State Police<\/a> within 10 days of the occurrence<\/li><\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">Car Insurance Add-Ons That Will Further Protect You&nbsp;<\/h2>\n\n\n\n<p>Although the state only requires a minimum amount of liability insurance, some drivers, such as owners of newer-model vehicles, should consider getting additional coverage.<\/p>\n\n\n\n<ul><li><strong>Comprehensive:<\/strong> Comprehensive coverage insures your vehicle against damage from theft, fire and storms.<\/li><li><strong>Collision: <\/strong>The state-required liability insurance doesn\u2019t pay for damages to your vehicle. <a href=\"https:\/\/www.reviews.com\/insurance\/car\/comprehensive-collision-insurance\/\">Collision coverage<\/a> will pay for repairs or replacement if you\u2019re at fault.<\/li><li><a href=\"https:\/\/www.reviews.com\/insurance\/car\/motorist-coverage\/\"><strong>Uninsured\/underinsured motorist<\/strong><\/a><strong>:<\/strong> This type of coverage will pay for your losses if the other driver is at fault and uninsured.<\/li><\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">Kentucky Minimum Insurance Requirements<\/h3>\n\n\n\n<p>All drivers in Kentucky must carry at least 25\/50\/25 in liability coverage to pay for damages to others; basic PIP benefits of $10,000 per person are also standard unless rejected. The figures are as follows:<\/p>\n\n\n\n<ul><li>$25,000 bodily injury coverage per person<\/li><li>$50,000 bodily injury coverage per accident<\/li><li>$25,000 property damage coverage per accident<\/li><\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">Kentucky Car Insurance FAQ<\/h2>\n\n\n<div id=\"block_5fbbece60fdc3\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">What is the minimum car insurance required in Kentucky?<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p><span style=\"font-weight: 400;\">All drivers in the state of Kentucky must carry at least $50,000 in bodily injury per accident and $25,000 in liability coverage to pay for property damages to others.<\/span><\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n<div id=\"block_5fbbecf70fdc4\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">What is the average auto insurance cost in Kentucky?<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p><span style=\"font-weight: 400;\">Bankrate.com reports that the 2021 cost of auto insurance in Kentucky is $2,128 per year for full coverage and $748 per year for minimum coverage. Your rates will vary based on your individual rating factors.<\/span><\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n<div id=\"block_5fbbed0d0fdc5\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">Do I need car insurance in Kentucky?<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p><span style=\"font-weight: 400;\">The state of Kentucky requires all drivers in the state to have liability insurance. But if you have a newer-model vehicle, you may want to buy additional insurance for full coverage.<\/span><\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n<div id=\"block_5fbbed200fdc6\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">What is the cheapest car insurance company in Kentucky?<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p><span style=\"font-weight: 400;\">Based on Bankrate\u2019s data, USAA offers the cheapest car insurance in Kentucky, with a full coverage premium of $1,466 per year. If you don\u2019t qualify for USAA, State Farm could be a good option, with an average annual full coverage premium of $1,540. Keep in mind that, because rates are personalized, the cheapest company for you may be another carrier entirely.<\/span><\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n\n<h2 class=\"wp-block-heading\">Methodology<\/h2>\n\n\n\n<p>Reviews.com reviews products, services and companies based on five criteria to help readers understand how companies compare based on similar metrics. For the best car insurance companies, our editorial team compared affordability, customer support, coverage options, customer satisfaction scores and online resources from each company to determine top providers.&nbsp;<\/p>\n\n\n\n<p>As for average pricing, we referenced recent 2024\u20132025 Kentucky rate analyses from <a href=\"https:\/\/www.bankrate.com\">Bankrate<\/a> and <a href=\"https:\/\/www.nerdwallet.com\">NerdWallet<\/a>, which model standardized driver profiles. For full coverage, we considered the following selections for comparability:<\/p>\n\n\n\n<ul><li>$100,000 bodily injury liability per person<\/li><li>$300,000 bodily injury liability per accident<\/li><li>$50,000 property damage liability per accident<\/li><li>$100,000 uninsured motorist bodily injury per person<\/li><li>$300,000 uninsured motorist bodily injury per accident<\/li><li>$500 collision deductible<\/li><li>$500 comprehensive deductible<\/li><\/ul>\n\n\n\n<p>To determine minimum coverage limits, we reference each state\u2019s statutory minimums. Our base profile drivers own a late\u2011model Toyota Camry, commute five days a week and drive 12,000 miles annually.\u00a0<\/p>\n\n\n\n<p>These are sample rates and should only be used for comparative purposes.<\/p>\n\n\n\n","protected":false},"excerpt":{"rendered":"<p>Drivers in Kentucky must maintain active auto liability insurance with basic personal injury protection (PIP) under the state\u2019s choice no\u2011fault rules and keep proof available. Kentucky uses electronic insurance verification; if you don\u2019t respond to a proof\u2011of\u2011insurance notice, you can face fines and registration or plate suspension, per the Kentucky Department of Insurance.&nbsp; Before you [&hellip;]<\/p>\n","protected":false},"author":345,"featured_media":357486,"parent":1760,"menu_order":0,"comment_status":"closed","ping_status":"open","template":"page-templates\/template-refresh.php","meta":[],"categories":[1266],"tags":[],"post_author":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>The Best Kentucky Auto Insurance - Reviews.com<\/title>\n<meta name=\"description\" content=\"Car Insurance rates in kentucky have been rising over the past couple of years. 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