Cheap Car Insurance in Kentucky 2019
Average Kentucky insurance premiums by company
| Company | Average annual car insurance premiums in Kentucky |
|---|---|
| Erie Insurance | $1,588 |
| The Hartford | $1,592 |
| Auto-Owners Insurance | $1,610 |
| Farm Bureau | $1,635 |
| Shelter Insurance | $1,651 |
| Travelers | $1,676 |
| AAA Insurance/Auto Club | $1,765 |
| State Farm | $1,795 |
| Nationwide Insurance | $1,829 |
| Allstate | $1,908 |
| USAA (must have a military affiliation to apply) | $1,939 |
| Liberty Mutual | $1,996 |
| Safeco | $2,004 |
| Progressive Insurance | $2,020 |
| Esurance | $2,049 |
| MetLife Auto | $2,182 |
Insurance increase after a speeding ticket
Kentucky drivers who got a speeding ticket saw an average insurance increase of 18%, lower than the national average increase.
| State | Clean driving record | Speeding ticket | % increase |
|---|---|---|---|
| Kentucky | $1,850/year | $2,192/year | 18% |
| Nationwide average | 26% | ||
Average premiums in Kentucky cities
| City | Average annual premium |
|---|---|
| Ashland | $1,487 |
| Bowling Green | $1,614 |
| Covington | $1,774 |
| Elizabethtown | $1,689 |
| Erlanger | $1,655 |
| Florence | $1,565 |
| Frankfort | $1,738 |
| Ft Mitchell | $1,740 |
| Georgetown | $1,890 |
| Henderson | $1,771 |
| Hopkinsville | $1,951 |
| Lexington | $1,729 |
| London | $1,810 |
| Louisville | $2,073 |
| Newport | $1,718 |
| Nicholasville | $1,836 |
| Owensboro | $1,611 |
| Paducah | $1,813 |
| Radcliff | $2,093 |
| Richmond | $1,588 |
| Shepherdsville | $1,915 |
| Somerset | $1,750 |
You must show an insurance ID card (or other proof of financial responsibility) in Kentucky when:
- Law enforcement requests it
- You renew vehicle registration
Penalties for not having auto insurance in Kentucky
- First offense: $500 to $1,000, jail time of up to 90 days, or both. Registration of vehicle and license plates suspended for up to one year or until insurance is obtained.
- Subsequent offense within five years: $1,000 to $2,500, jail time up to 180 days, or both. License revocation until insurance is obtained.
Source: Property Casualty Insurers Association of America
Rates methodology: EverQuote analyzed premiums reported by our users. Premiums are based on policies with liability of 100/300/50 ($100,000 bodily injury per person, $300,000 bodily injury per accident, $50,000 property damage) and uninsured motorist coverage of 100/300 ($100,000 per person, $300,000 per accident). We used premiums collected between Jan. 1, 2017, and Dec. 31, 2018. Your own rates will be different.
Updated Aug. 23, 2019