Cheap Car Insurance in Kentucky 2019

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Cheapest auto insurance companies in Kentucky

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

Geico

$1,892

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


Average auto insurance companies in Kentucky

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


Required auto insurance coverage in Kentucky

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

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