Fast, Free Auto Insurance Quotes

Kentucky auto insurance rates can be pricey for those who aren’t aware of how much location and carrier can influence costs. EverQuote conducted a study to provide drivers with helpful insight into those differences so motorists can find the cheapest auto insurance in Kentucky. We found that premiums in the Bluegrass State can range in over $500/year. Because of this, we recommend our readers compare auto insurance quotes and shop around before picking a car insurance provider. Some carriers simply offer cheaper rates, based on your driver profile. You can log your ZIP code above to begin your search, or find out more about our analysis by checking out our study below.


Cheapest Auto Insurance in Kentucky

For this study, we calculated and compared the average yearly auto insurance costs reported by EverQuote users living in Kentucky. We wanted to make sure we had a fair comparison of numbers so we looked at a subset of users that were similar to one another. We used the driver profile of a single man looking to insure one full-size or mid-size vehicle for comparability. The chart below shows our insurance carrier findings, ordered from cheapest auto insurance in Kentucky to most expensive.

Rank Car Insurance Carrier Average Yearly Cost Average Monthly Payment
1 Farm Bureau $1,380 $115
2 AAA / Auto Club $1,404 $117
3 Erie $1,494 $125
4 Auto Owners $1,560 $130
5 Shelter Insurance Co. $1,578 $132
6 USAA $1,584 $132
7 State Farm $1,608 $134
8 Liberty Mutual $1,650 $138
State Average $1,656 $138

Fast, Free Auto Insurance Quotes

As you can see above, Farm Bureau had the cheapest average yearly car insurance cost in Kentucky at $1,380. AAA, Erie and Auto Owners also had prices on the more affordable side compared to the priciest carrier.

Cheapest Car Insurance in Kentucky by City}

In addition to carrier prices, we also looked at reported rates in various cities around the Bluegrass State. Using the same driver profile of a single male insuring one mid-size or full-size vehicle, we saw the following costs below. We also looked at reported rates in different cities, again for the same driver profile: A single male with a clean driving record insuring one full-size or mid-size vehicle. We found that the cost of car insurance can vary greatly from city to city. Not surprisingly, Louisville, the largest city in Kentucky, has the most expensive insurance in the state, at an average yearly cost of $1,872. Lexington, the renowned Horse Capital of the World, has the third most costly average at $1,500. The cheapest car insurance in Kentucky can be found in Covington, with an average yearly cost of $1,320 and an average monthly auto insurance payment of $110.

Rank CA City Average Yearly Cost Average Monthly Payment
1 Covington $1,320 $110
2 Bowling Green $1,404 $117
3 Lexington $1,500 $125
4 Richmond $1,524 $127
5 Florence $1,530 $128
State Average $1,656 $138
6 Louisville $1,884 $157

Methodology For This Study

We conducted this study on auto insurance rates by looking at premiums from over two million users looking to save money on auto insurance. This data, along with the users’ current car insurance companies and ZIP codes, allowed us to determine the analysis you find here. Like all drivers, EverQuote users do differ from each other in many ways—by age or by the number of drivers in a household. All of these factors can affect car insurance rates. To help account for this, we looked at users who were similar to each other to provide a fair comparison.