Cheap Car Insurance in Kentucky 2019

Fast, Free Auto Insurance Quotes


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

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

Fast, Free Auto Insurance Quotes