Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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Laura Walker graduated college with a BS in Criminal Justice with a minor in Political Science. She married her husband and began working in the family insurance business in 2005. She became a licensed agent and wrote P&C business focusing on personal lines insurance. Laura serviced existing business and wrote new business. She now uses her insurance background to help educate drivers about...

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Reviewed by Laura Walker
Licensed Agent for 10 Years

UPDATED: Sep 9, 2019

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Kentucky drivers enjoy very affordable auto insurance rates hovering just above the national average however you still need to know a few tricks to find the best auto insurance rates in Kentucky.

All Kentucky auto insurance companies have unique formulas for calculating the cost of insurance, and even good drivers can see premiums vary greatly from one provider to another.

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Good drivers in Kentucky average around $1,515 annually for auto insurance coverage, women drivers can pay much less and high risk drivers much more. The actual cost of auto insurance in Kentucky will come down to a combination of your risk profile and comparison skills.

With over 110 licensed auto insurance companies it is not hard to find providers but your goal is to find the best auto insurance company, which is not necessarily the cheapest.

How much auto insurance do I need in Kentucky?

Kentucky auto insurance requirements are comparable to most states in terms of how much auto insurance you need to carry, however Kentucky is one of the only states where drivers have a choice between no fault auto insurance coverage and typical auto insurance.

Drivers can opt to purchase a policy under either of these laws in return for different rates. Both types of auto insurance have different advantages and disadvantages, and drivers cannot switch choices during a policy term.

Regardless of what type of auto insurance you choose there are minimum levels of coverage required by Kentucky law including at least:

  • $25,000 / $50,000 of bodily injury liability
  • $10,000 property damage liability and insurance
  • $10,000 of personal injury protection (PIP)

While these coverage limits may seem reasonable on the surface, most drivers consider at least $100,000 in liability insurance (and other supplemental forms of insurance such as collision and comprehensive) due to the exorbitant cost of medical care, vehicle repairs and potential liability in a car accident.

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Who are the best auto insurance companies in Kentucky?

With over 110 licensed auto insurance companies in Kentucky, it’s very hard to define the best auto insurance providers for any particular driver. Your unique needs will determine which provider is right for you.

However, there are some companies who have a strong market share in Kentucky which are definitely worth considering. Some of the auto insurance companies with the largest market share in Kentucky include:

  • State Farm Insurance
  • Allstate
  • Safe Auto Insurance
  • Nationwide
  • Geico

Always shop around and ask friends and family for recommendations. From national brands to smaller regional companies you will have many options but finding the best fit for your needs can take a little effort comparing auto insurance companies.

At the end of the day, you can often save a nice chunk of money premiums with a good auto insurance comparison search.

Who has the best auto insurance rates in Kentucky?

Auto insurance companies with the most policyholders do not always have the cheapest rates. You have to remember that the value of auto insurance is in the policy coverage and not the premiums.

You really should only compare auto insurance quotes by cost at the final stage of any auto insurance comparison search. The main priority will be to collect comparable quotes from similar providers.

This means comparing policies of equal coverage, deductibles and more. If you focus solely on the cheapest auto insurance quotes then you may find yourself underinsured, or even uninsured, in a car accident.

Learn how auto insurance works, what discounts available, compile a list of providers, request quotes then look at the cost of auto insurance.

The upside is that most Kentucky drivers have very affordable auto insurance coverage and if you have never switched auto insurance companies before its certainly worth considering all your current options in today’ marketplace.

Compare Auto Insurance Quotes in Kentucky today!

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