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Cheapest Car Insurance Rates In Kentucky (2018)

If you’re shopping for cheap auto insurance in Kentucky, you’ve probably noticed that there are dozens of companies that advertise low rates. What you may not know is that different insurance companies often cater to slightly different demographics of drivers, so the insurance quotes you see will vary greatly from one company to the next.

To help you separate the wheat from the chaff, our Geeks evaluated the insurance rates of nine top providers to find the most affordable premiums for the following driver categories:

No Recent AccidentsTeen Drivers
Drivers With A DUISenior Drivers

Best Rates For Drivers With No Recent Accidents

$/month estimate

$/month estimate

You’re probably aware that safe drivers tend to pay lower rates for auto insurance. The reason is simple—they’re statistically less likely to file a claim.

If you haven’t caused any accidents, you can probably qualify for very cheap auto insurance in Kentucky. State Farm and Geico stood out in our study as the most affordable carriers for drivers with a clean accident history.

Best Rates For Teen Drivers

$255/month estimate

$/month estimate

It’s well known that teenagers are more accident-prone than drivers who have years of experience. Insurance companies take this into account when calculating monthly premiums. If you’re looking for cheap auto insurance for teen drivers in Kentucky, our study revealed that Allstate has very affordable rates.

Best Rates For Drivers With A DUI

$250/month estimate

$/month estimate

Being convicted of DUI can affect your life for many years after your case has finalized. One of the most taxing of these effects is paying extra for car insurance. Fortunately, insurance companies have recognized that there is a huge number of drivers who have been convicted of DUI or DWI, so some carriers offer competitive rates for drivers in this category.

Best Rates For Senior Drivers

$78/month estimate

$/month estimate

Our Geeks determined that State Farm has the most affordable auto insurance in Kentucky for senior drivers. Our test driver was 65 years old and had a clean record for the past five years with no major citations or at-fault collisions.

STUDY METHODOLOGY

The default motorist in our research was a 29 year old with a 2014 Toyota Corolla who drove 12,000 miles per year. Our researchers calculated the estimated monthly premiums based on data from females and males in five zip codes throughout Kentucky. The teen driver in our analysis was looking for the minimum required auto insurance coverage, but for all other categories, we used liability coverage limits of 50/100/25 and uninsured motorist coverage of 50/100/25.

What Is The Minimum Required Auto Insurance Coverage In Kentucky?

In Kentucky, all drivers are required to carry auto insurance that would cover at least $25,000 for bodily injuries to one person, $50,000 for bodily injuries caused in one accident, and $10,000 for damage to property. $10,000 in Personal Injury Protection (PIP) coverage per accident is also required.

 

cheapest car insurance in kentucky

Browse through helpful car insurance FAQs on our blog page.

 

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How Can I Get My Car Insurance Premiums Reduced? Should I Buy Uninsured Motorist Coverage? What Factors Affect My Auto Insurance Rates? When Can My Car Insurance Company Increase My Premiums? What Are Common Reasons Why Car Insurance Claims Are Denied?