Looking for the cheapest car insurance in Kentucky? The average driver here pays $195/mo for full coverage, but the cheapest company — GEICO — starts at just $148/mo. That's a potential savings of $564/year. The key is comparing quotes from multiple carriers.
(888) 217-6781The price you pay for car insurance in Kentucky depends on your driving record, credit score, age, vehicle, and ZIP code. The same driver can see wildly different quotes from different companies — sometimes hundreds of dollars apart. Here's how to lock in the lowest rate:
Based on our analysis, these carriers offer the lowest full coverage rates statewide:
| Insurance Company | 6-Month Premium | Monthly Cost |
|---|---|---|
| GEICO ⭐ | $888 | $148/mo |
| Kentucky Farm Bureau | $912 | $152/mo |
| Progressive | $996 | $166/mo |
| State Farm | $1,092 | $182/mo |
| Allstate | $1,332 | $222/mo |
Rates based on 2026 data for a 35-year-old driver with good credit and clean record. Your rate will vary.
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(888) 217-6781Rates vary by city. Find rates for your area:
Our rate analysis is based on publicly available rate filings and industry data. We regularly update our research to ensure accuracy.
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