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USAA provides the cheapest full coverage car insurance in Kentucky at about $1,538 a year. (USAA offers car insurance only to members of the military, veterans and their immediate families.) Your specific rates may vary, but the average full coverage car insurance premium in Kentucky is $175 per month, according to Insure.com’s 2022 rate analysis.
Car insurance is a legal requirement in most states, and Kentucky is no exception. Kentucky drivers are required to carry at least the minimum amount of liability coverage—$25,000 of personal property coverage per person, $25,000 for bodily injury per person and $50,000 for bodily injury per accident.
However, many drivers choose to purchase full coverage car insurance, which provides additional protection in the event of an accident.
What is full coverage car insurance in Kentucky?
Full coverage car insurance includes bodily injury and property damage liability coverage, as well as comprehensive and collision coverage, according to the Insurance Information Institute (III). Collision insurance covers your vehicle if it’s damaged or destroyed in an accident, while comprehensive insurance provides protection against damage that is caused by something other than collisions such as weather or theft.
If you lease or finance your car in Kentucky, your lender may ask you to purchase collision and comprehensive insurance beyond the state-mandated liability coverage. Every state except New Hampshire and Virginia requires drivers to get liability coverage, while comprehensive and collision coverage are optional. However, in Virginia, you have to pay an uninsured motorist fee of $500.
Average full coverage car insurance cost in Kentucky
Full coverage insurance costs more than minimum liability insurance, but the extra cost is worth it for most drivers. Average cost of full coverage car insurance in Kentucky is 25% more than the national average cost of full coverage insurance in the U.S.
There are different full coverage limits that a driver can purchase. However, Insure.com editors recommend that every driver should carry 100/300/100 coverage limits.
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Cheapest full coverage car insurance rate in Kentucky by company
USAA offers the cheapest full coverage car insurance in Kentucky an average of $1,538 per year. It’s 27% less expensive than the average full coverage car insurance cost in Kentucky. The rates will vary based on factors such as your driving history, age, ZIP Code and the make and model of your car.
When shopping for auto insurance, compare rates from multiple companies to make sure you’re getting the best deal.
Below are the annual rates for car insurance from major insurance companies.
| Company | Full coverage insurance cost |
|---|---|
| USAA | $1,538 |
| Geico | $1,609 |
| State Farm | $1,609 |
| Travelers | $1,632 |
| Nationwide | $1,730 |
| Auto-Owners | $1,748 |
| Progressive | $2,093 |
| Kentucky Farm Bureau | $2,204 |
| Allstate | $2,614 |
| Farmers Insurance | $4,277 |
Full coverage car insurance cost in Kentucky by ZIP code
Full coverage car insurance premiums vary significantly by ZIP code. Insurance companies consider factors such as the crime rate in an area, the number of claims filed, types of claims filed to determine annual premiums. Below are the least and most expensive ZIP codes for full coverage car insurance.
Most expensive ZIP codes for car insurance in Kentucky
Drivers living in the ZIP code 41542 pay the highest premiums at about $2,890 a year. ZIP codes with a higher number of car thefts or vandalism also tend to have higher car insurance rates.
Find below the most expensive ZIP codes for car insurance in Kentucky.
| ZIP code | Full coverage insurance cost |
|---|---|
| 41542 | $2,890 |
| 40944 | $2,854 |
| 40981 | $2,839 |
| 41568 | $2,802 |
| 41544 | $2,798 |
| 41566 | $2,790 |
| 41558 | $2,790 |
| 41554 | $2,790 |
| 41528 | $2,789 |
| 41524 | $2,788 |
Least expensive ZIP codes for car insurance in Kentucky
42303 ZIP code in Kentucky has the cheapest full coverage auto insurance cost at an average price of $1,435 annually. Know the least expensive ZIP codes for car insurance in Kentucky below.
| ZIP code | Full coverage insurance cost |
|---|---|
| 42303 | $1,435 |
| 41075 | $1,448 |
| 42301 | $1,449 |
| 41076 | $1,464 |
| 41042 | $1,487 |
| 41017 | $1,493 |
| 41005 | $1,494 |
| 41073 | $1,494 |
| 40514 | $1,496 |
| 41085 | $1,499 |
Kentucky full coverage car insurance rate by age
Young drivers in Kentucky tend to pay higher insurance rates than adult drivers because they are more likely to get into accidents and file claims on their insurance policy. A 16-year-old driver pays 363% more than a 40-year-old mature driver in Kentucky, based on Insure.com’s analysis.
The table below shows full coverage car insurance rates for drivers of different ages:
| Age group | Full coverage annual premiums |
|---|---|
| Teen drivers (age 16-19) | $7,634 |
| Young drivers (age 20-24) | $3,698 |
| Adult drivers (age 25-64) | $2,149 |
| Senior drivers (age 65+) | $2,061 |
Read our Guide to car insurance for teens for more information
Car insurance rates in Kentucky by driver history
Your driving history is one of the main factors insurers look at when considering insurance rates. If you are responsible for a car accident or get convicted of a driving infraction, your auto insurance premiums will likely go up. However, if you have a clean driving record, insurance companies see you as a low-risk driver and you are likely to get cheap full coverage car insurance.
Cheapest full coverage car insurance after a speeding ticket in Kentucky
Getting a speeding ticket is never any fun. Not only will you have to pay a fine, but your insurance rates may go up. A single speeding ticket can increase your rates by 29% or $598 in Kentucky, based on Insure.com data.
But if you’re looking for affordable coverage, below are some insurers that offer cheap full-coverage car insurance after a speeding ticket.
| Company | Average annual premium | New rate after incident | % Increase | $ Increase |
|---|---|---|---|---|
| State Farm | $1,455 | $1,562 | 7% | $107 |
| Auto-Owners | $1,683 | $1,954 | 16% | $271 |
| USAA | $1,610 | $2,077 | 29% | $467 |
| Geico | $1,597 | $2,236 | 40% | $638 |
| Nationwide | $1,744 | $2,260 | 30% | $516 |
| Kentucky Farm Bureau | $2,325 | $2,325 | 0% | $0 |
| Travelers | $1,683 | $2,512 | 49% | $829 |
| Allstate | $2,388 | $2,816 | 18% | $427 |
| Progressive | $2,349 | $3,089 | 32% | $741 |
| Farmers | $4,091 | $5,913 | 45% | $1,822 |
Cheapest full coverage car insurance after an accident in Kentucky
No one plans on getting into a car accident, but unfortunately, they happen. If you are in an accident and are at fault, you will probably see your car insurance premiums increase. However, this does not mean you can’t shop around to find the best rates.
State Farm offers the cheapest car insurance rates to drivers after an at-fault accident, at about $1670 a year. (USAA offers car insurance only to members of the military, veterans and their immediate families.) Below, you’ll see which companies have cheap car insurance for drivers with one accident on their record.
| Company | Average annual premium | New rate after incident | % Increase | $ Increase |
|---|---|---|---|---|
| State Farm | $1,455 | $1,670 | 15% | $215 |
| Auto-Owners | $1,683 | $2,155 | 28% | $472 |
| Travelers | $1,683 | $2,447 | 45% | $764 |
| USAA | $1,610 | $2,597 | 61% | $987 |
| Geico | $1,597 | $2,624 | 64% | $1,026 |
| Nationwide | $1,744 | $2,781 | 59% | $1,037 |
| Kentucky Farm Bureau | $2,325 | $3,123 | 34% | $798 |
| Progressive | $2,349 | $3,858 | 64% | $1,509 |
| Allstate | $2,388 | $3,892 | 63% | $1,504 |
| Farmers | $4,091 | $7,793 | 91% | $3,703 |
Cheapest full coverage car insurance after a DUI conviction in Kentucky
If you’ve recently been convicted of a DUI, you may wonder how it will affect your car insurance rates. Most insurers will view you as a high-risk driver and will charge you higher rates.
The table below shows the insurance companies offering cheap car insurance rates to drivers after a DUI conviction.
| Company | Average annual premium | New rate after incident | % Increase | $ Increase |
|---|---|---|---|---|
| State Farm | $1,455 | $1,562 | 7% | $107 |
| Travelers | $1,683 | $2,700 | 60% | $1,017 |
| USAA | $1,610 | $2,701 | 68% | $1,091 |
| Progressive | $2,349 | $2,994 | 27% | $645 |
| Allstate | $2,388 | $3,155 | 32% | $767 |
| Nationwide | $1,744 | $3,470 | 99% | $1,726 |
| Geico | $1,597 | $3,625 | 127% | $2,028 |
| Auto-Owners | $1,683 | $3,722 | 121% | $2,039 |
| Kentucky Farm Bureau | $2,325 | $5,481 | 136% | $3,155 |
| Farmers | $4,091 | $10,489 | 156% | $6,399 |
When it comes to car insurance, everyone is always looking for ways to save. However, skimping on coverage to save a few dollars now could end up costing you dearly down the road.
Make sure you’re adequately protected and take into account your specific needs before buying an auto insurance policy.
Source:
- Insurance Information Institute. “What is auto insurance.” Accessed August 2022.
Methodology
Insure.com gathered the quotes with the help of Quadrant Information Institute. We collected full coverage car insurance rates from major insurance companies for multiple ZIP codes across Kentucky.
The full coverage rates are based on a sample driver profile of a 40-year-old man with a driving record and good credit score.
