Find the Best and the Cheapest Car Insurance in KY for 2024

Car insurance in KY isn’t quite the most affordable in the United States. On average, people in the Bluegrass State pay a little over $1,500 for their car insurance. That’s right around the national average.

But that doesn’t mean you can’t get a great deal on your auto insurance in this state. That’s what this guide aims to show you.

This post will outline the best car insurers in Kentucky. Moreover, it’ll go over the most relevant laws and requirements about car insurance in this state.

The Overall Winner: Farm Bureau

Farm Bureau offers the best overall service for Kentucky residents’ car insurance needs.

One of this company’s greatest strengths lies in its competitive prices. Its average insurance cost is $698 per year. If you’re looking for full insurance coverage at Farm Bureau, you’ll have to pay $2,099 annually.

The only big hangup you may have about Farm Bureau is its membership fee. To become eligible for this Kentucky Farm Bureau car insurance, you need to pay a $100 membership fee.

But that aside, Farm Bureau’s auto insurance deals are superb.

Let’s start with coverage options. Farm Bureau offers the basics – comprehensive, liability, and collision coverage. Beyond this standard policy, this company has a couple of add-on coverages. 

One of these add-ons is replacement-cost coverage. This policy reimburses users when replacing their car with the same model. The model needs to be 4-5 years old.

Roadside assistance coverage is another coverage worth considering. This one covers the costs of emergency roadside assistance. That includes towing/pick-up services after a vehicle malfunction or accident.

Looking at Kentucky car insurance discounts Farm Bureau offers, we see a large arsenal of programs. Here’s the selection:

• Driveology
• Smart pay 
• Safe young driver training
• Continued in force credit
• Member’s choice
• Affinity group
• Claim-free
• Low-mileage 
• Anti-theft
• Multicar 
• Good student

We won’t get into too much detail about each policy, but we’ll highlight one.

Driveology, for example, entails the user installing data gathering devices on their car. These devices track how well the driver performs on the road. If they drive well enough, users can shave off up to 30% of their premium.

Policies like these are what make Farm Bureau’s offerings the cheapest car insurance in KY.

Farm Bureau membership also comes with a few discounts not related to car insurance. These discounts can save you money on vacations, rental cars, hotel stays, agricultural equipment, prescriptions, and more.

Except for a few examples, Farm Bureau’s discount options aren’t all that groundbreaking. It’s the quantity of them that makes this company so appealing.

USAA Car Insurance: Amazing for Military Members

USAA is among the most popular and widely praised car insurance providers in the United States.

Unfortunately, not everyone can get to enjoy this company’s services. To become eligible for USAA’s insurance, you need to be a military member – active or veteran. Relatives of military members (such as spouses or parents) can also sign up with USAA.

As such, USAA won’t be accessible for a lot of people interested in its car insurance.

That aside, USAA’s service is very affordable, costing $744 per year on average.

When talking about coverages, USAA’s KY car insurance truly shines in this respect. The company provides the basic ones: liability, comprehensive, and collision. However, it also has a fine roster of additional options. Here’s what USAA can cover:

• Accident forgiveness
• Glass coverage
• Rental reimbursement
• Towing and labor
• Rideshare gap protection
• Car replacement assistance

Another perk of USAA is its gap insurance. This program pays the difference between prices incurred in total loss situations and the price of the car involved in said total loss. 

Overall, USAA coverage options are great, though nothing stands out as particularly innovative. The USAA cheap auto insurance Kentucky residents can apply for is a great deal for its price.

The various discounts offered by this company are as follows: 

• Premier driver discount.
• Automatic payments
• Annual mileage
• USAA’s discount for driving research
• Military installation
• New vehicle
• Family discount
• Stored-vehicle discount
• Good student
• Defensive driving course
• Driver training course

Some of these can significantly reduce your premium. For example, the stored-vehicle discount can save you a whopping 60% of your premium.

What truly sets USAA apart from the competition, however, is its customer service. The customer ratings and reviews of USAA KY car insurance are consistently positive. Business with this company is easy to do both online and in person.

However, we should highlight that USAA somewhat lacks brick-and-mortar locations. They’re primarily around or on military bases, making them less accessible for many people.

The General Car Insurance: Tempting Offer for High-Risk Drivers

On average, car insurance at The General costs $3,684 per year. As you may notice, that’s a fair deal above the state’s average.

But if you happen to be a high-risk driver, The General is an excellent pick for you. That’s because its service is exceptionally forgiving to that demographic. This company’s rates for, say, young drivers or those with poor driving records tend to be lower than at other insurers.

The General’s list of coverage options for auto insurance in Kentucky is lengthy:

• Deductible waiver
• Accidental death
• Optional basic economic loss
• Liability coverage
• Extraordinary medical benefits
• Combination first-party benefits
• Towing and labor
• Uninsured motorist property damage
• Loan/lease payoff
• Comprehensive coverage
• 24/7 roadside assistance
• Custom equipment
• Medical payments coverage
• Hospital indemnity plan
• Transportation
• Funeral benefit
• Personal injury protection coverage
• Collision coverage
• Income loss

As you can see, the customization options are extensive. The discount options aren’t as robust, though:

• Paid in full
• Military discount
• Double deductible discount
• Homeowners
• Multicar
• Previous insurance
• Defensive driving
• Passive restraint discount
• Academic achievement

Though it doesn’t offer the cream of the crop in terms of cheap auto insurance Kentucky drivers can get, The General’s coverages and discounts can lower one’s premium significantly given the right circumstances.

The General caters to a high-risk group of drivers. As such, it’s more likely to pay off for you if you have an international license, for example. Alternatively, you should consider it if you’ve never had car insurance before.

Here is something else to consider. The General has a pattern of complaints from customers. Nine times out of ten, these have to do with delays in clearing claims or displeasing settlements.

On the other hand, The General is one of the few Kentucky auto insurance companies with high app integration. User scores for this app are consistently high.

Progressive: Good Discount Selection

Progressive is a solid pick for car insurance in the Bluegrass State. It offers a wide range of intriguing coverages and discounts.

Moreover, Progressive’s car insurance is reasonably affordable. The average cost of its services is $978 per year. That puts it well under the average price in Kentucky.

So Progressive offers pretty cheap auto insurance in KY. But you’ll be surprised at the variety of policies you can enjoy under this company.

Of course, Progressive boasts the regular coverages, those being liability, comprehensive, and collision. Beyond that, the insurer has some policies, many of which this Progressive review praises.

For example, Progressive’s pet injury policy covers your veterinary bill should your pet end up injured in your car accident. If that doesn’t suit you, maybe the custom part/equipment compensation policy would be more to your liking. It provides $1,000 in compensation for buying aftermarket parts like stereos or grilles.

Here are other coverages Progressive’s car insurance in Kentucky can offer you:

• Liability coverage
• Rental reimbursement
• Uninsured/underinsured bodily injury
• Comprehensive coverage
• Gap insurance
• Medical payments
• Uninsured motorist property damage
• Collision coverage

Moving on to discounts, Progressive’s selection is diverse:

• Multicar
• Teen Driver Discount
• Pay in Full
• Homeowner
• Snapshot
• Continuous Insurance
• Good Student
• Start Your Quote Online
• Safe Driver
• Sign Documents Online
• Automatic Bill Pay
• Bundle Auto and Property

Most of these are self-explanatory, but we’d like to expound on one, that being Snapshot. 

This policy involves an app or device that tracks your driving habits (driving speed, time of driving, etc.) and rewards safe driving. Policies like Snapshot make Progressive’s otherwise cheap car insurance Kentucky even more affordable while encouraging good roadside behavior.

Finally, we should address a problem we found in Progressive’s customer service. Some users have expressed frustration with long wait times when calling the company. We noticed some reviews regretting the time and effort taken to pay out a claim. 

Beyond that, we didn’t notice other patterns of misconduct on Progressive’s part.

GEICO: Great Tech Integration

Offering cheap car insurance in KY, coupled with strong technical capabilities, GEICO is an attractive pick for the young and technologically inclined.

The typical GEICO client can expect to pay $1,184 per year for their car insurance premium. Though not the cheapest option on this list, GEICO still falls below the state average.

GEICO boasts numerous coverages. Outside the liability, collision, and comprehensive trio, GEICO offers the following:

• Mechanical breakdown insurance
• Medical payment/personal injury protection coverage
• Emergency road service
• Rideshare insurance
• Accident forgiveness
• Leased vehicle gap Insurance
• Uninsured/underinsured liability coverage
• Glass coverage
• Rental reimbursement

Most people looking for cheap auto insurance Kentucky insurers offer will be pleased with GEICO’s coverage selection.

In terms of discounts, here’s what the company offers:

• Military discounts
• Multi-Policy discount (car or motorbike)
• Multicycle
• Pay-in-full discount
• Defensive drivers discounts
• Loyalty
• Federal employee discount
• Student discounts
• Vehicle equipment discounts (daytime running lights, anti-theft, airbag, anti-lock brakes)
• Mature riders
• Safety first
• Driving history discounts
• Multicar discount
• Membership and employee discounts

It’s a solid arsenal for users to enjoy. But yet, it is just a standard selection, although it’s still comprehensive.

As we already mentioned, another perk of GEICO’s auto insurance in Kentucky is its tech availability. Someone signed up with GEICO can handle all matters related to their insurance without visiting its physical establishments. GEICO’s app is the most powerful on the car insurance market. It’s the company’s main selling point praised in many GEICO reviews. However, this emphasis on virtual use stands in stark contrast to the somewhat lacking opportunities for in-person interaction with local agents.

Cheapest Car Insurance in Kentucky (By City)

Having taken a look at the best overall car insurers in Kentucky, let’s get a little more specific. We’ll examine the best insurers in a few key cities of the Bluegrass State.

To get these estimates, we have asked for quotes from the most prominent companies offering their services in these cities. The quotes we received fit the typical 30-year-old male driver with a spotless driving record driving a 2012 Honda Accord.

Kentucky Auto Insurance Laws And Regulations

Now that you’ve got a good idea of who provides good car insurance in the Bluegrass State: let’s talk law. As a driver in Kentucky, you should understand and abide by the state’s car insurance regulations.

We’ll cover a few key topics you must know before hitting the Kentucky roads. It entails minimum car insurance requirements, SR22 laws, and price optimization, among other things.

Kentucky Automobile Insurance Plan (KAIP)

Kentucky has a car insurance plan, but the KAIP program doesn’t handle claims. To qualify for KAIP, you have to:

• Provide proof you’ve been refused vehicle insurance up to 60 days before the application
• Give a premium deposit
• Have a driving license (active, suspended, or revoked)
• Keep residence in Kentucky
• Prove the vehicle you want to insure has Kentucky registration

Should you find a better deal than what KAIP provides for you, you can cancel your policy. Moreover, KAIP will reimburse you for the unused remainder of your premium.

Minimum Kentucky Auto Insurance Requirements 

Here’s the minimum Kentucky law requires of your coverage:

• $25,000 per person for liability coverage (bodily injury)
• $50,000 per accident, liability coverage
• $25,000 per accident for property damage

A driver’s car insurance has to include all the basic reparations benefits. Motorcycle insurance is the only exception to that rule.

Price Optimization in Kentucky

For those who don’t know, price optimization is the practice of insurers hiking your prices based on data like online behavior or the educational stage. Your premium could grow without you even being aware of why it’s happening.

Kentucky car insurance laws don’t prohibit price optimization, and state officials haven’t voiced their opinion on the practice. 

So, as regulation is still not in sight, it’s up to the individual to safeguard against price optimization. The best way to do so is to shop around for quotes. Your insurer’s data tracking will notice your interest in their competitor and likely won’t dare raise your premium.

SR22 Insurance in Kentucky

The laws on automobile insurance in Kentucky don’t demand that drivers carry SR22 insurance. Therefore, you aren’t required to present an SR22 document, even if you have something like a DUI case on your record.

But if you’ve been found guilty of DIU, you can find yourself liable to a range of penalties, including:

• Up to 12 months in prison
• Community labor lasting up to 12 months
• Fine of up to $1,000
• License suspension of up to 36 months
• Enrolling the Ignition Interlock Device Program

Cheap Car Insurance in KY for New Residents

Newcomers to Kentucky need to obtain a driving license in 30 days. To do so, they need to satisfy the following criteria:

• Provide your social security card and out-of-state license to the Circuit Court Clerk’s office (photocopies are not accepted). 
• Present a School Compliance Verification Form signed by your former, out-of-state school (if you’re under 18).
• Transfer your permit to Kentucky before applying.

Kentucky No-Fault Laws

This state is a no-fault car insurance state. Kentucky auto accident laws allow drivers in an accident to file a claim for medical and property expenses with their own company. All involved parties get benefits from their insurer, whether or not they’re responsible for the accident.

Lost wages, medical expenses, and other liabilities get paid through the Personal Injury Program (often abbreviated to PIP). The most basic PIP covers up to $10,000 in lost wages, medical expenses, and survivor’s benefits.

How to Get The Best Auto Insurance in KY

We all want the best yet cheapest deal possible. That isn’t easy to pull off, but we have a few tips to improve your odds. With the below advice, you’ll considerably boost the likelihood of striking that perfect balance between affordability and quality. 

Check Auto Insurance Reviews

When an insurer states they’re the best bar none, don’t just take their word for it. Better see what other people, laypeople, and experts alike, have to say.

Reviews for car insurance companies in Kentucky give you a more accurate insight into how good certain insurers are. So don’t commit to any decision before thoroughly sifting through reviews.

Be sure to check out multiple reviews of the same companies. Some reviewers tend to be biased for one reason or another. It is why it’s vital not to rely on a single review, as you could be reading information skewed to favor a specific insurer.

Compare Car Insurance Quotes in KY

In case you found a car insurance provider that reviews praise to high heaven. But even if the company provides fantastic service, it doesn’t mean it’s the best for you.

Luckily, you can check if a company suits your profile by asking for a quote. Get as many quotes as possible for a more accurate prediction of what an insurer would charge you.

There’s no reason not to shop around for free quotes from other companies, too. Feel free to take as many auto insurance quotes in KY as you need.

Determine Who Provides the Best Discounts

Discounts can considerably lower your premium given the right circumstances. If you’re eligible, you can pick policies that make a previously expensive premium almost trivially cheap.

So don’t make the mistake of ignoring discounts when searching for the right car insurance company for your needs. 

Carefully examine the discounts insurers offer and find the terms under which you can be eligible for them. For example, some discounts apply only to drivers with solid KY driving records.

Once you’ve parsed out what discounts agree with your needs and which ones you’re eligible for, you should decide whether said discounts outweigh any potential downsides of the company that provides them. If they do, then you’ve probably found the ideal insurer for you. If not, then you’d be better off taking your business to another company.

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