It’s important to shop around when looking for cheap Kentucky auto insurance. Rates for a single policy can change dramatically from one company to the next, so consumers benefit from comparing as many estimates as possible.
To make things easier, Im has done the homework for you. We researched rates from the seven largest insurers in the state and found the three cheapest options for the following driver types:
The average for good drivers among the three cheapest companies was $1,588 per year. State Farm notched the lowest average estimate at $1,467 a year. The company has a superior financial strength rating from industry reviewer A.M. Best and offers a wide variety of coverages and discounts. Kentucky Farm Bureau was the next closest competitor at $1,571 a year. Though more limited than national insurers like State Farm or Geico with regard to discounts and service area, Kentucky Farm Bureau provides personal service from fellow Kentuckians, plus member benefits such as deals at local merchants, which could make a difference to shoppers.
Drivers in their early 20s can typically get by with leaner policies than older motorists, who tend to have families and more assets to cover. The result is comparatively affordable Kentucky auto insurance. Geico led the field in our test with average rates of $899 a year. That’s actually about $47 a month less than the cheapest average quote we found for older good drivers who have more coverage.
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