Like most states, Kentucky requires drivers to have auto insurance. Not only will you have to provide proof of insurance if the police pull you over, but you’ll also need it when you register your vehicle. If you fail to provide proof of insurance coverage, the punishments can be severe. They might include a canceled registration, a suspended license, and massive fines. It could even result in up to 90 days in jail.

Having insurance on your vehicle is a necessity if you want to drive in Kentucky. If you’re looking for affordable car insurance in Kentucky, make sure it fits the legal minimum requirements before you solidify your plan. The three minimum requirements are: 

  • $25,000 worth of coverage for injury or death of someone in the accident
  • $50,000 worth of coverage for two or more people injured or killed in an accident
  • $25,000 worth of property damage coverage

What Makes Car Insurance In Kentucky So Expensive?

Unfortunately, auto insurance in Kentucky is some of the most expensive in the country. WDRB News reports that Louisville ranks as the eighth most expensive city in the nation for car insurance. The average annual premium in Kentucky will cost drivers $3,000 a year. This high price is partially due to the fact that Kentucky is a “no-fault” state. This makes coverage more expensive for the insurance companies, which in turn makes it more expensive for drivers. Additionally, in Kentucky, the rate of traffic deaths and auto thefts is higher than average. Both of these statistics raise insurance premiums.

Fortunately, this doesn’t mean that there isn’t affordable auto insurance available in Kentucky. This does mean, however, that drivers will need to research and shop around for the best rates. If you are looking for the most affordable car insurance in Kentucky, you can start by comparing prices from multiple companies, including the 10 local and national insurance providers we have listed below. In addition to comparing prices, you should look for discount opportunities, too. These include discounts for military service, as well as reduced rates for those who haven’t had an accident in a long time.

Top 10 Providers of Cheap Car Insurance in Kentucky

Don’t believe the ads; no single company has the lowest rates. The cost of car insurance will vary based on your age, vehicle, and driving record. You’ll need to shop around to find the best deal for you. When looking at different insurance providers, keep three important factors top of mind: affordability, personalization, and customer service. While all insurance providers will offer plans that cover the basics, not all insurance providers offer deals on extra coverage. Look for the insurance provider that gives you the best value for your money, and most importantly, don’t compromise on quality.

To start your search, here is a list of the 10 most affordable insurance providers in Kentucky. This list includes both independent agents and national providers.

Family Select Insurance 

Family Select Insurance

Since 1983, Family Select Insurance has grown to be a reputable insurance provider in Louisville, Kentucky. By being an independent insurance provider, Family Select Insurance sets themselves apart from other big name insurance providers, such as Allstate and State Farm. As a result, this independence is what allows Family Select Insurance to offer a “comprehensive suite of insurance solutions.” With over 100 reviews on Google and a 4.7 rating, this Louisville insurance company has an outstanding reputation. Among other comments, reviewers praised the fact that Family Select helped them find lower prices on auto insurance, all in a matter of minutes.

At Family Select Insurance, agents will help you pick the plan that best suits your needs. This insurance provider stresses the importance of knowing all of the potential risks when driving. By offering coverage that will protect you—and those around you—Family Select Insurance will give you the comfort and security you need to drive peacefully. Additionally, Family Select Insurance offers benefits that are useful for everyday tasks. For example, policyholders can also access the client portal. Here, you have 24/7 access to make online payments, review your policy, make requests to change your policy, report claims, and provide feedback. Additionally, you can request a new auto ID card. If you’re interested in starting a policy with Family Select Insurance, you can request a quote online or by phone.

Pros
  • Policyholders have 24/7 access to a client portal
  • They can do a lot of comparison shopping for you by looking at various insurance providers and finding you the best deal possible
  • The friendly team works quickly and can help you bundle other insurance types to save even more
Cons
  • There are some complaints about using their online quote system, so you may be better off speaking to them over the phone

Independent Agents of Kentucky

Independent Agents of Kentucky

For the last 37 years, Independent Agents of Kentucky has worked to find Kentucky drivers affordable car insurance. It is located in Louisville. Because these are independent agents, they won’t try to push one insurance provider on you. Instead, the agents will help you search for the best deals and ways to bring down your premiums. With Independent Agents of Kentucky, you are not just another customer. Part of their superb customer service is getting to know you and your needs. Because they are not tied to a specific insurance provider, they will genuinely help you find coverage that meets your requirements and budget.

To help with the process, Independent Agents of Kentucky work with a number of local and national insurance providers, such as Progressive, MetLife, Erie Insurance, and State Auto. Additionally, if you’re already a customer with one of the companies Independent Agents of Kentucky works with, you can also provide your account information to manage your account. 

The website for Independent Agents of Kentucky makes getting started quick and easy. Not only is there a blog where you can read about insurance-related news and tips, but you can also get a free quote and fill out a service request form. Independent Agents of Kentucky can help you find insurance for your car, RV, motorcycle, and more. This agency takes pride in being local community members that want to make a difference in people’s lives. The agents are experts in hunting the best deals. If you’re new to finding insurance and are not sure where to get started, Independent Agents of Kentucky is a great place to start.

Pros
  • You can get a no-obligation quote from them in a few minutes over the phone or through their online service
  • The staff takes the time to talk to clients about their insurance needs to find the best product at the best price
Cons
  • Some customers may prefer to work one-on-one with an insurance provider

Kentucky Farm Bureau

Kentucky Farm Bureau

Kentucky Farm Bureau is a long-trusted insurance provider. In fact, it has been serving Kentucky drivers since 1943. Although Kentucky Farm Bureau is headquartered in in Louisville, you have the option to find local agents all over the state, including in Lexington and Murray. With its excellent customer service rating, Kentucky Farm Bureau can compete with the biggest national companies. Self-described as the “Voice of Agriculture,” Kentucky Farm Bureau is dedicated to helping communities thrive—and part of that is providing affordable and dependable auto insurance. 

Don’t worry—you don’t have to own or work on a farm to use its insurance services. Kentucky Farm Bureau doesn’t just care about farmers. They care about rural communities. With its auto insurance options, you can receive auto liability coverage and auto physical damage coverage. You also have the option to make additions, such as coverage for medical payments, towing and labor costs, and rental reimbursement.

Good insurance providers are helpful when it comes to saving money. With Kentucky Farm Bureau, there are several ways that you can lower the cost of insurance. For instance, if you are a full-time student who has at least a B average, you can receive a discounted premium. Additionally, customers over the age of 55 have the option to take a defensive driving course to lower their costs, too. Kentucky Farm Bureau also provides multi-vehicle discounts, auto safety device discounts, and a school bus driver discount. Insurance providers that understand the financial concerns of their customers are valuable. If you’re looking for a provider that keeps their customers’ best interest, consider Kentucky Farm Bureau.

Pros
  • They have reasonable rates for minimum coverage and new drivers
  • They are often competitive with even the biggest national insurance providers
Cons
  • They don’t provide many specialist coverage options, so this is best if you need more straightforward coverage options

State Farm

State Farm

State Farm is nationally recognized as one of the best insurance providers in the United States. Although it’s proven to be reliable and dependable, it’s not known for its affordability. However, if you have enough room in your budget and are looking for high dependability and protection, State Farm is a great choice for you. You’ll find State Farm insurance agents all over Kentucky, from Tracey Davis in Fort Thomas, Kentucky, to Justin Mays down in Middlesboro, Kentucky. It’s a good sign that most of them are very highly reviewed, too.

State Farm is a reliable insurance company, but they aren’t often the most affordable option for Kentucky drivers. If you’re looking for as much coverage as possible, State Farm has some of the most extensive coverage in the industry. With options like rideshare insurance—for those who use their personal car to drive with Uber or Lyft—and rental insurance, State Farm offers unique policies that will fit even the most unique needs. State Farm is also a great option if you are looking for good insurance for a teenager in your family.

Whether the teen driver has his or her own car, or borrows yours often, it’s important that they are insured before driving. Because teens are high-risk drivers, insurance for them can be pricey. At State Farm, there are several ways that you can save money on premiums. If your teen driver gets good grades, you can save money with the good student discount. Additionally, Its two programs, Steer Clear and Drive Save & Save, reward policyholders for good driving and help lower the cost of premiums. 

Pros
  • They often provide the cheapest rates to drivers who have had a DUI
  • This is a highly trusted national insurance company that offers discounts when you bundle your insurance with them
Cons
  • This company can be a pricier option for drivers with clean driving records, as well as for new drivers

Louisville Kentucky Insurance

Louisville Kentucky Insurance

Another independent insurance provider, Louisville Kentucky Insurance, is an agency that you will find easy to work with. This agency takes its time with clients to explain how insurance works and how to find the best deals, which is great for first-time auto insurance seekers. Louisville Kentucky Insurance works with both local and national insurance providers to help you get the best policy for you. Some of these insurance providers include Progressive, AAA, Grange Insurance, and Liberty Mutual. To get started, you can meet with one of the three Louisville Kentucky Insurance agents: Travis Cronin, Judy Cronin, and Craig Cronin.

The Louisville Kentucky Insurance website does an outstanding job of breaking down all of the important aspects of car insurance, including the variables that determine your rate. These factors include age, driving history, credit score, and more. Features like these showcase this company’s expertise in the industry. If you’re new to buying auto insurance, you’ll want to work with a company that doesn’t leave any details out, and that is not only willing to help you, but also teach you.

Pros
  • They do some of the work of shopping around for you with providers such as Travelers, Safeco, and Liberty Mutual
Cons
  • While they are independent, they can’t give you quotes on every insurance provider
  • You could be missing out on a deal

USAA

USAA

Military service can often get you a discount on your insurance, but USAA takes that a step further. They are an insurance company designed exclusively for those who are serving or have previously served in the military. Many of their family members can get coverage, too, even if they aren’t in the armed forces. As a result, if this requirement doesn’t apply to you, you cannot become a policyholder at USAA. Because USAA is deeply ingrained in the military community, its sole purpose is to help those in need. When you join USAA as a policyholder, you join an insurance provider that is completely dedicated to you and your family. Customer service is of the utmost importance to USAA. If you’re looking for an insurance provider that will not leave your side, and you qualify to join, USAA is a great option to consider.

Not only does USAA provide all of these services, but they also want to make sure that you’re knowledgeable about the importance of insurance. The USAA website contains an advice section where it publishes articles about owning a home, being in the military, saving for emergency situations, and more. This is an excellent tool that is accessible to everybody, not just policyholders. This level of service exemplifies the kind of customer support that USAA provides. It’s not just about having a homeowners insurance policy. It’s about learning how to make smart decisions, which often lead to decreasing your risks and claims.

Pros
  • If you have military ties, you can get a lower rate that is usually far below the national average
  • Accident forgiveness is free if your household doesn’t make a claim for five years
Cons
  • These low quotes won’t be available to everyone

Reynolds Insurance Group

Reynolds Insurance Group

Reynolds Insurance Group is a Louisville company that is 100% independent. At this agency, you can get quotes from various insurance providers, both local and national, to see where you’ll get the best deal. This is what makes Reynolds Insurance Group stand apart from the rest. When you work with this agency, you know that your best interests are being kept at heart. The friendly team also goes through the fine print for you, so you know exactly what coverage you are getting with your policy. The Reynolds Insurance Group website is very easy to navigate, and it gives you all the details that you need before you meet with an agent. Additionally, you can take part in a referral program, in which you can receive rewards for referring customers to Reynolds Insurance Group.

Pros
  • You’ll have access to a wide range of policies to help you find the best one
  • The agents can offer objective advice on the kind of policy you really need
Cons
  • The small staff isn’t always immediately available when you need help

Old Kentucky Insurance

Old Kentucky Insurance

Located in Louisville, Old Kentucky Insurance is an independent insurance agency that works with more than 50 insurance providers. Because of this, agents can go in-depth when it comes to getting you a quote on your auto insurance. By having access to top insurance providers, agents at Old Kentucky Insurance can walk you through as many options as possible until you find the perfect fit for your needs. Additionally, this company is well known for its customer service and professionalism. The team is very responsive, and the agents are true experts when it comes to insurance. You can rely on their advice and guidance without fearing that they are leading you in the wrong direction.

Additionally, the Old Kentucky Insurance website is very helpful to new customers, as it goes into great detail about car insurance and why it is important to have the best coverage. If you’re looking to work with a company that won’t stray away from your best interests, Old Kentucky Insurance is a great place to start your search for auto insurance.

Pros
  • They work with more than 50 insurance providers, so you’ll get quotes from more than the big five brands
  • The agency has more than 40 decades of experience in the insurance business
Cons
  • The website is a little clunky and packed with so much information that it can be tough to navigate

Geico

GEICO

National insurance provider Geico is well known for its low insurance rates. However, as with most insurance providers, those rates can skyrocket as soon as you have an accident. For more than 75 years, Geico has marketed itself as the go-to insurance provider for affordable coverage. As part of Geico’s good customer service, the website provides an extensive explanation of the type of coverage it offers. This allows you to look at the offers in advance, before meeting with a Geico agent—and if you’re new to car insurance, this feature gives you a great opportunity to learn more before you get started. By breaking down state requirements, how much insurance you need, and why auto insurance is important, Geico gives you a full-picture view of where to begin. 

For auto insurance, Geico provides various options for coverage. Customers who solely need insurance that meets the legal requirement can opt for a standard policy. However, for those customers who are looking for extra protection, Geico offers plenty of additional options. If they choose, customers can add on roadside assistance, rental reimbursement, and mechanical breakdown insurance. In addition there are plenty of ways to save money with Geico. It’s expansive discount program offers deals to customers in the military, federal employees, students, and people who are 50 years or older. If you want to take a closer look at Geico, connect with one of the local Geico insurance agents in Kentucky, such as David Saab in Lexington or Matt Worley in Louisville.

Pros
  • This is one of the better options for drivers with poor credit
  • Everything happens online, so it’s great if you prefer technology to in-person interaction
Cons
  • Insurance rates will go up dramatically once you make a claim

Progressive

PROGRESSIVE

Progressive is a national insurance provider, but you can find a local Kentucky agent to help you get a quote. You can meet with local Progressive insurance agents all over Kentucky, including in Frankfort, Shelbyville, and Owensboro. As a highly reputable insurance provider, Progressive offers competitive rates for good drivers and various other ways to save money. According to some customer reviews, Progressive has had a bad reputation for customer service. If you have a claim, prepare to be on the phone for a while and follow up a few times. If you don’t mind that, Progressive could be a good option for affordable car insurance in Kentucky. Progressive offers many great features, such as large-accident forgiveness. With this, if you have been a Progressive customer with a clean driving record for the last five years, your insurance rate will not go up if you get into an accident.

If you want to try your best to stick to a particular budget, Progressive has several options for you. Progressive often markets its Name Your Price Tool. This free tool allows you to determine the best Prorgressive insurance coverage for you in three simple steps: get a quote, name your price, and discover a policy. When you name your price, you’re letting Progressive know how much you’re willing to spend. With that information, the Name Your Price Tool provides you with the plans that will best suit you. Additionally, on the Progressive website, you can compare auto insurance rates from other providers. This allows you to see which insurance providers will give you the best value. Progressive also offers ways to save money on premiums, such as bundling your auto and property insurance, driving well, and getting good grades. Although it’s received some bad reviews for customer service, Progressive is still a great choice for drivers who are looking for dependability and security.

Pros
  • This is often the least expensive insurance agency for those with a clean driving record
  • The deep discounts for good drivers can really bring down your premiums
Cons
  • Their customer service has a bad reputation, so beware if you put a high value on that

Cheapest Car Insurance in Lexington-Fayette

We took the time to call 12 different local insurance agencies in the Lexington-Fayette area to figure out which ones had access to the lowest prices. We used a hypothetical profile of a married male driver 35 years of age. Here were the five most affordable options in the Lexington-Fayette area ranked by the lowest rates offered based on our findings.

Cambridge Insurance

Cambridge Insurance is an independent insurance provider that works with big names like Progressive, State Auto, and Grange Insurance. To get started, you talk with one of Cambridge Insurance’s three agents: Jeremy Blair, Rob Buchanan, and John Moody.

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Shelter Insurance

Shelter Insurance provides insurance all over Kentucky and has 10 local agents that you can reach out to in the Lexington-Fayette area, including Terry Wolfe, H. Gene Young, Dawan Hart, and Gordon Smith.

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Sullivan Insurance Agency

Sullivan Insurance Agency is an independent insurance agency that values giving their customers as many insurance options as possible. Work with one of their independent agents to find the best deals and coverage.

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Lexington Insurance Agency

Founded in 1952, Lexington Insurance Agency is an independent insurance agency that is part of the Keystone Insurers Group. At Lexington Insurance Agency, you can request quotes for auto insurance, health insurance, and more. You can also browse through the companies that they work with, including The Guardian and American Modern Insurance.

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Heritage Insurance Agency

Heritage Insurance Agency is an independent insurance agency that services Kentucky drivers in Lexington, Georgetown, Nicholasville, and Versailles. In addition to auto insurance, you can also get business, life, and home insurance. Check out Heritage Insurance Agency with its option to receive a free quote.

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Cheapest Car Insurance in Louisville/Jefferson County

Similarly, we phoned in 14 local car insurance agencies in Louisville, KY and the rest of Jefferson county and got car insurance quotes for a a 24 year old unmarried woman. We list those local providers who quoted us the lowest rates below. Keep in mind that your rate may vary based on your driving record and other factors. In addition to the Louis providers mentioned above, here are five more options to find cheap car insurance in Louisville/Jefferson County.

Hyland

Hyland offers both insurance and financial services. Customers can fill out a contact form to get in touch with one of Hyland’s agents and get started with finding the best insurance option for them. Because Hyland is an independent agency, customers will have plenty of affordable options to choose from.

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Main Street Insurance Services, Inc.

This Louisville-Based independent insurance agency is part of The Boles Insurance Group, LLC. This is a small agency that will work with you to find the best insurance provider that fits your needs. To get started, fill out the contact form and set up an appointment with an agent.

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Joe Maupin Insurance Agency, Inc.

Joe Maupin Insurance Agency provides Kentucky drivers with affordable personal, auto, home, and business insurance options. At this agency, the highest priority is providing excellent customer services. If you’re interested in this agency, you can visit the Louisville office or call to set up an appointment with one of its agents.

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Jecker and Edelen Insurance Agency, LLC.

Jecker and Edelen is an independent insurance agency that is dedicated to finding its customers the most affordable insurance policies. Located in Louisville, Jecker and Edelen allows you to choose between one of the many insurance companies it works with, including AAA and MetLife.

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Reeves Insurance Agency

Reeves Insurance Agency is a well-established Louisville insurance agency. Prospective customers can request quotes for a variety of insurance products, including auto, dental, and flood. Reeves Insurance Agency prides itself on its customer services and even welcomes Spanish speakers.

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How to Compare Providers to Find Affordable Car Insurance in Kentucky

Getting insurance is crucial for Kentucky drivers. Getting the right insurance, though, can be even more important. You’ll need to make sure you are getting the right coverage for your vehicle while also getting the cheapest car insurance in Kentucky. Whether you decide to work with an independent agent or go with a big national company, make sure you shop around. Prices vary wildly from one company to the next, so you never know who might have the best deal. Start with the companies on this list, and you are sure to find the insurance you need at a price you can afford. 

Finding the perfect car insurance provider is not easy—no matter how long you’ve been driving. Whether you’re starting your first insurance policy or looking to switch to a new provider, it’s easy to get lost in the numerous coverage options and pricing when doing research. A good insurance provider will not only offer a breakdown of pricing, basic coverage, and optional add-ons, but it will also describe its philosophy, culture, and purpose. 

To help get you started, we’ve narrowed down the research process to three important factors: affordability, personalization, and customer service. These are not the only factors to consider when looking for an insurance provider, but they are important to keep top of mind. In the end, the most important thing that you want to get out of your insurance provider is value. The cost of car insurance can add up quickly, but when you have a provider whose coverage makes you feel safe, secure, and protected, the value is irreplaceable.  

When researching different insurance providers, keep these three factors top of mind. 

Find an Insurance Provider that Prioritizes Affordability

In Ohio, there are many options for dependable car insurance providers, but they might not all be affordable. The law requires that all drivers be insured, so this is not an expense that you can simply cut out. However, you can find an insurance provider that not only offers good rates, but that actively tries to help you find ways to save money. 

For instance, many insurance providers offer reduced premiums and rates to those who have good driving records, excel academically, have zero dependents, or have multiple insurance policies in place. Additionally, some insurance providers offer to lock your rate—no matter what. Knowing that your rate will not unexpectedly increase provides a feeling of true financial security. Finding an insurance provider that offers options like these will save you money in the long run. Don’t settle for providers that don’t stress the importance of affordability. 

Personalize Your Car Insurance Policy to Cover Your Needs

As a consumer, it’s important to find an insurance provider that understands you as an individual. Not one insurance policy meets the needs of all drivers. That’s why it is important to select an insurance provider that is not only dependable and affordable, but also flexible. Insurance providers should offer basic plans that meet all legal requirements. However, if you are looking for extra coverage to feel more protected, find an insurance provider that offers an abundance of optional add-ons. 

These options are there if you need them, but are not required. For instance, many insurance providers offer roadside assistance, as well as the coverage for towing and labor. Other examples of add-ons include umbrella coverage and  coverage for loan or lease gaps. The policy and coverage that you choose should represent your needs, and the agents you work with should help you pick the right coverage every step of the way. When it comes to feeling secure, nothing is more important than having a reliable insurance provider that prepares you for life’s greatest curveballs. 

Insurance Providers With Good Customer Service Are Invaluable

With car insurance, customer service is not something that you want to compromise on—no matter the affordability. Insurance can be a scary and challenging topic. Imagine having a collision and not knowing the first step to take with your insurance provider. Even worse, imagine not ever getting the answers you need. That’s why it is important that the insurance provider that you choose offers superb customer service. When you have an emergency, you want to be sure that your insurance provider, its agents, and its employees are there to help you. Whether it’s reporting a claim, making a payment, or reviewing your policy, your insurance provider should be willing to provide guidance on any matter. Part of great customer service involves answering questions, providing solutions, and offering advice. When looking for an insurance provider, ask around and read credible customer reviews to determine whether the customer service meets your standards.