The Best Auto Insurance in Kentucky

USAA is known across the country for its competitive auto insurance rates and protective policies for military members and their families. You can save by bundling policies, maintaining a clean driving record, and demonstrating safe driving through USAA’s safe driving program, SafePilot.

SafePilot Driving Program

Drivers in Kentucky are eligible to participate in USAA’s safe driving program, SafePilot. SafePilot rewards customers who demonstrate safety behind the wheel. You’ll receive a 10 percent discount just for enrolling, after which you’ll download the SafePilot app and begin driving to receive a discount of up to 30 percent. The app is available for download on both the Google Play Store and the Apple Store.

Roadside Assistance

Whether you need car towing or fuel delivery, USAA’s roadside assistance protects you in the event of an emergency. You can request roadside service either online or through the USAA mobile app.

If you have roadside assistance coverage added to your policy but have already paid for assistance out of pocket, USAA will reimburse you. All you need to do is submit your expenses to the reimbursement form on USAA’s website.

Accident Forgiveness

Diving history is a major factor in car insurance rates, which is why rates generally increase after an at-fault accident. Certain factors also contribute to increased rates after accidents, such as a history of traffic violations or multiple accidents within a short period of time.

Like Travelers, USAA offers a way to prevent your premium from increasing after your first at-fault accident. If you previously remained accident-free for five consecutive years, you’ll qualify for USAA’s free accident forgiveness policy, and USAA will add it to your policy automatically. If you do not qualify for free accident forgiveness, you can add it to your policy as optional coverage. It’s important to note that USAA’s free accident forgiveness is per policy rather than per driver.

As a leading insurance company across the country, Allstate offers comprehensive auto insurance plans for a diverse customer base, along with many ways to save. Since Allstate offers plenty of insurance products in addition to auto insurance, many customers find great savings when they bundle their Allstate policies. For example, drivers in Kentucky who buy and bundle policies with Allstate save up to 25 percent.

Financial Strength

Financial strength is important because it indicates that an insurance company has the resources to pay claims, even in times of economic stress or during large-scale disasters. Allstate holds high ratings from multiple third-party organizations that measure financial strength.

Strong Digital Tools

With Allstate’s mobile app, you can manage your policy, payments and other account details from your smartphone. You can also manage your Drivewise discount in the app if you choose to enroll in Allstate’s telematics discount program.

Allstate also fared well in the J.D. Power Digital Experience Study, in both the Shopping and Service categories.³ Its high score indicates that customers are satisfied with its online account management and quote tool, as well as with its app. This aligns with our editor’s seamless experience when getting an online quote.

USAA also has a strong score, despite being technically ineligible for the study due to its membership requirements.

Many Local Agents

Allstate is also a good option for those who prefer to work with an agent rather than purchase and manage their policies online. Like State Farm, Allstate uses a large network of local agents to sell and manage policies, including in the following Kentucky cities and towns:

• Ashland
• Bardstown
• Bowling Green
• Burlington
• Corbin
• Covington
• Crestwood
• Dry Ridge
• Elizabethtown
• Florence
• Frankfort
• Georgetown
• Gilbertsville
• Hebron
• Henderson
• Highland Heights
• Hopkinsville
• Horse Cave
• Independence
• La Grange
• Lexington
• London
• Louisville
• Maysville
• Mount Sterling
• Murray
• Nicholasville
• Owensboro
• Paducah
• Pikeville
• Powderly
• Prospect
• Richmond
• St. Matthews
• Shelbyville
• Shepherdsville
• Somerset
• Wilder
• Winchester

Additionally, Allstate has an A+ rating with the Better Business Bureau (BBB), representing the company’s responsiveness to customers’ complaints.

State Farm offers a range of auto insurance policies that meet the needs of Kentucky drivers, and it is committed to providing reliable and prompt service. With its vast collection of coverage options, discounts, and flexible pricing plans, new State Farm customers in Kentucky have been able to save an average of $50 a month on their auto insurance.⁴

Affordable Rates for Drivers with Accidents

In 2022, Kentucky reported over 108,700 traffic collisions.⁵ Drivers who were recently in an at-fault accident are almost certain to see a significant rise in their premiums. On average, drivers in Kentucky can expect to pay $3,183 a year for their insurance following an at-fault accident. That’s over $730 more than the statewide average for a driver with a clean record.

Like Direct Auto, State Farm offers some of the more affordable rates for at-fault drivers. On average, a policy from State Farm for an at-fault driver costs $2,024 annually. In other words, even with an at-fault accident, with State Farm you may still pay less than the statewide average for full coverage with a clean record.

For those with or without clean driving records, State Farm provides many opportunities for policyholders to save on their yearly premiums.

Good Bundling Discount

State Farm’s collection of insurance products allows customers to bundle policies and save on their yearly premiums. Like Travelers, State Farm offers a wide selection of policy types for Kentucky drivers:

• Motorcycle
• Boat
• Off-road vehicle (like an ATV)
• Motorhome
• Travel trailer
• Home
• Condominium
• Renters

Large Network of Local Agents

Working with a local agent can offer many benefits, including more localized knowledge and the ability to advise on the best policy options for you. State Farm has a wide network of local agents in Kentucky, with agents in 126 cities out of the state’s total of 419 cities. Some of those cities are listed below:

• Alexandria
• Ashland
• Barbourville
• Bardstown
• Beaver Dam
• Benton
• Berea
• Bowling Green
• Brandenburg
• Brownsville
• Burkesville
• Burlington
• Cadiz
• Calvert City
• Campbellsville
• Carrollton
• Central City
• Cold Spring
• Columbia
• Corbin
• Covington

Travelers provides some of the most flexible and comprehensive coverage options in Kentucky at lower-than-average rates. It also offers coverage types you won’t find with every provider, including gap insurance, new-car replacement, accident forgiveness and non-owners insurance.

Cheap Rates in Kentucky

Along with USAA, Travelers offers some of the lowest rates for drivers in Kentucky. On average, full coverage from Travelers costs $1,702 annually, while minimum coverage costs $630. In both cases, these rates are significantly lower than the statewide averages of $2,444 and $881, respectively. USAA’s rates are the lowest, but because it’s available only to military members, veterans and their families, most Kentucky drivers on a budget will need to look elsewhere for their auto insurance.

Abundance of Coverage Options

Travelers stands out among our providers for its coverage offerings.

Other Types of Insurance

Like State Farm, Travelers offers a wide selection of policy types, which makes it a great option for drivers who are looking to bundle. Travelers provides discounts for drivers who want to bundle their home, condo or renters insurance with their auto insurance, and in some cases, drivers may receive additional savings for bundling their auto insurance with one of these policies:

• Condo insurance
• Boat/yacht insurance
• Landlord insurance
• Umbrella insurance
• Jewelry and valuable items insurance
• Wedding and events insurance
• Travel insurance
• Pet insurance
• Motorcycle insurance
• Flood insurance

Direct Auto specializes in insuring drivers with less-than-spotless driving histories. High-risk drivers in Kentucky who have struggled to find coverage elsewhere will likely be accepted by Direct Auto. Additionally, its wide range of discounts helps customers save up to 25 percent on their premiums.

Coverage for High-Risk Drivers

High-risk drivers can include those with a DUI, insurance lapses or other violations. Like most states, Kentucky also allows insurance companies to look at your credit score when determining rates, meaning low credit can also lead to a high-risk designation. Regardless of the state, high-risk drivers should expect their premiums to go up considerably.

Direct Auto is the only provider reviewed here that caters specifically to high-risk drivers, and it often insures drivers that other providers do not. Direct Auto doesn’t make its pricing data available, but its rates for high-risk drivers are known for being reasonable. It also offers an abundance of discounts so drivers can lower their premiums further.

Plentiful Discounts

Direct Auto offers various discounts for customers in Kentucky:

• Multivehicle: If you insure more than one vehicle with Direct Auto, you could save up to 25 percent on your yearly premium.
• Driver improvement course: Those who participate in driver improvement or defensive driving education courses to demonstrate safe driving skills save with Direct Auto.
• Homeowner: In addition to auto insurance, Direct Auto offers other insurance products, including homeowners insurance. You can bundle to save up to 15 percent on your insurance if you buy both homeowners and auto insurance with Direct Auto.
• Military: Active service members can save up to 25 percent on their auto insurance with Direct Auto.
• Safe driver: Those who have been accident-free for 36 months or longer can qualify for a discount of up to 10 percent.
• Good student: Full-time students who maintain a B average or higher or who consistently rank in the top 20 percent of their class may be eligible for a 10 percent discount. You must be unmarried to qualify.
• Senior: Drivers over 55 who have also completed an accident prevention course may save up to 5 percent on their policies.
• DynamicDrive (safe driving habits): Direct Auto customers can opt in to the DynamicDrive discount program, which awards discounts for safe driving habits. Customers can save up to 10 percent using DynamicDrive.
• Multiproduct: Drivers who add qualifying products — such as term life insurance, an emergency protection plan or roadside assistance — may save up to 5 percent.
• Prior coverage: Customers who have previously been with a different provider and have had less than a 90-day lapse in coverage may qualify for a discount of up to 25 percent.
• Welcome back: Direct Auto rewards its customers savings of up to 6 percent if they previously purchased an auto insurance policy with Direct Auto and at least six months have elapsed between the end of that policy and the start of their new coverage.
• Affinity: Members of affinity organizations partnered with Direct Auto can save 5 percent on their policies. Contact a Direct Auto agent for a full list of its affinity organizations.
• Preferred payment: Customers who opt for paperless billing, pay in full, or set up automatic digital payments may be eligible for a discount of up to 9 percent.
• Multipolicy: Those who purchase two or more qualifying policies from Direct Auto may save up to 10 percent.

Convenient Payment Options

Direct Auto lets you pay your bill in the way that works best for you. With Direct Auto, you’ll enjoy flexible payment schedules and various ways to pay, including the following methods:

• Online payments: To pay your bill online, you can either set up automatic payments with your credit or debit card, or make one-time payments using a credit card, debit card, or check.
• Phone payments: If you prefer to pay your bill over the phone, all you have to do is call 1-877-463-4732.