Cheap Car Insurance in Kentucky
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Kentucky Car Insurance Minimums
Kentucky requires all drivers to carry minimum liability insurance. Here are the state-mandated minimums:
Bodily Injury (per person)
$25,000
Bodily Injury (per accident)
$50,000
Property Damage
$25,000
- Personal injury protection (PIP): $10,000
Choice no-fault state.
Source: KRS 304.39-060; KRS 304.39-110; KRS 304.20-020; KRS 304.39-320, verified 2026-09-01.
What drives car insurance rates in Kentucky
Average spend per insured vehicle, 2023
$1,046
Kentucky drivers spent $1,046 per insured vehicle on liability, collision and comprehensive in 2023, against $1,282 nationally.
Claims paid per premium dollar, 2023
75.9¢
Auto insurers in Kentucky paid 75.9 cents in claims for every premium dollar in 2023; the median state was 72 cents.
Traffic deaths per 100 million miles, 2024
1.44
Kentucky recorded 707 traffic deaths in 2024, 1.44 per 100 million vehicle miles against 1.19 nationally. Injury claims follow crash severity.
Vehicle thefts per 100,000 residents, 2025
191.6
Kentucky reported 8,828 motor vehicle thefts in 2025, 191.6 per 100,000 residents, from 226.2 the year before. Theft claims are paid under comprehensive coverage.
Natural-hazard loss rank
#23
FEMA ranks Kentucky #23 of 51 for expected annual loss from natural hazards; flood accounts for 54% of that loss, and comprehensive coverage is what pays for flood damage.
- Average spend per insured vehicle, 2023: NAIC Auto Insurance Database Report, 2023 data
- Claims paid per premium dollar, 2023: NAIC Profitability by Line by State, 2023
- Traffic deaths per 100 million miles, 2024: NHTSA Fatality Analysis Reporting System, 2024
- Vehicle thefts per 100,000 residents, 2025: FBI Crime in the United States, 2025
- Natural-hazard loss rank: FEMA National Risk Index
Largest auto insurers in Kentucky
The ten insurer groups that wrote the most auto premium in Kentucky in 2025, with their share of the state total of $4.3 billion.
| # | Insurer group | Market share | Premiums written |
|---|---|---|---|
| 1 | State Farm Group | 23.99% | $1.0 billion |
| 2 | Kentucky Farm Bureau Group | 20.15% | $871 million |
| 3 | Progressive Group | 18.43% | $796 million |
| 4 | Allstate Insurance Group | 6.6% | $285 million |
| 5 | Berkshire Hathaway Group | 4.65% | $201 million |
| 6 | United Services Automobile Association Group | 4.5% | $194 million |
| 7 | Liberty Mutual Group | 4.46% | $193 million |
| 8 | Erie Insurance Group | 3.84% | $166 million |
| 9 | Auto Owners Group | 1.94% | $84 million |
| 10 | Shelter Insurance Group | 1.78% | $77 million |
Source: NAIC Market Share Reports, 2025 data, direct premiums written by insurer group. GEICO writes inside Berkshire Hathaway Group. Ranking is market commentary; it says nothing about which carriers a quote comparison includes.
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