Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

Full Bio →

Written by

Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

Full Bio →

Reviewed by Joel Ohman
Founder & CFP®

UPDATED: May 25, 2020

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.

Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Here's what you need to know...

  • It’s important to get coverage that meets the minimum car insurance requirements for Kentucky while fitting your budget
  • Kentucky Farm Bureau is ranked number one in property and casualty insurance in the Commonwealth of Kentucky
  • Progressive’s website was named the number one insurance website for ease of use and customer satisfaction.
  • Many factors impact your car insurance rates in Kentucky
  • The average full coverage Kentucky car insurance rates are $78.21/mo or $938.51/yr

Whether you’re looking to insure your first car or home or are just shopping rates, it’s easy to get confused.

While the commercials can be entertaining and persuasive, it’s important to get coverage that meets the minimum car insurance requirements for Kentucky while fitting your budget.

Use our free ZIP code search above to compare car insurance quotes with our free comparison tool above!

Table of Contents

Best Kentucky Auto Insurance

When looking at insurance, one consideration is how much assistance you need during the quote process and, potentially, during the claims process.

Some companies, like Unitrin Direct and Geico, work primarily online or by phone, the advantage is that you can access information on your schedule or track claims online.

Others, like Kentucky National Insurance and Kentucky Farm Bureau, work through a network of agents. Others, like Travelers, offer a combination.

Here is a brief overview of some of the companies that offer the best deals on Kentucky car insurance:

– Kentucky National Insurance Company

The company is owned by Forcht Group, LLC based in Corbin, KY. Forcht group also owns one of Kentucky’s largest banks. All stockholders live in Kentucky. The insurance company is located in Lexington.

They provide auto, home, renters, watercraft, umbrella and other policies.Local service is provided by independent car insurance agents.

The agents are available to provide car insurance quotes based on a personal meeting and review of car insurance needs. Should you need to file a claim, the agent can come to you and maintain contact with the company.

While rated A (Exceptional) by Demotech for financial stability, it is rated a C- by A.M. Best. This is a rather poor rating and the lowest of the companies presented. It is accredited by the Better Business Bureau.

– Kentucky Farm Bureau Insurance

To purchase coverage from this company, the policyholder must be a member of the Kentucky Farm Bureau. This covers auto, motorcycle, home, farm, watercraft and other insurance to members.

It is ranked number one in property and casualty insurance in the Commonwealth of Kentucky.

Local car insurance claims resolution with the agent means that policyholders do not have to deal with a home office located in another city or another state. The Kentucky Farm Bureau has over 60 years in business and protects over 500,000 families.

It has been rated both A+ (Superior) by A.M. Best and A+ by Weiss Ratings/The Street.com, which is the leading consumer advocate in the property and casualty business.

Kentucky Growers Insurance Company

Founded in 1896, it is a mutual (policyholder-owned) property and casualty company that insurers in rural and suburban areas. The home office is located in Lexington.

They offer auto, farm, home, rental property and other property and casualty coverage.

KGIC is rated A+ (Excellent) by A.M. Best and A+ by the Better Business Bureau. Any quotes and car insurance policies are written by local agents.

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

 Secured with SHA-256 Encryption

Travelers’ Insurance

Travelers’ Insurance is a large property and casualty company located in Hartford, CT. They offer auto, home, life, health and other financial services to both individuals and businesses. This insurer’s logo is the familiar red umbrella.

Car insurance discounts are offered for bundling policies (i.e., auto and home), for insuring multiple vehicles and for owners of hybrid automobiles.

Quotes can be obtained on-line, over the phone or with an agent. Claims can be viewed online, so policy owners can track their claim through the entire process.

Geico

Famous for their gecko mascot, this insurer is a wholly owned subsidiary of Berkshire Hathaway which helmed by Warren Buffett.

Founded in 1936 as an insurer for government employees, it is headquartered in Chevy Chase, Maryland. It is now the third largest auto insurer in the United States.

Geico’s quotes can be obtained online or by phone 24/7/365. Aside from automobile and homeowners insurance, they offer the following coverage:

  • motorcycle
  • umbrella
  • flood
  • mobile home
  • many more

They are rated A++ (Superior) by A.M. Best. Claims can be filed and tracked on-line, and car insurance premiums can be paid online as well.

Liberty Mutual

Founded in 1912, the company is headquartered in Boston, Massachusetts. They are the third largest property and casualty carrier in the United States based on 2010 written net premium.

Aside from their BBB accreditation, they are rated A (Excellent) by A.M. Best.

Policies include auto, home, renters and condominium insurance as well as life insurance coverage. Competitive car insurance quotes can be obtained on-line or from an agent.

There are 400 offices across the United States so policyholders can get personal service if desired. Premiums can be paid by mail, on-line or by automatic withdrawal.

Unitrin Direct

Unitrin Direct is a part of Kemper Corporation, which counts over six million policyholders and over eight billion in assets. They sell direct to the customer by phone or on-line. There is no direct agent to assist, eliminating overhead.

Automobile and homeowners insurance are both offered. They are rated A- (excellent) by A.M. Best.

Progressive

Their website was named the number one insurance website for ease of use and customer satisfaction. Aside from traditional property and casualty, they also offer:

  • watercraft
  • RV
  • motorcycle coverage

As stated in their commercials, their website offers a comparison of car insurance rates from other carriers as well as their own rate.

They also offer a “name your own price” option to let potential customers create their own insurance package and a “snapshot” tracker that records a driver’s habits and sets the premium accordingly.

Quotes can be obtained online, by phone or through agents. Claims can be tracked online. They have been in business since 1937.

Shopping for cheap car insurance isn’t fun, but it is necessary to protect your investment in your car and home.

Taking the time to think about the level of service you want and your premium budget, you can find the company that meets your needs and gives you the peace of mind that you’re covered.

Start now by entering your ZIP code in our FREE comparison tool  below!

References:

  1. http://www.kynatins.com/
  2. http://www.bbb.org/lexington/business-reviews/insurance-companies/kentucky-national-insurance-company-in-lexington-ky-14002777
  3. https://www.kyfb.com/
  4. https://www.travelers.com/
  5. https://www.libertymutual.com/
  6. https://www.progressive.com/auto/