Kentucky Auto Insurance Rates
Median premium: $835/6mo across 11 carriers and 946 ZIP codes.
Premiums range from $835 to $1,614 — a 1.9x spread. Based on SERFF regulatory rate filings — updated March 2026.
Overall Median
$835
per 6 months
ZIP Codes
946
with rate data
Carriers
11
rated in KY
Price Spread
1.9x
cheapest to most expensive
Carrier Rankings
All carriers sorted by median 6-month premium. Bar shows relative premium level.
| # | Carrier | Median 6-Mo | Relative Cost | #1 Cheapest In | % of ZIPs |
|---|---|---|---|---|---|
| 1 | USAA | $600 | 946 ZIPs | 100% | |
| 2 | Farmers | $664 | 0 ZIPs | 0% | |
| 3 | Erie Insurance | $708 | 0 ZIPs | 0% | |
| 4 | Shelter Insurance | $733 | 0 ZIPs | 0% | |
| 5 | State Farm | $833 | 0 ZIPs | 0% | |
| 6 | Progressive | $835 | 0 ZIPs | 0% | |
| 7 | Nationwide | $916 | 0 ZIPs | 0% | |
| 8 | Travelers | $933 | 0 ZIPs | 0% | |
| 9 | Liberty Mutual | $958 | 0 ZIPs | 0% | |
| 10 | Allstate | $1,083 | 0 ZIPs | 0% | |
| 11 | GEICO | $1,270 | 0 ZIPs | 0% |
1
$600USAA#1 in 946 ZIPs (100%)
2
$664Farmers#1 in 0 ZIPs (0%)
3
$708Erie Insurance#1 in 0 ZIPs (0%)
4
$733Shelter Insurance#1 in 0 ZIPs (0%)
5
$833State Farm#1 in 0 ZIPs (0%)
6
$835Progressive#1 in 0 ZIPs (0%)
7
$916Nationwide#1 in 0 ZIPs (0%)
8
$933Travelers#1 in 0 ZIPs (0%)
9
$958Liberty Mutual#1 in 0 ZIPs (0%)
10
$1,083Allstate#1 in 0 ZIPs (0%)
11
$1,270GEICO#1 in 0 ZIPs (0%)
Geographic Insights
Cheapest Cities in Kentucky
| City | Avg Median | ZIPs |
|---|---|---|
| Burgin | $835 | 1 |
| Carlisle | $835 | 1 |
| Clay City | $835 | 1 |
| Clearfield | $835 | 1 |
| Denniston | $835 | 1 |
Most Expensive Cities in Kentucky
| City | Avg Median | ZIPs |
|---|---|---|
| Louisville | $1,061 | 66 |
| Westview | $1,061 | 1 |
| West Point | $1,061 | 1 |
| Webster | $1,061 | 1 |
| Vine Grove | $1,061 | 1 |
ZIP Code Extremes
Most Expensive ZIP
$1,061/6mo
40299 (Louisville)
Cheapest ZIP
$835/6mo
40310 (Burgin)
1.9x
Price Spread
The most expensive ZIP in Kentucky costs 1.9x more than the cheapest. Your ZIP code matters more than you think.
Kentucky Auto Insurance FAQ
ZIP Code Lookup
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All carriers in Kentucky
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Access ZIP-level rate data across all 11 carriers, 946 ZIP codes, multiple vehicles, and 3 coverage tiers. Updated within days of each new filing.
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