Actual Yearly Savings
  • Chet narayan
  • $200
  • Jul 6, 2017
  • Amber
  • $3600
  • Jun 27, 2017
  • Damaso
  • $1200
  • Jun 5, 2017
  • Samantha
  • $180
  • May 20, 2017
  • Omar
  • $2400
  • May 12, 2017
  • Jonathan
  • $1920
  • Apr 10, 2017
  • Ricky
  • $540
  • Mar 11, 2017
  • Yesebia
  • $1200
  • Mar 7, 2017
  • Walter
  • $840
  • Feb 23, 2017
  • Brittany stitch
  • $1800
  • Feb 18, 2017
  • Simon boadi
  • $1440
  • Feb 6, 2017
  • Joshua
  • $1560
  • Jan 18, 2017
  • Vanessa
  • $1404
  • Jan 6, 2017
  • Daniel
  • $600
  • Jan 1, 2017
  • Ariwah
  • $204
  • Dec 30, 2016
  • Aaron
  • $1200
  • Dec 30, 2016
  • Richard
  • $600
  • Dec 29, 2016
  • Jenaye
  • $1800
  • Dec 28, 2016
  • Gerals
  • $3600
  • Dec 27, 2016
  • Boris
  • $600
  • Dec 24, 2016
  • Ahmed
  • $100
  • Dec 18, 2016
  • Patrick
  • $600
  • Dec 17, 2016
  • Matthew gilmore
  • $300
  • Dec 12, 2016
  • Michael desmond
  • $3600
  • Dec 9, 2016
  • Ganesan
  • $100
  • Dec 9, 2016
  • Mamacita
  • $100
  • Dec 8, 2016
  • Nwaigwe
  • $1125
  • Nov 28, 2016
  • Atif ur rehman
  • $360
  • Nov 23, 2016
  • Zack
  • $1920
  • Nov 8, 2016
  • Brandon
  • $1800
  • Oct 2, 2016
  • Alex
  • $198
  • Aug 10, 2016
  • Kylah
  • $2400
  • May 2, 2016
  • Linda
  • $1200
  • Jul 4, 2015
  • Desi
  • $1200
  • Jun 22, 2015
  • Crystal
  • $300
  • Jun 22, 2015
  • Amer
  • $480
  • Jun 5, 2015
  • Jasmine
  • $2400
  • Jun 4, 2015
  • Ted
  • $120
  • May 15, 2015
  • Jeremiah
  • $1200
  • May 13, 2015
  • Cody
  • $1200
  • Apr 28, 2015
  • Arthur
  • $1500
  • Mar 19, 2015
  • Michael
  • $800
  • Mar 4, 2015
  • Babiisasha
  • $910
  • Mar 2, 2015
  • Alex
  • $516
  • Mar 2, 2015
  • Tushar
  • $2400
  • Feb 28, 2015
  • Tim
  • $300
  • Feb 28, 2015
  • Kristina
  • $1200
  • Feb 21, 2015
  • Santos
  • $1000
  • Jan 30, 2015
  • Janine
  • $1200
  • Jan 21, 2015
  • Matt
  • $150
  • Jan 16, 2015

The Cheap Car Insurance Commitment

We stand behind our commitment to do our best to get you the lowest auto insurance quotes online.


Now it’s easier than ever to search and shop for cheap auto insurance quotes.

Furthermore, we know our customers want the right amount of coverage to help keep their family safe on the road. That’s why we emphasize on red tape removal and streamline processes to help find cheap full coverage car insurance rates and the cheapest insurance companies for our customers.

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"After being with my insurance company for just shy of 10 years, and after having shopped


at companies that everyone around my hometown swore were the cheapest (including unadvertised "bargain" companies and giant comparison shopping brands), I decided to shop here at CheapCarInsurance and ended up saving just under $1,100 off my annual insurance bill, which is a lot more than I ever could have imagined anyone saving, especially me, an avid online shopper and extreme bargain hunter [...]

This is pretty ridiculous considering the fact that: 1st, I had regularly asked my former insurance company for reviews and discounts; 2nd, I recently got a speeding ticket in a school zone (which I am a bit ashamed to say) just before I switched; and 3rd, that $1,100 savings was before I got an additional discount for bundling my home insurance on my policy (which is a lot lower now too).

Unfortunately, and surprisingly, 10 years of loyalty did not pay off for me, and was replaced by a 5 minute quote that will save me thousands down the road. In short, our family owns 3 cars, and my new rates are about half my old rates; so not bad for the little additional time it took to compare quotes and digitally sign a policy.

Obviously, not everyone will save nearly as much as I did, but it's well worth your 5 minutes to find out, even if you end up only saving a few hundred dollars per year, potentially adding up to thousands over a couple years."

- Jared

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Cheapest Car Insurance in Kentucky (KY)

Kentucky, America’s 15th state, has a lot to offer residents and tourists alike. In this state one can find the longest cave system in the world, legendary horse races, the longest navigable waterways in the U.S., herds of deer, flocks of turkeys and all-American distilleries. Enjoy an afternoon of bluegrass music in the state that gave the music its name, hike through the infamous Cumberland Gap or visit breath-taking Red River Gorge and appreciate all that Kentucky has to offer. Taking a drive through this state can be beautiful. So to give drivers that freedom, has streamlined the search for car insurance information by compiling this helpful list of all the necessary facts.


Best Cheap Car Insurance Quotes for Kentucky

Jefferson County Car Insurance

Jefferson County in 2003 merged with its county seat, the City of Louisville, to form what is now known as "Louisville Metro." The county courthouse was renamed Metro Hall. The most populous county in the state, it is home to an estimated 742,000.

Opened in 1875, Churchill Downs is most famous for hosting the Kentucky Derby, and encompasses the Kentucky Derby Museum. Another well-known site is the Louisville Slugger Museum and Factory, part of what is known as "Museum Row" in the West Main Street District. The Muhammad Ali Center is a nonprofit museum dedicated to one its most famous natives. History buffs visit for attractions such the 1914 Belle of Louisville steamboat.

County Sedan Suv Coupe Truck Hybrid

Fayette County Car Insurance

Fayette County merged with its county seat, the City of Lexington, in 1974. Today, the city-county is known as the "horse capital of the world" and home to about 296,000 in the state's northern Bluegrass region.

The area is home to racing courses such as the Red Mile, Keeneland and Kentucky Horse Park, a working horse farm and educational theme park. It features a horses of the world show twice daily for visitors. The historic childhood home of Mary Todd Lincoln is located in downtown Lexington and open to visitors seasonally. Another must-see for history fans is Ashland: Henry Clay Estate.

County Sedan Suv Coupe Truck Hybrid

Kenton County Car Insurance

Bordering Cincinnati at the Ohio River, Kenton County lies in northern Kentucky, home to an estimated 160,000. It is one of the two counties in the state with two seats, Covington and Independence. Both have a courthouse.

Covington boasts several historic sites, including the Austinberg Historic District, Daniel Carter Beard Boyhood Home, Bavarian Brewing Co. and the Cathedral Basilica of the Assumption. The Covington and Cincinnati Suspension Bridge spans the Ohio River, first crossed by pedestrians in 1866. Today, pedestrians cross the more than 1,000-foot-long bridge from Cincinnati's sports venues to restaurants, bars, parking and hotels in the district known as Roebling Point in Covington.

County Sedan Suv Coupe Truck Hybrid

Boone County Car Insurance

Southwest of the heart of Cincinnati, Boone County is home to many commuters as well as the site of the Cincinnati/Northern Kentucky International Airport. Named for frontiersman Daniel Boone, the county is bordered on both the north and west by the Ohio River. The county seat is Burlington, a community of about 16,000 located about 16 miles from Cincinnati.

The county has several noted tourist attractions, including the Creation Museum in Petersburg and Big Bone Lick State Park, a salt lick deposit believed to have drawn mammoths based on fossils found there. Its visitors' center includes indoor and outdoor fossil exhibits, art, mammoth scene recreations and a boardwalk and trails.

County Sedan Suv Coupe Truck Hybrid

Warren County Car Insurance

Centered around its seat of Bowling Green, Warren County is the site of well-known companies such as General Motors and Fruit of the Loom. About an hour north of Nashville, Tenn. on Interstate 65, Warren County lies just southwest of Kentucky's famous Mammoth Cave National Park.

The site of an assembly plant that has made all Chevrolet Corvettes since 1981, Bowling Green is home to the National Corvette Museum. Visitors also are drawn to Lost River Cave, a 7-mile cave system, and the Historic Railpark and Train Museum, the site of Bowling Green's original train depot.

County Sedan Suv Coupe Truck Hybrid

Hardin County Car Insurance

Just south of Louisville, Hardin County is home to an estimated 106,000 as well as the U.S. Army post Fort Knox, famous for its U.S. Bullion Depository. The northernmost tip of the county borders the Ohio River. Elizabethtown, the county seat, is sometimes called "E-town" by locals.

Located at Fort Knox is the George S. Patton Museum and Center of Leadership, featuring exhibits from Sept. 11, 2001 such as two fire trucks, one partially charred and melted in the Pentagon attack. For security reasons, tours of the depository, reportedly housing $180 billion in gold, are not allowed. In Elizabethtown, the Swope's Cars of Yesteryear Museum features exquisite antique cars, free to the public.

County Sedan Suv Coupe Truck Hybrid

Daviess County Car Insurance

Hugging the southern bank of the Ohio River that forms Kentucky's northern border, Daviess County was named for U.S. Attorney Joseph Hamilton Daveiss, but the error in spelling was never corrected. Its county seat is Owensboro, named for Col. Abraham Owen killed in the Battle of Tippecanoe.

Daviess County is best known for its reputation in distilling spirits, namely Kentucky Bourbon. Eighteen large distilleries operated in the county in the 1880s, and three remain. The O.Z. Tyler Distillery offers tours and tastings. Noted for its style of barbecue featuring mutton, Owensboro is the site of the International Bluegrass Music Museum, a draw for music lovers.

County Sedan Suv Coupe Truck Hybrid

Campbell County Car Insurance

Spanning from the Cincinnati, Ohio, border southeast along the Ohio River, Campbell County is of only two counties in the state with two county seats: Alexandria and Newport. The county is home to about 93,000.

Just outside Cincinnati, Newport is an entertainment destination for the region, boasting a Newport on the Levee shopping district and East Row Historic District. The Newport Aquarium's 70 exhibits include five seamless acrylic tunnels more than 200 feet long. The more centrally located Alexandria is home to the Museum of Anthropology, Taft Museum of Art and Ulysses S. Grant's childhood home.

County Sedan Suv Coupe Truck Hybrid

Madison County Car Insurance

Home of Eastern Kentucky University, Madison County is home to an estimated 83,000 in central Kentucky. Its county seat is Richmond, a business and retail center in the region. The county is perhaps most noted for Fort Boonesborough, a settlement founded by Daniel Boone and his men after crossing the Kentucky River in 1775. It has been painstakingly preserved and is open to visitors.

The Battle of Richmond Visitors Center draws Civil War buffs to the site of a significant battle, where a two-story 19th Century house houses exhibits and artifacts. The 14-acre White Hall State Historic Site features a restored mansion with a colorful history that provides visitors a slice of life in the 1860s.

County Sedan Suv Coupe Truck Hybrid

Bullitt County Car Insurance

In a region known as the "Knobs" for its narrow, isolated hills, Bullitt County is just south of Louisville, bisected by Intestate 65. It is a thriving hub for distribution and warehousing. The county seat is Shepherdsville, located on the banks of the Salt River and 20 miles from Louisville.

The Bullitt County "Wine and Whiskey Trail" features the Jim Beam American Stillhouse, Four Roses Warehouse & Bottling, plus four local wineries for tours and tastings all within 9 miles. Visitors to Bullitt County also enjoy golf, antique shopping and fishing in the Salt River.

County Sedan Suv Coupe Truck Hybrid

County Sedan Suv Coupe Truck Hybrid
Woodford$1,024.00$776.00$1,121.00$894.00$964.00 Methodology

Car insurance quotes are for one car and one driver who has state minimum coverage with $500 comprehensive and collision deductibles. The hypothetical driver is 40 years old, female, married, employed, a college graduate, and has good credit. She has no moving violations, accidents, claims, or lapse in coverage. The vehicles are assumed to be garaged on premises, used primarily for commuting, and driven 16,000 miles per year. Car insurance quotes include commonly available discounts and are estimates and not guaranteed.

Average Car Insurance Premiums

Rising fairly consistently for several years, Kentucky’s average auto insurance premiums are still below the national average. According to, however, the state’s premiums as a percentage of income have risen above the national average even after a sharp spike and decline in 2005.

Teen Drinking and Driving

The Centers for Disease Control reports that Kentucky teens drink and drive less than teens across the rest of the U.S.

Vehicular Theft in Kentucky

Kentucky’ auto thefts, according to the FBI, have remained far below the national average for several years. In 2012, Kentucky dropped to 152 while the national average dropped to 229. They are slightly below that number for 2014.

Cheap Car Insurance understands you work hard for your money so, why spend more on your auto insurance. Here is a list of some of the car insurance discounts that will help keep your hard-earned money in your pockets:

  • Multi-car insurance discount
  • Good student discount
  • Military discount
  • Car safety features discount
  • Anti-theft discount
  • Bundling your auto with home or renters
  • Defensive driving discount
  • Usage or low-mileage discount
  • Senior citizen discount
  • Mature driver discount

Insurance discounts may vary by state so, contact us today to see if you qualify for any of these car insurance discounts!

Driver RatingBest Rate Option
Good driversState Farm
Young driversGeico
Drivers with an at-fault crashState Farm
Drivers with poor creditKentucky Farm Bureau
Retired driversState Farm


Car insurance laws and regulations can change almost overnight. This list helps keep drivers one step ahead of these changes with useful information for every Kentucky driver.

Minimum Requirements for Car Insurance in Kentucky

  • Kentucky state law requires all vehicles to be covered by liability coverage and no-fault personal injury protection. The Kentucky Department of Insurance provides additional information in the Kentucky Driver Manual.
  • Liability Coverage minimums:
    • $25,000 per single bodily injury or death.
    • $50,000 per multiple bodily injury or deaths.
    • $10,000 for property damage.
  • Personal Injury Protection (PIP or No Fault):
    • $10,000 for lost wages, medical expenses and replacement services for accidents involving injuries.

New Driver Licensing Requirements

  • Kentucky drivers 16 years of age and older must be properly licensed to drive a vehicle in the state. Failure to maintain a drivers license can result in fines, suspensions and vehicle impounds.
  • Kentucky participates in a Graduated Drivers License Program (GLP), which allows drivers under the age of 18 to gain driving experience prior to obtaining their Full Unrestricted License. Kentucky law has several requirements through each phase, and a brief summary is provided below. For further information, refer to the Kentucky Transportation Cabinet website or the Kentucky Driver Manual.
  • Permit Phase. In this phase, the applicant must be at least 16 years of age, and, if under 18, must have parent/legal guardian consent along with a School Compliance Verification Form.
  • Applicants in this phase must pass the vision and written tests, and the following applies:
    • Under age 21 must hold the permit for a minimum of 180 days
    • 21 and over must hold the permit for a minimum of 30 days
    • Must complete 60 hours of supervised driving time with at least 10 hours of night driving. The Kentucky Transportation Cabinet provides a Driving Log and Verification Form here.
    • Certain driving times are restricted at this phase, and only one passenger under 20 and unrelated to the driver may be in the vehicle.
    • If under age 18, must complete an approved Driver Training School. The state’s Transportation Cabinet provides an online option here.
  • Intermediate License. In this phase, the permit holder who has satisfied all requirements for the permit may apply for an Intermediate License by passing the road skills test. During this phase, the following applies:
    • Must hold this license for a minimum of 180 days.
    • Certain driving times are restricted, and only one passenger under 20 and unrelated to the driver may be in the vehicle
    • Complete an approved Driver Education Course if a course has not already been completed
  • Upon passing the following tests and paying the appropriate fees, an applicant who has successfully completed the GLP may obtain a Full Unrestricted License.
  • Vision Exam. An applicant must be evaluated at a visual acuity of at least 20/40 to pass with no restrictions. Corrective lenses may be worn to pass the test, and, if required, must be worn while driving.
  • Knowledge Test. The Kentucky Driver Manual comprises the subject of the questions in the written test. Applicants will be evaluated on their understanding of traffic laws, signals, signs, procedures and regulations. A score of 80 percent is needed to pass. The applicant may re-take the test up to 6 times; however, upon failing the 6th attempt, the applicant must wait 6 months to re-take the test.
  • Road Skills Test. The road test is designed to measure an applicant’s ability to control his/her vehicle. The vehicle, provided by the applicant, must be properly maintained, registered and insured. A vehicle inspection will be performed prior to the test, and the Kentucky Driver Manual explains each requirement. The test will evaluate the applicant’s following skills:
    • Stopping
    • Backing
    • Turning around
    • Stopping and starting on a grade
    • Parallel parking
    • Intersection approach
    • Clutch (if applicable)
    • Speed
    • Turning
    • Lane use
    • Right-of-way
    • Vehicle control.
  • Fees. The following fees apply for every applicant:
    • Learner’s Permit, $12
    • Full License Fees:
      • Age 16, $10
      • Age 17, $8
      • Age 18, $6
      • Age 19, $4
      • Age 20, $2


  • BAC limit: .08 Kentucky law lists the penalties for DUI convictions. The state has implemented mandatory jail sentences for DUI convictions involving aggravating circumstances. The sentences many times double the simple DUI sentences, and the Transportation Cabinet has provided an easy-to-read explanation for determining aggravating circumstances.
  • First Offense:
    • Fine: $200 – $500
    • Imprisonment: 2 – 30 days
    • Alcohol/substance abuse program: 90 days
    • License suspension: 30 – 120 days
    • Possible community service: 48 hours – 30 days
  • Second Offense within 5 Years:
    • Fine: $350 – $500
    • Imprisonment: 7 days – 6 months
    • Alcohol/substance abuse program: 1 year
    • License suspension: 12 – 18 months
    • Community service: 10 days – 6 months
  • Third Offense within 5 Years:
    • Fine: $500 – $1,000
    • Imprisonment: 30 days – 12 months
    • Alcohol/substance abuse program: 1 year
    • License suspension: 24 – 36 months
    • Community service: 10 days – 12 months
  • Refusals to take alcohol or substance tests result in mandatory license revocations, the terms for which increase at each subsequent offense.
  • Ignition Interlock Devices may be implemented on any subsequent DUI offense(s)

Texting & Driving Laws

Kentucky has banned all cell phone use, including hands-free and handheld, from novice drivers and bus drivers. reports that texting for all drivers is also banned within the state.

Unique Laws

Kentucky law has finally answered the age-old question of, “When is enough, enough?” Kentucky answers, when drinking, one is sober until one “cannot hold onto the ground”! And when driving through the land-locked state of Kentucky, remember that shooting game out of the window of the car is illegal…unless it’s a whale!


State Department of Insurance

Kentucky Department of Insurance
215 West Main St.
Frankfort, KY 40601
(502) 564-6154
Get Directions

Department of Transportation

Kentucky Transportation Cabinet
200 Mero St.
Frankfort, KY 40622
(502) 564-1257
Get Directions

Department of Motor Vehicles

Division of Motor Vehicle Licensing
Kentucky Transportation Cabinet
200 Mero St.
Frankfort, KY 40622
(502) 564-1257
Get Directions

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