Cheap Auto Insurance for High-Risk Drivers in Kentucky (Save With These 10 Companies in 2024)

State Farm, USAA, and Progressive are the best companies for cheap auto insurance for high-risk drivers in Kentucky, offering lowest rates starting at $39/month.

Kentucky minimum auto insurance requirements will be the cheapest option for high-risk drivers, and these ten companies have the cheapest rates with comprehensive insurance options tailored to meet the unique needs of high-risk drivers in Kentucky.

Our Top 10 Company Picks: Cheap Auto Insurance for High-Risk Drivers in Kentucky

Additionally, State Farm and USAA are the top-rated companies for customer service and claims handling in Kentucky.

You can find affordable Kentucky auto insurance no matter what your driving record looks like by entering your ZIP code above in our free quote comparison tool.

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#1 – State Farm: Top Overall Pick

Pros

• Top-Notch Assistance: State Farm’s customer service is praised for attentive support for high-risk drivers in Kentucky. Discover more in our State Farm review.
• Efficient Claims Handling: The company is known for its prompt and efficient claims processing, which is particularly beneficial for high-risk drivers in Kentucky who might face more frequent claims.
• Cheapest Rates: State Farm has the cheapest KY high-risk insurance rates and won’t raise rates as high as other companies after an accident or DUI.

Cons

• Limited Online Tools: For tech-savvy high-risk drivers in Kentucky, State Farm’s customer service may seem less accessible due to limited online tools compared to other insurers.
• Availability Issues: In some areas, high-risk drivers in Kentucky might find limited availability of State Farm’s high-risk insurance products.

#2 – USAA: Best for Military Members

Pros

• Benefits for High-Risk Military Drivers: USAA offers specialized insurance and exclusive benefits for high-risk military drivers in Kentucky.
• Financial Support: The company offers banking and other financial services for Kentucky high-risk drivers who are active or retired military personnel.
• Competitive Coverage: USAA offers competitive insurance options that cater to the needs of high-risk drivers in Kentucky within the military community. Read our USAA review for a full list.

Cons

• Membership Restrictions: USAA’s services are limited to military members and their families, which excludes non-military high-risk drivers in Kentucky from their benefits.
• Potentially Higher Costs: Despite specialized coverage, high-risk drivers in Kentucky might still see their rates skyrocket depending on their record.

#3 – Progressive: Best for Qualifying Coverage

Pros

• Customizable Plans: Progressive provides a variety of customizable coverage options suited to the needs of high-risk drivers in Kentucky, allowing for tailored insurance solutions.
• Affordable Options: The insurer offers affordable coverage plans that can be particularly beneficial for high-risk drivers in Kentucky looking to manage costs. Read more in our Progressive review.
• Broad Range of Discounts: Progressive provides numerous discount opportunities that can help lower premiums for high-risk drivers in Kentucky, making coverage more affordable.

Cons

• Variable Customer Service: Progressive has poorer customer service ratings than other cheap Kentucky high-risk insurance companies.
• Complex Policy Options: The wide range of coverage options can be overwhelming for high-risk drivers in Kentucky, potentially making it difficult to choose the right plan.

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#4 – Geico: Best for Online Service

Pros

• Low-Cost Coverage: Geico offers some of the most competitive rates, starting at $86/month for high-risk drivers in Kentucky.
• Easy Online Management: Geico’s efficient online platform allows high-risk drivers in Kentucky to manage their policies and make changes easily.
• Attractive Basic Coverage Options: Geico provides cost-effective basic coverage plans that meet the essential needs of high-risk drivers in Kentucky. Read our Geico review to learn what else is offered.

Cons

• Limited Customization: Geico’s emphasis on low rates may result in less flexibility and fewer options for customizing coverage to fit the specific needs of high-risk drivers in Kentucky.
• Potential Service Gaps: The focus on cost savings may lead to less comprehensive customer service for high-risk drivers in Kentucky.

#5 – Travelers: Best for Insurance Discounts

Pros

• Significant Savings: Travelers offers 13% discounts for bundling policies to lower KY high-risk insurance costs. Check out more auto insurance discounts in our Travelers review.
• Streamlined Insurance Management: Combining policies simplifies the management process, making it easier for high-risk drivers in Kentucky to handle their insurance needs.
• Savings for Young Drivers: Teens in Kentucky are considered high-risk drivers, but Travelers offers 25% student discounts for young drivers who can maintain a B average or better.

Cons

• Poor Customer Service: Other Kentucky car insurance companies provide better customer service and claims processing to high-risk drivers.
• Smaller Discounts: Despite an extensive list of discounts, savings amounts are smaller than discounts from other Kentucky high-risk companies on this list.

#6 – The General: Best for Multiple Traffic Violations

Pros

• Specialized Insurance: The General is focused on providing insurance solutions specifically for high-risk drivers in Kentucky with multiple offenses.
• SR-22 Filings: The General will file SR-22 insurance for high-risk drivers in Kentucky who have multiple traffic violations or accidents.
• Customizable High-Risk: The General offers flexible coverage options designed to suit the needs of high-risk drivers in Kentucky, which you can learn about in our review of The General.

Cons

• Higher Premiums: The specialized nature of The General’s coverage often leads to higher premiums for high-risk drivers in Kentucky.
• Limited Additional Benefits: High-risk drivers in Kentucky may find fewer additional perks or benefits with The General compared to other insurers.

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#7 – Dairyland: Best for Foreign Diplomats

Pros

• Tailored Coverage: Dairyland provides insurance solutions that accommodate high-risk drivers in Kentucky, including those with unique status such as foreign diplomats.
• Adaptable Coverage Options: The insurer offers flexible coverage plans that can be adjusted to meet the specific needs of high-risk drivers in Kentucky. Read more in our review of Dairyland.
• Expertise in Unique Insurance Needs: Dairyland’s experience with foreign diplomats translates into a strong understanding of the diverse needs of high-risk drivers in Kentucky.

Cons

• Expensive Rates: Dairyland’s niche insurance focus means rates are a little higher than other Kentucky high-risk providers on this list.
• Limited Add-Ons: Dairyland doesn’t offer as many customizable policy options as other high-risk auto insurance companies in KY.

#8 – SafeAuto: Best for Minimum Coverage

Pros

• Budget-Friendly Minimum Coverage: SafeAuto provides cost-effective minimum coverage options, making it a good choice for high-risk drivers in Kentucky seeking to minimize expenses.
• Simple Coverage Solutions: SafeAuto offers straightforward insurance plans, which can be ideal for high-risk drivers in Kentucky who prefer uncomplicated policies.
• Flexible Payment Options: The insurer offers various payment plans, allowing high-risk drivers in Kentucky to manage their insurance costs more easily. For a complete list, read our SafeAuto review.

Cons

• Basic Coverage Limits: Safe Auto’s focus on minimum coverage might not provide the comprehensive protection needed by high-risk drivers in Kentucky.
• Potential Gaps in Protection: The minimal coverage offered may leave high-risk drivers in Kentucky exposed to coverage gaps.

#9 – Nationwide: Best for Vanishing Deductible

Pros

• Deductible Reduction: Nationwide’s vanishing deductible program helps reduce deductibles over time, benefiting high-risk drivers in Kentucky who maintain a clean driving record.
• Incentives for Safe Driving: Nationwide rewards safe driving behavior with additional discounts and usage-based driving plans for high-risk drivers in Kentucky.
• Long-Term Savings: High-risk drivers in Kentucky who work to maintain a clean driving record can enjoy long-term savings on their premiums. Learn how in our Nationwide review.

Cons

• Slow Deductible Reduction: The process of reducing the deductible might be slow, which could be a drawback for high-risk drivers in Kentucky seeking immediate relief.
• Eligibility Criteria: High-risk drivers in Kentucky may need to meet specific criteria to benefit from the vanishing deductible program, potentially limiting its applicability.

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#10 – Allstate: Best for Infrequent Drivers

Pros

• Cost-Efficient Coverage for Infrequent Drivers: Allstate Milewise is a tailored plan for high-risk drivers in Kentucky who drive less often. Learn more in our Milewise review.
• High-Mileage Discounts: High-mileage high-risk drivers in Kentucky can still save up to 30% if they sign up for Milewise Unlimited.
• Specialized Plans: Allstate’s coverage options are specifically designed to meet the needs of infrequent high-risk drivers in Kentucky. Find out more in our Allstate review.

Cons

• Higher Rates for Frequent Drivers: High-risk drivers in Kentucky who drive more frequently may find more expensive auto insurance quotes with Allstate.
• Variable Customer Service: Allstate is highly rated for claims service but receives poor customer service reviews from local high-risk drivers in Kentucky.

Kentucky High-Risk Auto Insurance Rates

This table compares monthly rates for high-risk drivers in Kentucky. State Farm offers the lowest rates at $39/month for minimum and $106/month for full coverage, while Allstate has the highest monthly costs at $145 for minimum and $398 for full coverage.

Kentucky High-Risk Auto Insurance Monthly Rates by Coverage Level & Provider

What is the average auto insurance cost per month? While most drivers pay around $62/month for car insurance in Kentucky, high-risk drivers will see higher rates due to their driving history.

Factors Affecting Auto Insurance Costs for High-Risk Drivers in Kentucky

Navigating auto insurance as a high-risk driver in Kentucky can be complex, with various factors influencing your premium. For instance, safe drivers with clean records get the best rates on Kentucky auto insurance. To learn more, check out how to get a good driver auto insurance discount.

Having accidents, speeding tickets, and DUI charges will increase your rates for up to 10 years in Kentucky, but State Farm is least likely to increase your rates as high as other companies on this list.

By considering how your driving history, vehicle information, personal factors, coverage type, and location impact your auto insurance costs, you can make more informed decisions and find ways to reduce your premiums:

• Vehicle Information: Insurance costs vary based on the make and model, age, safety features, and usage, with luxury, high-mileage, and new vehicles generally costing more to insure.
• Coverage Type: Liability, collision, and comprehensive coverage affect your premium, with higher limits and add-ons increasing monthly high-risk car insurance rates.
• Location: High-risk insurance costs vary based on ZIP code, driving conditions, and local risk factors like crime rates, weather, and accident frequency.

This will help you identify opportunities to adjust your coverage or take advantage of discounts, ultimately allowing you to find the cheapest high-risk auto insurance possible.

Read More: Does a criminal record affect auto insurance rates?

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Smart Approaches to Reducing High-Risk Auto Insurance Expenses

As a high-risk driver in Kentucky, finding the right auto insurance means comparing rates and discounts. Providers like State Farm, Geico, and Progressive offer competitive rates combined with unique discounts that can lower your premiums.

The easiest way to lower your high-risk car insurance costs is by comparing quotes from multiple providers to find the best rates. Consider increasing your deductible as well, as a higher deductible often results in lower premiums.

Additionally, review and adjust your coverage regularly to ensure you’re not paying for unnecessary extras. Improving your credit score and opting for a vehicle with high safety ratings can also contribute to reduced insurance costs.

Budget-Friendly Car Insurance Solutions for Kentucky’s High-Risk Drivers

Some of the best auto insurance companies for high-risk drivers are State Farm, USAA, and Progressive. They each offer cheap auto insurance for high-risk drivers in Kentucky. State Farm and USAA excel in coverage and customer service.

To find the most affordable rates, compare quotes from multiple companies, consider increasing your deductible, and take advantage of discounts. By understanding factors affecting insurance costs and using cost-saving strategies, you can secure the best Kentucky high-risk coverage at a lower price.

To find out if you can get cheaper KY auto insurance rates, enter your ZIP code into our free quote tool below to instantly compare prices from various companies near you.

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