Cheap Auto Insurance for High-Risk Drivers in Kentucky for 2025 (Top 10 Companies Ranked)
USAA, Geico, and State Farm offer cheap auto insurance for high-risk drivers in Kentucky, with rates starting at $32 per month. They provide excellent support for military members and suitable coverage for KY drivers, helping you budget with the average auto insurance cost in Kentucky.
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
UPDATED: Mar 11, 2025
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Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page 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.
UPDATED: Mar 11, 2025
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
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17,760 reviewsThe top picks for cheap auto insurance for high-risk drivers in Kentucky are USAA, Geico, and State Farm, with rates starting as low as $32 per month.
Kentucky minimum auto insurance requirements offer the most affordable rates for high-risk drivers, with ten companies providing cheap, comprehensive options tailored to their needs.
Our Top 10 Company Picks: Cheap Auto Insurance for High-Risk Drivers in Kentucky
| Company | Rank | Monthly Rates | A.M. Best | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
 | #1 | $32 | A++ | Military Members | USAA |
 | #2 | $35 | A++ | Online Service | Geico |
 | #3 | $43 | A++ | Customer Service | State Farm |
 | #4 | $49 | A+ | Qualifying Coverage | Progressive |
 | #5 | $62 | A++ | Insurance Discounts | Travelers |
 | #6 | $81 | A+ | Vanishing Deductible | Nationwide |
 | #7 | $104 | A+ | Infrequent Drivers | Allstate |
 | #8 | $115 | A | Multiple Violations | The General |
 | #9 | $120 | A+ | Foreign Diplomats | Dairyland |
 | #10 | $130 | A+ | Minimum Coverage | Safe Auto |
KY drivers can secure reliable coverage that aligns with their budget and specific circumstances by choosing one of these insurers.
You can find affordable Kentucky auto insurance no matter what your driving record looks like by entering your ZIP code in our free quote comparison tool.
- USAA offers the lowest rates at $32 per month for high-risk drivers in Kentucky
- Specialized coverage options meet the unique needs of KY’s high-risk motorists
- High-risk drivers in Kentucky might need to file SR-22 insurance to get coverage
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#1 – USAA: Top Overall Pick
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 is owned by and serves the military community and is a competitive coverage offer for Kentucky high-risk drivers. 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.
#2 – 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 quickly.
- 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.
#3 – State Farm: Best for Customer Service
Pros
- Top-Notch Assistance: Customers of State Farm quote a great support for Kentucky high-risk drivers. 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 than other insurers due to limited online tools.
- Availability Issues: In some areas, Kentucky’s high-risk drivers might find State Farm’s high-risk insurance products limitedly available.
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#4 – Progressive: Best for Qualifying Coverage
Pros
- Customizable Plans: Progressive provides a number of customizable coverage options tailored to the needs of Kentucky high-risk drivers, which means tailored insurance solutions.
- Affordable Options: This Kentucky insurer provides cost-efficient coverage plans that can prove useful for high-risk drivers wanting to control expenses. 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 Support Quality: Progressive has poorer customer service ratings than other cheap Kentucky high-risk insurance companies.
- Complex Policy Options: The different coverage types in Kentucky can send high-risk drivers into information overload, complicating their decision on which plans to get.
#5 – Travelers: Best for Insurance Discounts
Pros
- Significant Savings: The bundling policy for KY high-risk insurance is offered by Travelers at a 13% discount. Check out more auto insurance discounts in our Travelers review.
- Streamlined Insurance Management: High-risk drivers in Kentucky can get double benefits after combining policies as they can manage their insurance easily.
- 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, the savings amounts are smaller than those from other Kentucky high-risk companies on this list.
#6 – 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: Reducing the deductible might be slow, which could be a drawback for high-risk drivers in Kentucky seeking immediate relief.
- Eligibility Criteria: Drivers in Kentucky who are considered high-risk may not be scored to benefit from a vanishing deductible program.
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#7 – Allstate: Best for Infrequent Drivers
Pros
- Cost-Efficient Coverage for Infrequent Drivers: Allstate Milewise is a tailored plan for high-risk Kentucky drivers who drive less often. Learn more in our Milewise review.
- High-Mileage Discounts: High-mileage high-risk drivers in Kentucky who sign up for Milewise Unlimited can get up to 30% off.
- Specialized Plans: Allstate’s coverage options are 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.
#8 – The General: Best for Multiple Traffic Violations
Pros
- Specialized Insurance: The General focuses on providing insurance solutions 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 provides customization for its insureds at a higher risk than average, 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: Compared to other insurers, The General may offer fewer additional perks or benefits to high-risk drivers in Kentucky.
#9 – Dairyland: Best for Foreign Diplomats
Pros
- Tailored Coverage: Dairyland offers insurance products that cover high-risk drivers in Kentucky, and those with special status, such as foreign diplomats.
- Adaptable Coverage Options: This insurer offers customized coverage options that can be tailored to the unique needs of Kentucky’s high-risk drivers. Read more in our review of Dairyland.
- Expertise in Unique Insurance Needs: Dairyland knows foreign diplomats, which turns into unique insurance knowledge for the special needs of high-risk drivers in Kentucky.
Cons
- Expensive Rates: Dairyland’s niche insurance focus means rates are slightly 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.
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#10 – SafeAuto: Best for Minimum Coverage
Pros
- Budget-Friendly Minimum Coverage: Affordable minimum coverage options from SafeAuto make it a worthy choice for Kentucky high-risk drivers seeking savings.
- Simple Coverage Solutions: SafeAuto offers basic insurance plans, which might be helpful for those Kentucky drivers who feel confused when it comes to insurance options.
- Flexible Payment Options: Some insurance providers offer this, enabling high-risk drivers to pay more easily. For a complete list, read our SafeAuto review.
Cons
- Basic Coverage Limits: Kentucky high-risk drivers may be underinsured on Safe Auto’s minimum coverage focus.
- Potential Gaps in Protection: The minimal coverage offered may leave high-risk drivers in Kentucky exposed to coverage gaps.
Kentucky High-Risk Auto Insurance Rates
This table compares monthly rates for high-risk drivers in Kentucky. USAA offers the lowest rates at $32/month for minimum and $87/month for full coverage, while Allstate has the highest monthly costs at $104 for minimum and $287 for full coverage.
Kentucky High-Risk Auto Insurance Monthly Rates by Provider & Coverage Level
| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| $104 | $287 |
| $120 | $265 |
| $35 | $97 |
| $81 | $224 |
| $49 | $135 |
| $130 | $275 |
 | $43 | $119 |
| $115 | $250 |
| $62 | $169 |
| $32 | $87 |
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.
Accidents, speeding tickets, and DUI charges will increase your rates for up to 10 years in Kentucky, but State Farm is least likely to raise your rates as high as other companies on this list.
Your driving record impacts insurance rates. Maintain a clean record to lower costs. For example, defensive driving courses reduce premiums.Michelle Robbins Licensed Insurance Agent
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 method will help identify areas where your coverage may be edited or discounts you may be eligible for, and get you one step closer to landing the best price for high-risk auto insurance available.
However, by becoming educated and taking action, you can save so much premium while still having the important protection that you need.
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, securing the right auto insurance involves thoroughly comparing rates and discounts from various providers.
Comparing different insurance plans is crucial so you get the best price for the right coverage that meets your needs. From there, make sure to find the best deal for your driving profile and risk factors.
Auto Insurance Discounts from the Top Providers for Kentucky High-Risk Drivers
| Insurance Company | Available Discounts |
|---|---|
| Safe Driving Bonus, Accident Forgiveness, Multi-policy Discount, Anti-theft Discount, Good Student Discount |
| Multi-car Discount, Homeowner Discount, Advanced Quote Discount, Defensive Driving Course Discount |
| Good Driver Discount, Multi-policy Discount, Anti-theft Discount, Good Student Discount, Military Discount |
| Vanishing Deductible, Accident Forgiveness, Multi-policy Discount, Safe Driver Discount, Anti-theft Discount |
| Snapshot Program, Multi-policy Discount, Homeowner Discount, Continuous Insurance Discount, Good Student Discount |
| Multi-car Discount, Safe Driver Discount, Paid-in-Full Discount, Homeowner Discount, Defensive Driving Discount |
| Steer Clear Program, Safe Driver Discount, Multi-policy Discount, Good Student Discount, Anti-theft Discount |
| Multi-car Discount, Paid-in-Full Discount, Safe Driver Discount, Defensive Driving Course Discount |
| IntelliDrive Program, Multi-policy Discount, Safe Driver Discount, New Car Discount, Homeowner Discount |
| Safe Driver Discount, Multi-policy Discount, Military Discount, New Vehicle Discount, Good Student Discount |
One of the most straightforward methods of reducing your high-risk car insurance costs is to compare quotes from a number of providers to snag the lowest rates. Think about raising your deductible too, because a bigger deductible usually lowers your premium.
As a feature writer, I found that comparing rates and using discounts, especially after an accident, significantly lowered my insurance costs.Tonya Sisler Insurance Content Team Lead
Regularly review and refine your coverage to avoid unnecessary extras as needed. Understanding how credit scores affect auto insurance rates is key, as a higher score can lower premium. Choosing a vehicle with good safety ratings can also lower your insurance costs.
Budget-Friendly Auto Insurance Solutions for Kentucky’s High-Risk Drivers
Some of the best auto insurance companies for high-risk drivers are USAA, Geico, and State Farm. They each offer cheap auto insurance for high-risk drivers in Kentucky. USAA and Geico excel in coverage and customer service.
To get the cheapest rates, shop around to see quotes from different companies, raise your deductible and take advantage of discounts. Understand the factors that compress insurance costs, and use cost-saving strategies to secure the best Kentucky high-risk coverage for less.
Enter your ZIP code into our free quote tool to compare prices from different companies in your area and find out if you could save on KY auto insurance rates.
Frequently Asked Questions
Who has the cheapest auto insurance in Kentucky?
The cheapest auto insurance in KY generally comes from companies like USAA, Geico, and State Farm; minimum coverage rates can be as low as $32 per month. Comparison shopping among multiple providers is key to finding the right price for your personal circumstances.
What is the best auto insurance for DUI in Kentucky?
For drivers with a DUI, companies such as State Farm and Progressive are generally considered good options. They offer competitive rates and comprehensive coverage. However, rates can vary widely based on your driving record and other factors, so it’s essential to compare quotes.
Find your cheapest auto insurance quotes by entering your ZIP code into our free comparison tool.
Who typically has the cheapest Kentucky auto insurance?
Insurance rates can vary based on location, driving record, and vehicle type. Generally, providers like Geico and State Farm are known for offering competitive rates. High-risk drivers might need to shop around more to find the best deal. Take a look at our list of the best providers: Cheap Auto Insurance for a Bad Driving Record
Does the choice of vehicle impact the average car insurance cost in Kentucky?
Yes, choosing vehicles with high safety ratings and lower repair costs can help bring your premiums closer to Kentucky’s average car insurance cost.
How does increasing my deductible affect my chances of getting the cheapest car insurance in Kentucky?
Choosing a higher deductible can significantly reduce your premium, which is one of the strategies for finding cheaper car insurance cost in Kentucky.
Why is auto insurance in Kentucky so expensive?
Kentucky auto insurance is on the higher side, owing to a high number of car accidents, costly repairs, and strict regulations. However, high-risk drivers, particularly those with DUIs, typically receive higher premiums. Finding cheap auto insurance after a DUI involves comparing policies tailored for such drivers.
What is the best insurance in Kentucky?
The best insurance in Kentucky depends on your needs. State Farm, USAA, and Progressive are highly recommended for affordability and quality coverage. Each offers a range of options suited for high-risk drivers and has strong customer service.
Why might cheap auto insurance for high-risk drivers be more expensive than standard policies?
Insurers deploy higher premiums even on less expensive policies to help make up for the increased likelihood of high-risk drivers filing claims.
What is the minimum auto insurance in Kentucky?
Kentucky minimum auto insurance requirements include liability auto insurance coverage of $25,000 for bodily injury per person, $50,000 per accident, and $10,000 for property damage. This ensures essential protection in an accident but may not be sufficient for all drivers.
Can high-risk insurance costs decrease over time, and if so, how?
High-risk insurance costs can decrease over time if the driver maintains a clean driving record, avoids new infractions, and continuously monitors and adjusts their coverage levels as their risk profile improves.
How much is auto insurance per month in Kentucky?
Monthly auto insurance costs in Kentucky vary widely. For minimum coverage, rates can start around $32 per month with companies like USAA. Full coverage plans are typically higher, with rates averaging around $87 per month for high-risk drivers.
Can you get auto insurance with a suspended license in Kentucky?
Getting auto insurance with a suspended license in Kentucky is challenging but possible. Some insurance providers offer coverage for drivers with suspended licenses and will even file SR-22 insurance on your behalf, but you may face higher premiums and additional requirements.
How long does a DUI stay on your insurance in Kentucky?
In Kentucky, a DUI can impact your insurance rates for up to 10 years. Insurance companies may consider it a significant factor in determining your premium during this period, although the duration can vary by provider.
How does credit score affect rates for cheap auto insurance in Kentucky?
Drivers with higher credit scores tend to pay lower rates by the same company because they are perceived as lower risk in Kentucky. A better credit score can make for better insurance quotes.
How much liability insurance do I need in Kentucky?
In Kentucky, the minimum bodily injury liability auto insurance is $25,000 per person and $50,000 per accident, with $10,000 for property damage. It’s wise to opt for higher limits to ensure better protection and avoid out-of-pocket costs after an accident.
Can low-income car insurance in Kentucky cover all family vehicles?
Yes, low-income car insurance programs in Kentucky can cover all family vehicles, but the terms and eligibility may vary based on the insurer and specific program requirements.
How does improving my credit score affect the cost of cheap full coverage car insurance in Kentucky?
A higher credit score can qualify you for lower premiums, as insurers view a good credit score as an indicator of financial reliability and lower risk.
How can improving my driving record affect rates for cheap full coverage auto insurance for high-risk drivers?
You can lower your premiums by maintaining a clean driving record without accidents and violations, which is essential for securing cheap auto insurance after an accident as insurers reassess your risk level.
Are there specific discounts for young drivers on auto insurance in Louisville, KY?
Yes, young drivers in Louisville may receive discounts for good academic performance, completing a driver’s education course, or being away at school without a vehicle.
How do loyalty and renewal affect Kentucky auto insurance discounts?
Long-term customers in Kentucky may receive loyalty discounts or reduced premiums upon policy renewal, acknowledging their continued business and claim-free history with the insurer.
See which companies have the cheapest minimum auto insurance rates by entering your ZIP code into our free comparison tool.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
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.