We gathered quotes from top insurance companies in every ZIP code in Kentucky to find the best frankfort ky car Insurance. Minimum coverage quotes meet Kentucky’s state minimum requirements of $25,000 in bodily injury liability coverage per person and $50,000 per accident, as well as $25,000 in property damage coverage and $10,000 in personal injury protection (PIP).
Full-coverage insurance quotes include collision and comprehensive coverage, as well as higher liability limits than state minimums.
In addition, we ranked the Best frankfort ky car insurance companies based on affordability for various drivers, customer service reviews, convenience, and coverage availability.
2023 top 5 best frankfort ky car insurance everything you need
| Monthly Premium | Online Quote |
| $38 | Get a Quote |
| $40 | Get a Quote |
| $62 | Get a Quote |
| $87 | Get a Quote |
| $113 | Get a Quote |
| $51 | Get a Quote |
Kentucky minimum-coverage auto insurance is the cheapest. It may not be best for you.
In Kentucky, minimum-coverage insurance will only cover a portion of the other driver’s car damage and injuries. The Minimum-coverage policy excludes comprehensive and collision coverages. car insurance
In a serious collision, minimum-coverage auto insurance may not be enough. Thus, most drivers need full-coverage insurance.
car insurance quotes in frankfort, ky with full-coverage
| Company | Monthly rate |
| State Farm | $100 |
| Farm Bureau | $117 |
| Travelers | $144 |
| Geico | $172 |
| Allstate | $254 |
| USAA | $136 |
Best Kentucky car insurance for drivers with prior incidents
For drivers with a speeding ticket or an accident on their record, State Farm offers the cheapest car insurance quotes in Kentucky.
Insurance companies base your premium rate on a variety of factors, including your driving record and credit score. You can expect to pay more for auto insurance if you have a recent incident on your record, such as an at-fault accident or a ticket.
Best frankfort ky Insurance for drivers after a speeding ticket
State Farm offers the most affordable quotes for Kentucky drivers who have received a speeding ticket. State Farm’s full-coverage policy costs $106 per month and increases by only 6% after a single speeding ticket.
Farm Bureau is another viable option because it does not always raise rates following a ticket.
| Company | Monthly rate |
| State Farm | $106 |
| Farm Bureau | $117 |
| Travelers | $189 |
| Geico | $214 |
| Allstate | $299 |
| USAA | $172 |
Best frankfort ky Auto Insurance for drivers after an accident
State Farm has the finest vehicle insurance prices for accident victims. The company’s full-coverage insurance premium is 55% lower than the Kentucky average at $114 per month.
| Company | Monthly rate |
| State Farm | $114 |
| Farm Bureau | $117 |
| Travelers | $207 |
| Geico | $383 |
| Allstate | $420 |
| USAA | $202 |
Best Kentucky car insurance for drivers after a DUI
Travelers’ full-coverage policy costs $220 per month for Kentucky DUI drivers. This is 34% less than the statewide average.
| Company | Monthly rate |
| Travelers | $220 |
| Progressive | $226 |
| USAA | $219 |
| Farm Bureau | $273 |
| Auto-Owners | $308 |
| State Farm | $331 |
| Allstate | $335 |
| Nationwide | $496 |
| Geico | $591 |
Best frankfort ky car Insurance for drivers with low credit
State Farm offers the lowest Kentucky auto insurance quotes for bad credit drivers at $207 per month for full coverage. That’s $64 less per month than Geico, the runner-up, and 38% less than the state average.
| Company | Monthly rate |
| State Farm | $207 |
| Geico | $271 |
| USAA | $305 |
| Travelers | $291 |
| Progressive | $298 |
| Farm Bureau | $357 |
| Nationwide | $390 |
| Auto-Owners | $405 |
| Allstate | $486 |
Best frankfort ky Auto Insurance for teen drivers
Farm Bureau offers Kentucky’s cheapest minimum-coverage vehicle insurance for young drivers.
Minimum Farm Bureau coverage for an 18-year-old driver costs around $106 per month. The state average is $238 a month so this is 55% cheaper.
State Farm has the cheapest teen full-coverage insurance quotes at $282 per month.
| Company | Liability only | Full coverage |
| Farm Bureau | $106 | $308 |
| State Farm | $132 | $282 |
| Travelers | $168 | $377 |
| Auto-Owners | $207 | $405 |
| Nationwide | $388 | $876 |
| USAA | $82 | $208 |
| Progressive | $321 | $778 |
| Geico | $354 | $763 |
| Allstate | $381 | $879 |
On average, younger drivers pay more for vehicle insurance than older drivers since they are more likely to be involved in an accident. A clean-record 18-year-old spends $165 more per month for minimum-coverage insurance in Kentucky than a 30-year-old.
Young drivers can save money on insurance by sharing a policy with a parent or relative. Sharing coverage is typically significantly less expensive than purchasing separate policies.
Review and rating for 6 Best Car Insurance companies in frankfort ky.
Geico | No 1 Best frankfort ky car Insurance
Pros:
In comparison to other companies in our survey, we have the second-lowest average rates.
- Easy Claims Process
- Lowest rates for bad credit drivers
Cons:
- Higher-than-average rates for DUI drivers
- Inconsistent Customer Service
Key Features of Geico
- Geico offers mechanical breakdown insurance as an optional add-on, which covers the cost of repairs for mechanical and electrical breakdowns beyond normal wear and tear, even if they are not related to an accident.
- Geico offers discounts for active duty and retired military members, including emergency deployment discounts and storage protection discounts.
Allstate | 2nd Best frankfort ky car Insurance
Pros:
- Simple claim submission
- Customer assistance is easily accessible.
Cons:
- Rates are higher than average
- Policy renewal scores is below average
Key Features of Allstate’s
- Allstate’s deductible rewards program offers $100 off on your deductible for every year that you go without an accident.
- If you’re not satisfied with the way your claim was handled, Allstate will refund your deductible
Farm Bureau | 3rd Best auto insurance quotes in frankfort, ky
PROS
- Driveology can help you to get additional discounts by tracking real-time Driving behavior.
- There are several discounts available on it
- Online portal and a mobile app are available.
CONS
- Not accessible in all states
- Optional coverage may be more limited than with other automobile insurance companies.
- There is no live chat functionality.
- Insurance coverage requires Farm Bureau membership.
Key Features of Farm Bureau
- Farm Bureau Car Insurance is only available for the members of the Farm Bureau. It means that the policyholders can access exclusive benefits such as discounts on hotels, car rentals, and more.
- Farm Bureau forgives your first at-fault accident and your premium rates won’t go up.
- If you maintain a good driving record, Farm Bureau reduces your deductible by $100 for every year up to a maximum of $500.
- SmartRide program uses a small device installed in your car to track your driving habits. If you drive safely, you could earn a discount on your insurance rates
Travelers | 4th Best frankfort ky car Insurance
Pros
- According to consumer survey statistics, they are ranked first in claims handling.
- The standard premium is lower than the national standard.
- It has a high financial grade.
- It allows them to manage their policies, file claims, and make payments online.
Cons:
- According to policyholders, customer service is below par.
- Customers are less likely to suggest this insurance than other insurers.
- Limited coverage for high-end vehicles
- Limited coverage for rideshare drivers
State Farm 5th best
Pros:
Customers rate overall customer service and policy renewal as excellent.
Many drivers have lower-than-average annual rates.
Good customer claim service
Cons
Drivers with low credit face higher annual rates.
Customers with poor driving records or credit histories face difficulties due to strict underwriting standards.
Our Ratings:
USAA | 6th Best frankfort ky car Insurance
Pros:
Drivers have lower-than-average rates across the board.
Among other insurers, top-rated for customer service
Cons:
Only USAA members have access to this feature.
Higher deductibles
USAA Car Insurance is only available for active military personnel, veterans, and their families. USAA Car Insurance tailors its products according to the needs of military personnel and their families.
Best frankfort ky car Insurance FAQs
What is Kentucky’s minimum auto insurance coverage?
To drive a car on public roads in Kentucky, you must have at least $25,000/$50,000 in bodily injury liability and $25,000 in property damage coverage, or $60,000 in total liability coverage, and at least $10,000 in personal injury insurance.
Is vehicle insurance in Kentucky expensive?
Kentucky vehicle insurance is expensive compared to other states. It is the 12th most expensive state for limited coverage and the ninth for comprehensive coverage. One of the reasons Kentucky vehicle insurance is so expensive is that it is a no-fault state.
Which company provides the most affordable insurance in Kentucky?
Farm Bureau has the lowest Kentucky minimal coverage estimate at $38 per month. Those who require comprehensive coverage or have a poor driving record can consider State Farm.
How much does vehicle insurance in Kentucky cost?
A minimum-coverage policy in Kentucky costs an average of $73 per month. On average, full coverage costs $170 per month.
What is the cost of vehicle insurance in Louisville versus Lexington?
Vehicle insurance in Lexington is significantly less expensive than in Louisville. Lexington full-coverage auto insurance costs $141 per month, 17% less than the state average. Louisville insurance costs $185 per month and are 9% higher than the national average.
