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Best car insurance in Kentucky for 2024
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Reviewed by
Edited by
Reviewed by
Powered by Coverage.com (NPN: 19966249)
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
Best car insurance companies in Kentucky
The average annual cost of car insurance in Kentucky is $2,705 for full coverage and $779 for minimum coverage. To find the best car insurance companies in Kentucky, we started by analyzing average quoted premiums from the largest insurance carriers by market share using Quadrant Information Services to compile all data. We also took J.D. Power customer satisfaction scores into consideration, as well as financial strength ratings from AM Best and Standard & Poor’s (S&P). We consolidated this information into our proprietary Bankrate Score. The Scores range from 0.0 to 5.0. The higher a company’s Bankrate Score, the higher that carrier ranked in each scoring category.
Concluding our research, we found that Geico, USAA, State Farm, Allstate and Kentucky Farm Bureau were the top car insurance carriers in the state, as shown in the below table.
|
|
|
|
|
|---|---|---|---|
|
4.4
|
$2,462
|
$731
|
|
|
4.2
|
$1,961
|
$512
|
|
|
4.3
|
$2,649
|
$671
|
|
|
3.9
|
$4,872
|
$998
|
|
|
Kentucky Farm Bureau
|
3.4
|
$1,339
|
$426
|
Geico
4.4
4.4
Avg. full coverage premium
$206/mo
Avg. full coverage premium
$2,467/yr
Customer satisfaction
651/1,000
-
Why Geico made our list: Geico offers relatively low average rates for both full and minimum coverage. The company also received the highest financial strength rating that AM Best gives, suggesting that the company is financially sound and has been historically able to pay out on claims. Geico offers a standard array of auto insurance coverage options and many discounts. Potential savings are available for military membership, good drivers, good students, bundling and more. In addition to tying for Best Insurance Company overall in the 2024 Bankrate Awards, Geico also took home top honors for Best Budget Auto Insurance Company and Best for Young Drivers.
Who Geico may be good for: Kentucky drivers who are interested in low average rates and extensive discount possibilities may find that Geico meets their insurance needs.
USAA
4.2
4.2
Avg. full coverage premium
$169/mo
Avg. full coverage premium
$2,027/yr
Customer satisfaction
759/1,000
-
Why USAA made our list: USAA has consistently scored well with J.D. Power in terms of customer satisfaction. The company's low average rates, high Bankrate Score and functional digital tools secure its place as one of the best car insurance companies in Kentucky. However, eligibility is restricted to military members, veterans and their families.
Who USAA may be good for: USAA may be a good choice for shoppers interested in military-focused coverage options and excellent customer service.
State Farm
4.3
4.3
Avg. full coverage premium
$221/mo
Avg. full coverage premium
$2,656/yr
Customer satisfaction
673/1,000
-
Why State Farm made our list: State Farm is the largest private passenger auto insurer in the U.S. by market share. The carrier has a high rating from J.D. Power for customer satisfaction and has average rates that fall well below the state average. The company also received high marks from J.D. Power in the 2024 U.S. Insurance Digital Experience Study for service, and boasts an impressive national network of agents over 19,000 strong.
Who State Farm may be good for: Drivers who prefer multiple policy management options may appreciate State Farm’s highly rated digital tools and vast network of in-person agents.
Allstate
3.9
3.9
Avg. full coverage premium
$406/mo
Avg. full coverage premium
$4,872/yr
Customer satisfaction
634/1,000
-
Why Allstate made our list: Allstate’s wide range of digital tools and robust options for rewards and discounts may help to offset its higher-than-average rates. Potential discounts are available for new cars, early signing and good students. Allstate also has a superior financial strength rating from AM Best. Drivers who value customer service may want to note that the company came in below-average in the J.D. Power customer satisfaction study and holds more complaints than expected with the NAIC.
Who Allstate may be good for: Allstate may be a good company for drivers looking for auto insurance with a strong focus on digital tools. It also offers a telematics program and a pay-per-mile coverage option for drivers who value a more personalized approach to coverage pricing.
Kentucky Farm Bureau
3.4
3.4
Avg. full coverage premium
$112/mo
Avg. full coverage premium
$1,339/yr
Customer satisfaction
687/1,000
-
Why the Kentucky Farm Bureau made our list: The Kentucky Farm Bureau offers relatively low average rates compared to the state and nation. On top of this, the company scored well on the J.D. Power report for customer satisfaction and received an excellent financial strength rating from AM Best. Out of the companies we reviewed, the Kentucky Farm Bureau is the best for Kentucky-specific coverage options. However, the carrier does not meet the robust digital tool quality of some other insurers on this list.
Who Kentucky Farm Bureau may be good for: Kentucky Farm Bureau may be a good option for drivers looking for relatively low-cost coverage that is tailored to the Kentucky area.
How Bankrate chose the best car insurance companies in Kentucky
To come up with our rankings of the best auto insurers in Kentucky, we analyzed a number of factors to influence our final five-point Bankrate Score for each provider. We used third-party ratings to gauge the financial strength and customer satisfaction of each company. We assessed average rates data from Quadrant Information Services and also considered variables like digital tools and product availability in the state to help Kentucky drivers find the best carriers in the state.
Why you can trust Bankrate
Read our full methodologyTo help Kentucky drivers find the best car insurance, Bankrate’s insurance editorial team reviewed some of the largest insurers by market share. We based our picks on a well-rounded analysis of several metrics related to each company.
46
years of industry expertise
122
carriers reviewed
34.5K
ZIP codes examined
1.2M
quotes analyzed
How to find the best car insurance in Kentucky
There are dozens of Kentucky car insurance companies. Doing your research can help you discover which providers offer the best value, and have a good reputation in the industry and with customers. It can be challenging to do all the research on your own, so you may want to start with these steps:
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Powered by Coverage.com (NPN: 19966249)
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
How much is car insurance in Kentucky?
The average cost of car insurance in Kentucky is about equal to the national average, at $2,705 for full coverage and $779 for minimum coverage annually, compared to the national average cost of car insurance of $2,458 for full coverage and $678 per year for minimum coverage. Kentucky drivers also pay more on average than those in neighboring states like Tennessee, where policies cost $2,026 for full coverage and $512 for minimum coverage annually.
Some of the variations in policy pricing may come from the higher instances of extreme weather in Kentucky, like tornadoes. However, drivers may pay more or less than the average based on their age, driving history, vehicle type and ZIP code.
Sorry, we don't have enough data yet on this city yet!
But these other cities in the state may give you some insight.
| City | Avg. annual full coverage premium | Avg. savings vs. state average |
|---|---|---|
| Louisville | $3,139 | +15% |
| La Grange | $2,684 | -1% |
| Lockport | $2,606 | -4% |
| Saint Catharine | $2,729 | +1% |
| Shelbyville | $2,622 | -3% |
| Cloverport | $2,826 | +4% |
| Mc Quady | $2,782 | +3% |
| Rineyville | $2,609 | -4% |
| Maysville | $2,627 | -3% |
| Verona | $2,233 | -19% |
| Walton | $2,199 | -21% |
| Worthville | $2,701 | -0% |
| Ashland | $2,489 | -8% |
| Garrison | $2,528 | -7% |
| Quincy | $2,680 | -1% |
| South Shore | $2,642 | -2% |
| East Point | $3,710 | +31% |
| Meally | $3,655 | +30% |
| Elliottville | $2,930 | +8% |
| Irvine | $2,980 | +10% |
| Paris | $2,443 | -10% |
| Salt Lick | $2,568 | -5% |
| Versailles | $2,320 | -15% |
| Wilmore | $2,206 | -20% |
| Annville | $3,397 | +23% |
| Brodhead | $2,815 | +4% |
| Bloomfield | $2,764 | +2% |
| Finchville | $2,547 | -6% |
| Fisherville | $2,764 | +2% |
| Pendleton | $2,585 | -5% |
| Sulphur | $2,615 | -3% |
| Guston | $2,611 | -4% |
| Payneville | $2,848 | +5% |
| Radcliff | $2,453 | -10% |
| Sedalia | $2,720 | +1% |
| Bowling Green | $2,269 | -18% |
| Adolphus | $2,595 | -4% |
| Cave City | $2,558 | -6% |
| Lucas | $2,380 | -13% |
| Clifty | $2,650 | -2% |
| Elkton | $2,599 | -4% |
| Roundhill | $2,538 | -6% |
| Russellville | $2,579 | -5% |
| Sharon Grove | $2,671 | -1% |
| Hickman | $2,607 | -4% |
| Glasgow | $2,362 | -14% |
| Allensville | $2,573 | -5% |
| Cerulean | $2,689 | -1% |
| Olmstead | $2,357 | -14% |
| Buckner | $2,522 | -7% |
| Campbellsburg | $2,606 | -4% |
| Bradfordsville | $2,754 | +2% |
| Pine Knot | $2,967 | +9% |
| Burkesville | $2,615 | -3% |
| Greensburg | $2,766 | +2% |
| Horse Cave | $2,635 | -3% |
| Mount Sherman | $2,555 | -6% |
| Upton | $2,802 | +4% |
| Elizabethtown | $2,575 | -5% |
| Elk Horn | $2,746 | +2% |
| Rhodelia | $2,667 | -1% |
| Loretto | $2,932 | +8% |
| Pewee Valley | $2,475 | -9% |
| Fairdale | $2,924 | +8% |
| Garfield | $2,798 | +3% |
| Muldraugh | $2,716 | +0% |
| West Point | $2,507 | -8% |
| Bremen | $2,564 | -5% |
| Browder | $2,533 | -7% |
| Dundee | $2,538 | -6% |
| Sacramento | $2,735 | +1% |
| South Carrollton | $2,519 | -7% |
| Nortonville | $2,716 | +0% |
| Sturgis | $2,742 | +1% |
| Somerset | $2,943 | +8% |
| Bronston | $2,672 | -1% |
| Dunnville | $2,811 | +4% |
| Fairfield | $2,880 | +6% |
| Harrods Creek | $2,956 | +9% |
| Battletown | $2,913 | +7% |
| Custer | $2,793 | +3% |
| Ekron | $2,754 | +2% |
| Falls Of Rough | $2,805 | +4% |
| Hardinsburg | $2,652 | -2% |
| Hudson | $2,656 | -2% |
| Irvington | $2,858 | +6% |
| Shepherdsville | $2,676 | -1% |
| Union Star | $2,824 | +4% |
| Westview | $2,754 | +2% |
| Mount Washington | $2,564 | -5% |
| New Haven | $2,696 | -0% |
| Clermont | $2,628 | -3% |
| Harned | $2,649 | -2% |
| Revelo | $2,866 | +6% |
| Goshen | $2,757 | +2% |
| Mackville | $2,697 | -0% |
| Nerinx | $2,743 | +1% |
| Prospect | $2,565 | -5% |
| Taylorsville | $2,944 | +8% |
| Turners Station | $2,616 | -3% |
| Vine Grove | $2,494 | -8% |
| Cub Run | $2,796 | +3% |
| Eastview | $2,544 | -6% |
| Knifley | $2,503 | -8% |
| Leitchfield | $2,770 | +2% |
| White Mills | $2,716 | +0% |
| Pine Ridge | $2,938 | +8% |
| Vancleve | $3,421 | +23% |
| Pikeville | $3,580 | +28% |
| Mc Andrews | $3,707 | +31% |
| Majestic | $3,574 | +28% |
| David | $3,777 | +33% |
| Gunlock | $3,598 | +28% |
| Melvin | $3,535 | +27% |
| Lexington | $2,257 | -18% |
| Woodbine | $3,372 | +22% |
| Ages Brookside | $3,434 | +24% |
| Bledsoe | $3,540 | +27% |
| Burna | $2,660 | -2% |
| Clinton | $2,631 | -3% |
| Farmington | $2,529 | -7% |
| Breeding | $2,478 | -9% |
| Gradyville | $2,468 | -9% |
| Sonora | $2,695 | -0% |
| Whitley City | $2,969 | +9% |
| Big Clifty | $2,615 | -3% |
| Glens Fork | $2,516 | -7% |
| Bonnieville | $2,789 | +3% |
| Campbellsville | $2,556 | -6% |
| Canmer | $2,782 | +3% |
| Dubre | $2,760 | +2% |
| Munfordville | $2,793 | +3% |
| Jonesville | $2,660 | -2% |
| Milford | $3,018 | +11% |
| Williamstown | $2,545 | -6% |
| West Van Lear | $3,675 | +30% |
| Marshes Siding | $2,900 | +7% |
| Cecilia | $2,597 | -4% |
| Glendale | $2,534 | -7% |
| Parkers Lake | $2,802 | +4% |
| Stearns | $2,938 | +8% |
| Hazel | $2,447 | -10% |
| Milburn | $2,718 | +1% |
| Austin | $2,402 | -12% |
| Etoile | $2,565 | -5% |
| Glenview | $2,566 | -5% |
| Lebanon | $2,932 | +8% |
| Raywick | $2,754 | +2% |
| Saint Mary | $3,272 | +19% |
| Stephensport | $2,669 | -1% |
| Bonnyman | $3,694 | +31% |
| Cornettsville | $3,654 | +30% |
| Fisty | $3,578 | +28% |
| Cromona | $3,629 | +29% |
| Mousie | $3,436 | +24% |
| Almo | $2,442 | -10% |
| Gulston | $3,227 | +18% |
| Helton | $3,555 | +27% |
| Hoskinston | $3,658 | +30% |
| Eastwood | $2,855 | +5% |
| Sandgap | $3,469 | +25% |
| Keavy | $3,057 | +12% |
| London | $3,062 | +12% |
| Williamsburg | $3,156 | +15% |
| Big Laurel | $3,488 | +25% |
| Mayslick | $2,473 | -9% |
| Morning View | $2,243 | -19% |
| Argillite | $2,651 | -2% |
| Catlettsburg | $2,597 | -4% |
| Flatwoods | $2,597 | -4% |
| Greenup | $2,660 | -2% |
| Olive Hill | $2,820 | +4% |
| Sitka | $3,615 | +29% |
| Stambaugh | $3,649 | +30% |
| Williamsport | $3,638 | +29% |
| Beattyville | $3,418 | +23% |
| Booneville | $3,548 | +27% |
| Gravel Switch | $2,732 | +1% |
| Means | $2,544 | -6% |
| Berea | $2,313 | -16% |
| Grand Rivers | $2,843 | +5% |
| La Center | $2,735 | +1% |
| Kuttawa | $2,558 | -6% |
| Lowes | $2,956 | +9% |
| Mayfield | $2,705 | +0% |
| Murray | $2,575 | -5% |
| Kevil | $2,485 | -8% |
| Lovelaceville | $2,701 | -0% |
| Wickliffe | $2,579 | -5% |
| Alvaton | $2,204 | -20% |
| Fort Campbell | $2,627 | -3% |
| Lewisburg | $2,644 | -2% |
| Morgantown | $2,567 | -5% |
| Oak Grove | $2,617 | -3% |
| Rochester | $2,563 | -5% |
| Denniston | $3,131 | +15% |
| New Liberty | $2,641 | -2% |
| Winchester | $2,427 | -11% |
| Farmers | $2,927 | +8% |
| Preston | $2,886 | +7% |
| Richmond | $2,147 | -23% |
| Junction City | $2,615 | -3% |
| Orlando | $3,066 | +13% |
| Wildie | $3,420 | +23% |
| Russell Springs | $2,688 | -1% |
| Buffalo | $2,551 | -6% |
| Hodgenville | $2,512 | -7% |
| Millwood | $2,730 | +1% |
| Kirksey | $2,461 | -9% |
| Ledbetter | $2,812 | +4% |
| Beaumont | $2,655 | -2% |
| Smiths Grove | $2,594 | -4% |
| Auburn | $2,362 | -14% |
| Bee Spring | $2,763 | +2% |
| Center | $2,475 | -9% |
| Rockfield | $2,237 | -19% |
| Trenton | $2,410 | -12% |
| Wingo | $2,726 | +1% |
| Edmonton | $2,492 | -8% |
| Franklin | $2,513 | -7% |
| Woodburn | $2,269 | -18% |
| Jetson | $2,656 | -2% |
| New Castle | $2,612 | -3% |
| Smithfield | $2,597 | -4% |
| Willisburg | $2,897 | +7% |
| Fort Knox | $2,729 | +1% |
| Lebanon Junction | $2,787 | +3% |
| Mc Daniels | $2,601 | -4% |
| Asher | $3,575 | +28% |
| Hardyville | $2,768 | +2% |
| Marrowbone | $2,709 | +0% |
| Knob Lick | $2,612 | -3% |
| Crofton | $2,718 | +1% |
| Kettle Island | $3,377 | +22% |
| Strunk | $2,947 | +9% |
| Caneyville | $2,621 | -3% |
| Magnolia | $2,798 | +3% |
| West Paducah | $2,443 | -10% |
| Eighty Eight | $2,380 | -13% |
| Oakland | $2,307 | -16% |
| Tompkinsville | $2,622 | -3% |
| Cadiz | $2,722 | +1% |
| Jamestown | $2,667 | -1% |
| Monticello | $2,638 | -3% |
| Clarkson | $2,806 | +4% |
| Columbia | $2,493 | -8% |
| Summersville | $2,771 | +2% |
| Beechmont | $2,554 | -6% |
| Central City | $2,716 | +0% |
| Hawesville | $2,504 | -8% |
| Olaton | $2,700 | -0% |
| Philpot | $2,211 | -20% |
| Ferguson | $2,968 | +9% |
| Rousseau | $3,345 | +21% |
| Malone | $3,493 | +25% |
| Canada | $3,598 | +28% |
| Fedscreek | $3,680 | +31% |
| Phelps | $3,735 | +32% |
| Blue River | $3,600 | +28% |
| Garrett | $3,570 | +28% |
| Grethel | $3,587 | +28% |
| Hueysville | $3,657 | +30% |
| Salem | $2,757 | +2% |
| Smithland | $2,721 | +1% |
| Drake | $2,503 | -8% |
| Summer Shade | $2,463 | -9% |
| Midway | $2,203 | -20% |
| Nicholasville | $2,202 | -20% |
| Hardin | $2,471 | -9% |
| Melber | $2,703 | -0% |
| Symsonia | $2,474 | -9% |
| Mount Hermon | $2,602 | -4% |
| Rocky Hill | $2,444 | -10% |
| Fairview | $2,841 | +5% |
| Mount Eden | $2,747 | +2% |
| Nazareth | $2,812 | +4% |
| Pleasureville | $2,614 | -3% |
| Port Royal | $2,630 | -3% |
| Simpsonville | $2,482 | -9% |
| Brooks | $2,626 | -3% |
| Gamaliel | $2,432 | -11% |
| Holland | $2,415 | -11% |
| Aberdeen | $2,517 | -7% |
| Brownsville | $2,543 | -6% |
| Dunbar | $2,531 | -7% |
| Gracey | $2,678 | -1% |
| Herndon | $2,634 | -3% |
| La Fayette | $2,631 | -3% |
| Pembroke | $2,643 | -2% |
| Bedford | $2,739 | +1% |
| Chaplin | $2,646 | -2% |
| Eminence | $2,612 | -3% |
| Drakesboro | $2,571 | -5% |
| Lewisport | $2,426 | -11% |
| Hanson | $2,669 | -1% |
| Manitou | $2,464 | -9% |
| Spottsville | $2,390 | -12% |
| Georgetown | $2,389 | -12% |
| Harrodsburg | $2,611 | -4% |
| Olympia | $2,520 | -7% |
| Sadieville | $2,404 | -12% |
| Bighill | $2,671 | -1% |
| Gray Hawk | $3,788 | +33% |
| Mc Kinney | $2,766 | +2% |
| Ravenna | $3,208 | +17% |
| Frankfort | $2,509 | -7% |
| Corbin | $3,089 | +13% |
| East Bernstadt | $2,983 | +10% |
| Cawood | $3,331 | +21% |
| Lily | $2,894 | +7% |
| Salvisa | $2,551 | -6% |
| Sharpsburg | $2,693 | -0% |
| Hustonville | $2,825 | +4% |
| Frenchburg | $3,123 | +14% |
| Millersburg | $2,466 | -9% |
| Stamping Ground | $2,336 | -15% |
| Danville | $2,608 | -4% |
| Chappell | $3,643 | +30% |
| Dayhoit | $3,403 | +23% |
| Harlan | $3,452 | +24% |
| Pathfork | $3,513 | +26% |
| Roark | $3,570 | +28% |
| Sextons Creek | $3,668 | +30% |
| Dover | $2,517 | -7% |
| Foster | $2,732 | +1% |
| Lawrenceburg | $2,560 | -5% |
| Waco | $2,398 | -12% |
| Wellington | $3,147 | +15% |
| Coalgood | $3,270 | +19% |
| Totz | $3,408 | +23% |
| Brooksville | $2,711 | +0% |
| Corinth | $2,407 | -12% |
| Dry Ridge | $2,674 | -1% |
| Ewing | $2,496 | -8% |
| Mize | $3,243 | +18% |
| Rowdy | $3,486 | +25% |
| Saint Helens | $3,507 | +26% |
| Burdine | $3,425 | +23% |
| Phyllis | $3,715 | +31% |
| Allen | $3,472 | +25% |
| Betsy Layne | $3,602 | +28% |
| Eastern | $3,568 | +28% |
| Essie | $3,424 | +23% |
| Evarts | $3,323 | +21% |
| Hulen | $3,381 | +22% |
| Lejunior | $3,598 | +28% |
| Shelbiana | $3,565 | +27% |
| Dana | $3,560 | +27% |
| Drift | $3,676 | +30% |
| Hi Hat | $3,744 | +32% |
| Minnie | $3,624 | +29% |
| Stanford | $2,783 | +3% |
| Waynesburg | $2,778 | +3% |
| Rockholds | $3,083 | +13% |
| Dexter | $2,612 | -3% |
| Eddyville | $2,552 | -6% |
| Kenton | $2,657 | -2% |
| Bellevue | $2,122 | -24% |
| Isonville | $3,352 | +21% |
| Rush | $2,433 | -11% |
| Soldier | $2,812 | +4% |
| Beauty | $3,547 | +27% |
| Hagerhill | $3,684 | +31% |
| Keaton | $3,601 | +28% |
| Paintsville | $3,693 | +31% |
| River | $3,495 | +26% |
| Campton | $3,477 | +25% |
| Bardstown | $2,874 | +6% |
| Independence | $2,228 | -19% |
| Silver Grove | $2,190 | -21% |
| Washington | $2,672 | -1% |
| Denton | $2,790 | +3% |
| Warfield | $3,614 | +29% |
| Bethlehem | $2,617 | -3% |
| Coxs Creek | $2,713 | +0% |
| Lancaster | $2,475 | -9% |
| Paint Lick | $2,549 | -6% |
| Calvin | $3,392 | +23% |
| Teaberry | $3,676 | +30% |
| Busy | $3,802 | +34% |
| Delphia | $3,429 | +24% |
| Wooton | $3,515 | +26% |
| Deane | $3,419 | +23% |
| Ermine | $3,487 | +25% |
| Littcarr | $3,374 | +22% |
| Pine Top | $3,400 | +23% |
| Redfox | $3,410 | +23% |
| Printer | $3,697 | +31% |
| Carrie | $3,502 | +26% |
| Dayton | $2,098 | -25% |
| Fort Thomas | $2,049 | -28% |
| Sanders | $2,888 | +7% |
| Sparta | $2,790 | +3% |
| Blaine | $3,416 | +23% |
| Grayson | $2,647 | -2% |
| Hitchins | $2,778 | +3% |
| Russell | $2,608 | -4% |
| Adams | $3,363 | +22% |
| Thelma | $3,732 | +32% |
| Ulysses | $3,277 | +19% |
| Masonic Home | $2,799 | +3% |
| New Hope | $2,925 | +8% |
| Springfield | $2,756 | +2% |
| Waddy | $2,464 | -9% |
| Boston | $2,698 | -0% |
| Webster | $2,663 | -2% |
| Melbourne | $2,314 | -16% |
| Minerva | $2,779 | +3% |
| Mount Olivet | $2,591 | -4% |
| Petersburg | $2,344 | -14% |
| Union | $2,176 | -22% |
| Wallingford | $2,484 | -8% |
| Martha | $3,188 | +16% |
| Flatgap | $3,757 | +33% |
| Pilgrim | $3,746 | +32% |
| Tutor Key | $3,573 | +28% |
| Newport | $2,341 | -14% |
| Emerson | $2,630 | -3% |
| Mazie | $3,312 | +20% |
| South Portsmouth | $2,470 | -9% |
| Wittensville | $3,659 | +30% |
| Rockport | $2,518 | -7% |
| Saint Charles | $2,714 | +0% |
| Wheatcroft | $2,612 | -4% |
| Burnside | $2,999 | +10% |
| Warsaw | $2,706 | +0% |
| Sandy Hook | $3,295 | +20% |
| Debord | $3,694 | +31% |
| Lovely | $3,538 | +27% |
| Van Lear | $3,722 | +32% |
| Cromwell | $2,688 | -1% |
| Livermore | $2,695 | -0% |
| Princeton | $2,756 | +2% |
| Uniontown | $2,502 | -8% |
| Liberty | $2,835 | +5% |
| Windsor | $2,632 | -3% |
| Muses Mills | $2,636 | -3% |
| Plummers Landing | $2,869 | +6% |
| Worthington | $2,620 | -3% |
| Louisa | $3,257 | +19% |
| Tomahawk | $3,639 | +29% |
| Graham | $2,604 | -4% |
| Hartford | $2,536 | -6% |
| Horse Branch | $2,558 | -6% |
| Clay | $2,860 | +6% |
| Dixon | $2,647 | -2% |
| Earlington | $2,537 | -6% |
| Morganfield | $2,711 | +0% |
| Providence | $2,628 | -3% |
| Nancy | $2,730 | +1% |
| Stanville | $3,485 | +25% |
| Hazard | $3,451 | +24% |
| Vicco | $3,514 | +26% |
| Yerkes | $3,745 | +32% |
| Isom | $3,303 | +20% |
| Leburn | $3,333 | +21% |
| Paducah | $2,446 | -10% |
| Columbus | $2,556 | -6% |
| Fulton | $2,761 | +2% |
| Woodbury | $2,948 | +9% |
| West Louisville | $2,496 | -8% |
| Robards | $2,404 | -12% |
| Sullivan | $2,738 | +1% |
| White Plains | $2,727 | +1% |
| Yosemite | $2,608 | -4% |
| Eubank | $2,782 | +3% |
| Albany | $2,606 | -4% |
| Beech Creek | $2,727 | +1% |
| Cleaton | $2,547 | -6% |
| Curdsville | $2,619 | -3% |
| Fredonia | $2,779 | +3% |
| Slaughters | $2,597 | -4% |
| Mason | $2,692 | -0% |
| Vanceburg | $2,553 | -6% |
| Tollesboro | $2,640 | -2% |
| Boons Camp | $3,748 | +32% |
| Lowmansville | $3,353 | +21% |
| Staffordsville | $3,553 | +27% |
| Bays | $3,365 | +22% |
| Clayhole | $3,452 | +24% |
| Mc Kee | $3,337 | +21% |
| Mount Vernon | $3,183 | +16% |
| Gray | $3,394 | +23% |
| Baxter | $3,286 | +19% |
| Benham | $3,187 | +16% |
| Crestwood | $2,642 | -2% |
| Rumsey | $2,533 | -7% |
| Mortons Gap | $2,527 | -7% |
| New Concord | $2,623 | -3% |
| Fountain Run | $2,410 | -12% |
| Hopkinsville | $2,474 | -9% |
| Sweeden | $2,555 | -6% |
| Bagdad | $2,443 | -10% |
| Maceo | $2,193 | -21% |
| Utica | $2,429 | -11% |
| Baskett | $2,829 | +4% |
| Corydon | $2,609 | -4% |
| Henderson | $2,572 | -5% |
| Madisonville | $2,712 | +0% |
| Prestonsburg | $3,668 | +30% |
| Avawam | $3,471 | +25% |
| Buckhorn | $3,600 | +28% |
| Hyden | $3,761 | +33% |
| Sassafras | $3,400 | +23% |
| Thousandsticks | $3,750 | +32% |
| Millstone | $3,383 | +22% |
| Neon | $3,401 | +23% |
| Dema | $3,495 | +25% |
| Topmost | $3,563 | +27% |
| Barlow | $2,567 | -5% |
| Ary | $3,448 | +24% |
| Bear Branch | $3,791 | +33% |
| Chavies | $3,683 | +31% |
| Happy | $3,560 | +27% |
| Sizerock | $3,518 | +26% |
| Slemp | $3,517 | +26% |
| Garner | $3,422 | +23% |
| Linefork | $3,328 | +21% |
| Whitesburg | $3,432 | +24% |
| Raven | $3,375 | +22% |
| Arlington | $2,558 | -6% |
| Carlisle | $2,568 | -5% |
| Clearfield | $2,746 | +2% |
| Hope | $2,671 | -1% |
| Moorefield | $2,501 | -8% |
| Owenton | $2,748 | +2% |
| Owingsville | $2,490 | -8% |
| Perry Park | $2,856 | +5% |
| Owensboro | $2,284 | -17% |
| Beaver Dam | $2,519 | -7% |
| Calhoun | $2,544 | -6% |
| Fordsville | $2,573 | -5% |
| Greenville | $2,715 | +0% |
| Reynolds Station | $2,561 | -5% |
| Dawson Springs | $2,607 | -4% |
| Science Hill | $2,775 | +3% |
| Alpha | $2,717 | +0% |
| Burgin | $2,435 | -11% |
| Clay City | $2,624 | -3% |
| Jeffersonville | $2,587 | -4% |
| Slade | $2,834 | +5% |
| Stanton | $2,827 | +4% |
| Webbville | $3,354 | +21% |
| Inez | $3,742 | +32% |
| Oil Springs | $3,637 | +29% |
| Cranks | $3,441 | +24% |
| Kenvir | $3,445 | +24% |
| Lynch | $3,292 | +20% |
| Mary Alice | $3,339 | +21% |
| Pineville | $3,440 | +24% |
| Covington | $2,286 | -17% |
| Ghent | $2,683 | -1% |
| Nebo | $2,565 | -5% |
| Poole | $2,533 | -7% |
| Smith Mills | $2,424 | -11% |
| Middleburg | $2,821 | +4% |
| West Somerset | $2,866 | +6% |
| Jackson | $3,604 | +29% |
| Vincent | $3,472 | +25% |
| Gilbertsville | $2,488 | -8% |
| Hampton | $2,750 | +2% |
| Hickory | $2,703 | -0% |
| Lynnville | $2,747 | +2% |
| Marion | $2,906 | +7% |
| Tiline | $2,629 | -3% |
| Water Valley | $2,587 | -4% |
| Hestand | $2,398 | -12% |
| Park City | $2,637 | -3% |
| Scottsville | $2,599 | -4% |
| Adairville | $2,480 | -9% |
| Guthrie | $2,563 | -5% |
| Mammoth Cave | $2,732 | +1% |
| Island | $2,496 | -8% |
| Maple Mount | $2,536 | -6% |
| Powderly | $2,548 | -6% |
| Rosine | $2,526 | -7% |
| Rogers | $3,282 | +19% |
| Elkfork | $3,271 | +19% |
| Forest Hills | $3,605 | +29% |
| Mc Carr | $3,786 | +33% |
| Robinson Creek | $3,580 | +28% |
| Virgie | $3,635 | +29% |
| Milton | $2,732 | +1% |
| Saint Francis | $2,912 | +7% |
| Westport | $2,561 | -5% |
| Brandenburg | $2,696 | -0% |
| Siler | $3,128 | +15% |
| Yeaddiss | $3,537 | +27% |
| Morehead | $2,730 | +1% |
| Mount Sterling | $2,543 | -6% |
| Crab Orchard | $2,786 | +3% |
| Centertown | $2,698 | -0% |
| Dunmor | $2,697 | -0% |
| Whitesville | $2,488 | -8% |
| Reed | $2,356 | -14% |
| Sebree | $2,604 | -4% |
| Waverly | $2,505 | -8% |
| Bethelridge | $2,790 | +3% |
| Tateville | $2,935 | +8% |
| Livingston | $3,328 | +21% |
| Parksville | $2,616 | -3% |
| Perryville | $2,623 | -3% |
| Renfro Valley | $3,420 | +23% |
| Tyner | $3,523 | +26% |
| Pittsburg | $3,271 | +19% |
| Freeburn | $3,785 | +33% |
| Jenkins | $3,438 | +24% |
| Lookout | $3,696 | +31% |
| Regina | $3,487 | +25% |
| Stone | $3,699 | +31% |
| Stopover | $3,791 | +33% |
| Ashcamp | $3,560 | +27% |
| Fords Branch | $3,542 | +27% |
| Steele | $3,693 | +31% |
| Banner | $3,581 | +28% |
| Ivel | $3,541 | +27% |
| Lackey | $3,552 | +27% |
| Langley | $3,670 | +30% |
| Martin | $3,559 | +27% |
| Whick | $3,466 | +25% |
| Royalton | $3,649 | +30% |
| Elkhorn City | $3,680 | +31% |
| Mouthcard | $3,558 | +27% |
| Myra | $3,604 | +29% |
| Ransom | $3,677 | +30% |
| Harold | $3,597 | +28% |
| Wayland | $3,554 | +27% |
| Scuddy | $3,618 | +29% |
| Vest | $3,365 | +22% |
| Hindman | $3,539 | +27% |
| Premium | $3,523 | +26% |
| Crayne | $2,796 | +3% |
| Cunningham | $2,529 | -7% |
| Kings Mountain | $2,803 | +4% |
| Mitchellsburg | $2,846 | +5% |
| Waneta | $3,524 | +26% |
| Mozelle | $3,648 | +30% |
| Bimble | $3,414 | +23% |
| Fall Rock | $3,633 | +29% |
| Oneida | $3,741 | +32% |
| Saul | $3,576 | +28% |
| Flemingsburg | $2,462 | -9% |
| Germantown | $2,707 | +0% |
| Hillsboro | $2,673 | -1% |
| Cumberland | $3,253 | +18% |
| Holmes Mill | $3,459 | +24% |
| Loyall | $3,319 | +20% |
| Arjay | $3,277 | +19% |
| Barbourville | $3,397 | +23% |
| Bryants Store | $3,083 | +13% |
| Flat Lick | $3,406 | +23% |
| Girdler | $3,428 | +24% |
| Goose Rock | $3,828 | +34% |
| Hinkle | $3,417 | +23% |
| Lone | $3,366 | +22% |
| Lost Creek | $3,553 | +27% |
| Salyersville | $3,812 | +34% |
| Belfry | $3,689 | +31% |
| Hardy | $3,755 | +33% |
| Jonancy | $3,506 | +26% |
| Shelby Gap | $3,479 | +25% |
| Sidney | $3,651 | +30% |
| Beaver | $3,568 | +28% |
| Dwale | $3,497 | +26% |
| Mc Dowell | $3,706 | +31% |
| Stinnett | $3,600 | +28% |
| Warbranch | $3,680 | +31% |
| Beverly | $3,260 | +19% |
| Closplint | $3,428 | +24% |
| Frakes | $2,979 | +10% |
| Garrard | $3,674 | +30% |
| Scalf | $3,213 | +17% |
| Hebron | $2,172 | -22% |
| Emmalena | $3,513 | +26% |
| Jeff | $3,630 | +29% |
| Kite | $3,530 | +26% |
| Roxana | $3,317 | +20% |
| Calvert City | $2,640 | -2% |
| Dycusburg | $2,909 | +7% |
| Tram | $3,620 | +29% |
| Combs | $3,643 | +30% |
| Krypton | $3,696 | +31% |
| Viper | $3,505 | +26% |
| Mistletoe | $3,351 | +21% |
| Ezel | $3,268 | +19% |
| West Liberty | $3,348 | +21% |
| Huddy | $3,673 | +30% |
| Rockhouse | $3,497 | +26% |
| Auxier | $3,506 | +26% |
| Smilax | $3,638 | +29% |
| Blackey | $3,532 | +27% |
| Mallie | $3,274 | +19% |
| Bardwell | $2,549 | -6% |
| Benton | $2,640 | -2% |
| Boaz | $2,573 | -5% |
| Zoe | $3,286 | +19% |
| Cannel City | $3,381 | +22% |
| Crockett | $3,493 | +25% |
| South Williamson | $3,697 | +31% |
| Kimper | $3,601 | +28% |
| Raccoon | $3,619 | +29% |
| Walker | $3,399 | +23% |
| Butler | $2,645 | -2% |
| Latonia | $2,196 | -21% |
| Elizaville | $2,861 | +6% |
| Putney | $3,450 | +24% |
| Cannon | $3,366 | +22% |
| Heidrick | $3,404 | +23% |
| Ingram | $3,396 | +23% |
| Middlesboro | $3,378 | +22% |
| Trosper | $3,404 | +23% |
| Augusta | $2,733 | +1% |
| Falmouth | $2,687 | -1% |
| Glencoe | $2,734 | +1% |
| Eolia | $3,393 | +23% |
| Partridge | $3,366 | +22% |
| Wallins Creek | $3,328 | +21% |
| Big Creek | $3,533 | +27% |
| Green Road | $3,386 | +22% |
| Hima | $3,666 | +30% |
| Manchester | $3,772 | +33% |
| Berry | $2,567 | -5% |
| Coldiron | $3,257 | +19% |
| Grays Knob | $3,276 | +19% |
| Artemus | $3,359 | +22% |
| Erlanger | $2,314 | -16% |
| Miracle | $3,423 | +23% |
| Fourmile | $3,241 | +18% |
| California | $2,173 | -22% |
| Ft Mitchell | $2,182 | -21% |
| Crittenden | $2,443 | -10% |
| De Mossville | $2,654 | -2% |
| Stoney Fork | $3,422 | +23% |
| Alexandria | $2,175 | -22% |
| Burlington | $2,157 | -23% |
| Florence | $2,175 | -22% |
| Ricetown | $3,254 | +18% |
| Falcon | $3,728 | +32% |
| Belcher | $3,584 | +28% |
| Hellier | $3,549 | +27% |
| Lick Creek | $3,612 | +29% |
| Pinsonfork | $3,784 | +33% |
| Varney | $3,586 | +28% |
| Bevinsville | $3,617 | +29% |
| Bypro | $3,645 | +30% |
| Hazel Green | $3,507 | +26% |
| Carrollton | $2,859 | +6% |
| Cynthiana | $2,636 | -3% |
| Wendover | $3,524 | +26% |
| Letcher | $3,396 | +23% |
| Seco | $3,500 | +26% |
| Belton | $2,566 | -5% |
| Mc Henry | $2,478 | -9% |
| Weeksbury | $3,692 | +31% |
| Jackhorn | $3,357 | +22% |
| Jeremiah | $3,541 | +27% |
| Wheelwright | $3,749 | +32% |
| Bulan | $3,474 | +25% |
| Dwarf | $3,476 | +25% |
| Gays Creek | $3,546 | +27% |
| Gordon | $3,521 | +26% |
| Hallie | $3,402 | +23% |
| Mc Roberts | $3,360 | +22% |
| Mayking | $3,373 | +22% |
| Pippa Passes | $3,372 | +22% |
| Thornton | $3,405 | +23% |
| Bandana | $2,562 | -5% |
| Fancy Farm | $2,508 | -8% |
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Frequently asked questions
Methodology
Bankrate utilizes Quadrant Information Services to analyze November 2024 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Rates are weighted based on the population density in each geographic region. Quoted rates for our base profile are based on the following characteristics and coverage levels:
Bodily injury liability
$100,000 per person$300,000 per accident
Property damage liability
$50,000 per accidentPersonal injury protection
$100,000 per accidentUninsured motorist bodily injury
$100,000 per person$300,000 per accident
Collision deductible
$500Comprehensive deductible
$500These are sample rates and should only be used for comparative purposes.
Bankrate Scores
Our 2024 Bankrate Score considers variables our insurance editorial team determined impacts policyholders’ experiences with an insurance company. These rating factors include a robust assessment of each company’s product availability, financial strength ratings, online capabilities and customer and claims support accessibility. Each factor was added to a category, and these categories were weighted in a tiered approach to analyze how companies perform in key customer-impacting categories.
Each category was assigned a metric to determine performance, and the weighted sum adds up to a company’s total Bankrate Score — out of 5 points. Our scoring model provides a comprehensive view, indicating when companies excel across several key areas and highlighting where they fall short.
-
Cost & ratings 50%
-
Coverage & savings 30%
-
Support 20%
- Tier 1 (Cost & ratings): To determine how well auto and home insurance companies satisfy these priorities, average quoted premiums from Quadrant Information Services (if available), as well as any of the latest third-party agency ratings from J.D. Power, AM Best, Demotech and the NAIC, were analyzed.
- Tier 2 (Coverage & savings): We assessed companies’ coverage options and availability to help policyholders find a provider that balances cost with coverage. Additionally, we evaluated each company’s discount options listed on its website.
- Tier 3 (Support): To encompass the many ways an auto insurance company can support policyholders, we analyzed avenues of customer accessibility along with community support. This analysis incorporated additional financial strength ratings from S&P and Moody’s and factored a company’s corporate sustainability efforts.