Country Guide
Best Car Insurance in Kentucky (2026)
Kentucky is a choice no-fault state. Compare top carriers to navigate KY insurance requirements and find the best rates.
By Itai Varochik | Updated February 20, 2026
Top Exchanges in Kentucky
| # | Exchange | Best For | Fees | Type |
|---|---|---|---|---|
| 1 | State Farm | Agent network | $1,680/yr | — |
| 2 | USAA | Military families | $1,240/yr | — |
| 3 | GEICO | Budget auto | $1,440/yr | — |
| 4 | Progressive | High-risk drivers | $1,800/yr | — |
| 5 | Erie Insurance | Claims satisfaction | $1,520/yr | — |