Best Cheap Auto Insurance Quotes for Teenage Males in Kentucky

Best Cheap Auto Insurance Quotes for Teenage Males in Kentucky

Our editors keep telling us that when writing about car insurance, the word affordable should never be used anywhere in the article to describe car insurance prices. Notwithstanding, cheap car insurance for teenage males is not easy to find. But don’t despair, because we are going to show you how you can still find and buy auto insurance that doesn’t break your budget.

The vehicle to be insured is one of the main factors when looking for the best cheap car insurance for teenage males in Kentucky. Vehicles with limited speed and performance, modern passenger safety features, or a positive history of liability claims will cost significantly less to insure than high performance models. The next list ranks auto insurance prices for some of the most cost-effective vehicles to buy insurance for.

Cheapest Auto Insurance Rates for Teenage Males in Kentucky
Vehicle Make and Model Estimated Cost for Full Coverage
Honda CR-V LX 4WD $3,328
Ford Escape XLT 4WD $3,359
Honda Accord EX-L 4-Dr Sedan $3,564
Hyundai Elantra SE Touring Station Wagon $3,569
Toyota Prius $3,597
Chevrolet Traverse LTZ 2WD $3,604
Dodge Grand Caravan CV $3,744
Subaru Forester XT Limited Edition AWD $3,832
Ford Focus S 4-Dr Sedan $3,918
Ford Fusion S 4-Dr Sedan $3,949
Toyota Tacoma Double Cab 4WD $3,957
Toyota Sienna LE $3,949
Toyota RAV4 Sport 2WD $3,956
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Table data represents single male driver age 16, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Kentucky minimum liability limits. Discounts applied include claim-free, and safe-driver. Premium costs do not factor in specific location which can impact insurance rates considerably.

Looking at the numbers, models like the Honda CR-V, Ford Escape, and Honda Accord should be the less-costly vehicles to insure for teen boys. Car insurance rates will be more costly just due to the fact that there is more inherent risk for teenage males, but overall those models will have the cheapest rates available.

When buying car insurance for teen boys, one of the key factors used to establish the amount you pay each year for auto insurance is your address in Kentucky. Regions with more people or even just more weather-related claims like Louisville, Ashland, and Saint Matthews tend to have more expensive car insurance rates, whereas areas that are not as densely populated benefit from lower prices.

The following table lists the most costly cities in Kentucky for teenage males to purchase auto insurance in.

Kentucky cities ranked by car insurance cost
Rank City Annual Rate
1 Louisville $2,090
2 Frankfort $1,795
3 Ashland $1,724
4 Jeffersontown $1,719
5 Saint Matthews $1,694
6 Radcliff $1,638
7 Madisonville $1,600
8 Paducah $1,599
9 Danville $1,596
10 Elizabethtown $1,595
11 Murray $1,565
12 Winchester $1,563
13 Henderson $1,557
14 Richmond $1,535
15 Covington $1,532
16 Hopkinsville $1,523
17 Georgetown $1,491
18 Lexington $1,469
19 Bowling Green $1,461
20 Nicholasville $1,459
21 Fort Thomas $1,455
22 Florence $1,441
23 Owensboro $1,432
24 Independence $1,422
25 Erlanger $1,420
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Prices are comparative as specific location information can lower or raise premium rates greatly.

Finding good, budget insurance is difficult, and finding out which companies have the lowest-priced insurance rates for teenage males takes even more perseverance. Insurance rates will probably be quite a bit pricier than the average price in Kentucky, with the extra cost attributed to the added risk associated with selling coverage for teen boys, but reasonable coverage should be obtainable if you shop around.

Every car insurance company uses their own method to set premium rates, so let’s begin by examining the most budget-friendly insurance companies in Kentucky.

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Kentucky car insurance ranked by cost per year
Rank Company Cost Per Year
1 Cincinnati Insurance $1,126
2 Kentucky Farm Bureau $1,139
3 USAA $1,211
4 Auto-Owners $1,357
5 Motorists Mutual $1,553
6 Grange Mutual $1,561
7 Travelers $1,680
8 State Farm $1,812
9 Westfield $1,888
10 Safe Auto $1,972
11 Progressive $2,056
12 Nationwide $2,064
13 Electric $2,139
14 State Auto $2,166
15 Encompass $2,288
16 GEICO $2,413
17 Safeco $2,709
18 MetLife $3,146
19 Shelter $3,231
20 Allstate $3,712
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Cincinnati Insurance may offer some of the best car insurance rates in Kentucky at around $1,126 a year. Kentucky Farm Bureau, USAA, Auto-Owners, and Motorists Mutual also rank well as some of the cheapest Kentucky auto insurance companies.

As depicted above, if you buy coverage from Motorists Mutual and switched to Kentucky Farm Bureau, you could see an annual premium reduction of about $414. Drivers with Grange Mutual could save as much as $422 a year, and Travelers customers might reduce prices by as much as $541 a year.

Understand that those premiums are averaged for all types of insureds and vehicles and do not factor in a price surcharge for teenage males. So the auto insurance company that has the lowest price for you may not even be featured in the list of companies shown earlier. That emphasizes why you need to get car insurance quotes using your own driver information and specific vehicle type.

Finding the highest-rated insurance company can be a challenge considering how many choices you have in Kentucky. The information listed below can help you decide which providers to look at when comparing insurance rates for teenage males. The rankings below are only comprised of companies with a national presence, so companies without a large exposure are not included in the list.

Top 10 Major Auto Insurance Providers Overall in Kentucky

  1. Travelers
  2. USAA
  3. AAA Insurance
  4. Nationwide
  5. Allstate
  6. State Farm
  7. The Hartford
  8. Safeco Insurance
  9. Progressive
  10. American Family