Who Has Cheap Auto Insurance for Inexperienced Drivers in Kentucky?

Who Has Cheap Auto Insurance for Inexperienced Drivers in Kentucky?

Establishing which companies have the cheapest auto insurance rates for inexperienced drivers requires a little more work than just getting one or two price quotes. Each insurance company has their own guidelines to establish rates, so we need to take a look at the auto insurance companies with the overall best prices in Kentucky.

Keep in mind that Kentucky auto insurance rates are based on many factors which can substantially change the cost of a policy. Simply getting older, buying a new vehicle, or having an at-fault accident can trigger changes in premium resulting in some rates now being cheaper than others.

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Who has the cheapest car insurance in Kentucky?
Rank Company Cost Per Year
1 Cincinnati Insurance $1,093
2 Kentucky Farm Bureau $1,128
3 USAA $1,211
4 Auto-Owners $1,357
5 Motorists Mutual $1,569
6 Grange Mutual $1,577
7 Travelers $1,631
8 State Farm $1,867
9 Westfield $1,888
10 Safe Auto $1,972
11 Progressive $2,077
12 Nationwide $2,085
13 Electric $2,097
14 State Auto $2,188
15 Encompass $2,312
16 GEICO $2,437
17 Safeco $2,709
18 MetLife $3,146
19 Shelter $3,263
20 Liberty Mutual $3,708
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Cincinnati Insurance offers some of the best car insurance rates in Kentucky at around $1,093 each year. Kentucky Farm Bureau, USAA, Auto-Owners, and Motorists Mutual would also make the list of some of the lowest-priced Kentucky insurance companies.

As depicted above, if you are currently insured with USAA and switched to Cincinnati Insurance, you might see annual savings of upwards of $118. Insureds with Auto-Owners could save as much as $264 a year, and Motorists Mutual policyholders might see rate reductions of $476 a year.

To find out how your current rates compare, click here to start your custom quote or click several companies below for low rates.

Bear in mind that those policy prices are averaged across all drivers and vehicles in Kentucky and and are not calculated with a price decrease for inexperienced drivers. So the insurer that can offer you the best rate may not even be included in the list above. That illustrates why you need to get auto insurance quotes using your own personalized driver profile and vehicle information.

The make and model of vehicle driven is a large factor when shopping for the best car insurance for inexperienced drivers. Vehicles with average performance, a great safety record, or a positive history of liability claims will cost quite a bit less to insure than higher performance models.

The next list illustrates insurance costs for the cheaper automobiles to buy insurance for.

Cheapest Auto Insurance Rates for Inexperienced Drivers in Kentucky
Make, Model, and Trim Level Estimated Cost for Full Coverage
Honda Accord LX 4-Dr Sedan $836
Chevrolet Traverse LS 2WD $981
Ford Fusion S 4-Dr Sedan $989
Toyota RAV4 4WD $997
Chevrolet Equinox LS AWD $989
Toyota Highlander Sport 2WD $1,012
Ford Escape XLT 2WD $1,028
Honda CR-V LX 4WD $1,036
Ford Edge Limited AWD $1,047
Hyundai Elantra SE Touring Station Wagon $1,049
Hyundai Sonata GLS 4-Dr Sedan $1,051
Chevrolet Silverado LT Crew Cab 4WD $1,071
Toyota Prius $1,075
Subaru Outback 3.6R Limited $1,092
Honda Odyssey EX $1,112
Ford Focus S 4-Dr Sedan $1,118
Jeep Wrangler Sport Islander Package 4WD 2-Dr $1,116
Kia Forte SX 2-Dr Coupe $1,133
Toyota Sienna XLE $1,135
Ford Explorer XLT 2WD $1,145
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Table data assumes single female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Kentucky minimum liability limits. Discounts applied include multi-vehicle, claim-free, multi-policy, homeowner, and safe-driver. Table data does not factor in zip code location which can raise or lower auto insurance rates noticeably.

Based upon the rates shown, we can expect makes and models like the Honda Accord, Chevrolet Traverse, and Ford Fusion are most likely going to be some of the cheaper vehicles to insure for new drivers.

Insuring your vehicle with the top insurance company can be a challenge considering how many choices drivers have in Kentucky. The company information displayed below could help you decide which auto insurers you want to consider purchasing a policy from.

These ratings only include insurance companies that insure vehicles in the majority of U.S. states, so smaller companies that only insure vehicles in Kentucky are not taken into consideration for these rankings. To get rate quotes from these top insurers and more, click this link.

Top 10 Major Auto Insurers in Kentucky Ranked by Customer Satisfaction

  1. USAA – 91%
  2. Esurance – 90%
  3. AAA Insurance – 90%
  4. Nationwide – 89%
  5. Progressive – 88%
  6. Safeco Insurance – 88%
  7. State Farm – 88%
  8. Allstate – 88%
  9. Travelers – 88%
  10. The Hartford – 87%

How to get cheap auto insurance for inexperienced drivers in Kentucky

The list below shows some of the better penny-pinching suggestions that can help you find low-cost car insurance.

  • Don’t have frequent claims
  • Higher credit scores may earn you cheaper rates
  • Drive safely
  • Accident-free drivers may qualify for discounts
  • Buy a car with high safety ratings
  • Shop around once a year for cheaper rates

The last idea is certainly crucial, as we pointed out in the prior information. Car insurance rates fluctuate considerably, so don’t be unwilling to buy a policy from a new company if you can find a cheaper rate.

Staying with the same company for years is fine, but it’s not a great idea if that inflexibility results in costing you big bucks every year. Now is a great time to compare rates and find cheaper insurance for inexperienced drivers.