Best Cheap Car Insurance for a Learners Permit in Kentucky

Our editors always tell us that when writing about auto insurance, the word “cheap” shouldn’t be used anywhere to describe car insurance prices. Regardless, cheap car insurance for a learners permit can be hard, if not impossible, to find. Don’t let that ruin your day, because we can show you some ways you can find and buy insurance that is cheaper than what you are paying now.

For new drivers, one of the largest components that is used to help calculate car insurance rates is where you keep your vehicle in Kentucky. Areas with more people like Louisville, Jeffersontown, and Ashland likely pay more, whereas areas that are not as densely populated benefit from having to pay less for coverage.

The next table sorts the more expensive cities in Kentucky for a learners permit to purchase car insurance in.

Price information shown is approximated as specific Kentucky garaging address can alter insurance rates greatly.

The vehicle that needs insurance is one of the largest considerations when trying to find cheap insurance for a learners permit. Vehicles with higher performance characteristics, poor passenger safety features, or a high likelihood of having liability claims will cost much more to insure than safer models. The lists below shows insurance prices for a handful of the most economical automobiles to insure.

Prices based on single male driver age 17, no speeding tickets, no at-fault accidents, $1000 deductibles, and Kentucky minimum liability limits. Discounts applied include safe-driver, and claim-free. Price estimates do not factor in your specific Kentucky location which can affect premiums significantly.

Prices above based on single male driver age 17, no speeding tickets, no at-fault accidents, $1000 deductibles, and Kentucky minimum liability limits. Discounts applied include safe-driver, and claim-free. Price estimates do not factor in specific location which can impact coverage prices significantly.

Premium data assumes single male driver age 17, no speeding tickets, no at-fault accidents, $1000 deductibles, and Kentucky minimum liability limits. Discounts applied include claim-free, and safe-driver. Price estimates do not factor in vehicle garaging location which can affect premiums greatly.

Determining which companies quote the cheapest car insurance rates for a learners permit takes a bit more work in order to find coverage that fits your buget. Each auto insurance company has a proprietary formula for setting rates, so let’s take a look at the most budget-friendly car insurance companies in Kentucky.

Find the Cheapest Car Insurance in Kentucky

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Cincinnati Insurance may have some of the cheapest car insurance rates in Kentucky at around $1,082 a year. Kentucky Farm Bureau, USAA, Auto-Owners, and Grange Mutual would also make the list of some of the lowest-priced Kentucky auto insurance companies.

As shown in the rates above, if you are currently insured with Auto-Owners and switched to Kentucky Farm Bureau, you may see an annual premium reduction of approxmiately $183. Policyholders with Grange Mutual might save as much as $403 a year, and Motorists Mutual policyholders might lower prices by up to $443 a year.

It’s important to note that these premiums are averaged across all ages of drivers and types of vehicles and are not factoring in a rate increase for a learners permit. So the car insurance company that can offer you the best rate may not even be included in the rate chart shown above. That’s why you need to quote rates from many companies using your own driver and vehicle profiles.

Finding a highly-rated insurance company can be challenging considering how many different companies sell coverage in Kentucky. The ranking data in the next section may help you select which insurers to look at when trying to find the cheapest insurance for a learners permit.

The ratings below include major nationwide insurance companies, so companies that have a smaller presence are not taken into consideration for these rankings. To compare price quotes from these and other competitive companies, simply click here.

Top 10 Large Auto Insurance Providers in Kentucky Ranked by A.M. Best Rating

1. Travelers – A++
2. GEICO – A++
3. State Farm – A++
4. USAA – A++
5. Nationwide – A+
6. Allstate – A+
7. The Hartford – A+
8. Progressive – A+
9. Erie Insurance – A+
10. Esurance – A+

Top 10 Large 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

State Farm, Progressive, Allstate, and Geico: Who is best?

If you’re looking for the cheapest car insurance for new drivers in Kentucky, probably the best companies to start with are State Farm, Progressive, Allstate, and Geico. Combined they make up about half of all policies written in the United States. They all have the same basic coverages, but each one has slightly different coverage options that may steer you one way or another. The data below compares price, claims, and customer service ratings, as well as some optional coverages .