USAA car insurance is only available to members of the military, veterans and their families. For drivers who qualify, the company has the lowest average rates in Kentucky. At $1,533, USAA’s average annual premium is almost $1,000 less than the average cost of coverage in the state ($2,500). At $1,768, Travelers has the second-lowest average rate we found.
Both USAA and Travelers are included in our national rating of the best car insurance companies.
Average rates for teen drivers in Kentucky are thousands of dollars higher than rates for other age groups. According to the Insurance Information Institute, this is because teens have limited driving experience and are statistically more likely to be in an accident. In general, rates go down as drivers get older and gain experience behind the wheel.