Best Auto Insurance for Seniors in Kentucky (Your Guide to the Top 10 Companies in 2024)
The Hartford, State Farm, and Geico have the best auto insurance for seniors in Kentucky. The Hartford is our top pick, as it caters to AARP members. The majority of companies on our list are very affordable for Kentucky senior drivers, with the cheapest minimum rates starting at $29/month.
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Michael Leotta
Insurance Operations Specialist
Michael earned a degree in Business Management degree with an insurance focus, which led to a successful 25-year career in insurance claims operations and support. He possesses a high-level of business acumen across multiple areas of the insurance industry. Over the course of his career, he served in multiple roles supporting claims operations including: Claims Specialist, Claims Trainer, Claim Au...
Insurance Operations Specialist
UPDATED: Aug 26, 2024
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Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Aug 26, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
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765 reviewsCompany Facts
Full Coverage for Seniors in KY
A.M. Best Rating
Complaint Level
Pros & Cons
765 reviews
17,760 reviewsCompany Facts
Full Coverage for Seniors in KY
A.M. Best Rating
Complaint Level
Pros & Cons
17,760 reviews
19,116 reviewsCompany Facts
Full Coverage for Seniors in KY
A.M. Best Rating
Complaint Level
Pros & Cons
19,116 reviewsThe Hartford, State Farm, and Geico are the top companies that sell the best auto insurance for seniors in Kentucky.
Other top companies for the best auto insurance for seniors in Kentucky include well-known companies like Allstate and Travelers.
Our Top 10 Company Picks: Best Auto Insurance for Seniors in Kentucky
| Company | Rank | Good Driver Discount | A.M. Best | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
 | #1 | 15% | A+ | AARP Members | The Hartford |
 | #2 | 25% | B | Customer Service | State Farm |
 | #3 | 26% | A++ | Affordable Rates | Geico |
 | #4 | 25% | A+ | Bundling Discount | Allstate |
 | #5 | 20% | A | Add-On Coverages | Liberty Mutual |
 | #6 | 40% | A+ | Infrequent Drivers | Nationwide |
 | #7 | 30% | A+ | Safe-Driving Discounts | Progressive |
 | #8 | 10% | A++ | Industry Experience | Travelers |
 | #9 | 23% | A+ | Filing Claims | Erie |
 | #10 | 30% | A | Safety Discounts | Farmers |
Our guide goes over everything you need to know about these senior Kentucky companies, from their pros and cons to their average rates.
If you are ready to shop for cheap senior auto insurance in Kentucky today, enter your ZIP in our free tool.
- The Hartford sells the best auto insurance for Kentucky seniors
- State Farm and Geico offer affordable rates for Kentucky senior drivers
- Seniors often have the cheapest Kentucky rates due to driving experience
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#1 – The Hartford: Top Pick Overall
Pros
- AARP Members: AARP members can get specialized senior auto insurance and discounts through The Hartford.
- Coverage Selection: The Hartford offers a wide range of coverage, such as roadside assistance, for senior drivers in Kentucky.
- Affordable Rates: While Hartford isn’t the cheapest company on our list, it has very affordable KY senior car insurance rates at $35/month.
Cons
- Customer Service: Kentucky senior drivers should be aware there are some complaints about The Hartford’s services.
- Speeding Ticket Rates: The Hartford will be more expensive for seniors with multiple speeding tickets. Visit our review of The Hartford to learn more.
#2 – State Farm: Best for Customer Service
Pros
- Customer Service: Local Kentucky agents provide personalized assistance to senior drivers. Learn more in our State Farm review.
- Cheap Rates: State Farm is one of the cheapest companies on our list for senior drivers in Kentucky.
- Bundling Discount: Senior drivers in Kentucky can bundle other insurance with their auto insurance.
Cons
- Add-On Options: Kentucky seniors won’t be able to buy as many specialty add-ons from State Farm.
- Financial Rating: State Farm is less financially stable than other Kentucky auto insurance companies for seniors on our list.
#3 – Geico: Best for Affordable Rates
Pros
- Affordable Rates: Geico is one of the most affordable auto insurance companies for seniors in Kentucky at $29/month. Visit our Geico review to learn more.
- Accident Forgiveness: Safe senior drivers could be forgiven for their first accident in Kentucky.
- Bundling Discount: Senior drivers can purchase other types of Kentucky insurance from Geico.
Cons
- Add-On Selection: Geico doesn’t have as many specialty add-ons for senior auto insurance in Kentucky.
- No Local Geico Agents: Senior drivers in Kentucky will have to access insurance support online or over the phone.
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#4 – Allstate: Best for Bundling Discount
Pros
- Bundling Discount: Allstate sells more than Kentucky auto insurance to seniors, as it also sells home insurance, renters insurance, and more.
- Coverage Variety: Allstate has a variety of add-ons for Kentucky senior auto insurance. Find out more in our Allstate review.
- Online Convenience: Senior drivers in Kentucky can make claims and policy changes from Allstate’s app.
Cons
- Customer Complaints: Allstate has a higher complaint ratio than other KY senior auto insurance companies on our list.
- Higher Rates: Allstate is more expensive for Kentucky senior car insurance.
#5 – Liberty Mutual: Best for Add-On Coverages
Pros
- Add-On Coverages: Liberty Mutual has a full selection of add-ons for senior drivers in Kentucky, such as roadside assistance. Visit our Liberty Mutual review to learn more.
- RightTrack Program: Kentucky seniors can join for free and earn discounts based on driving performance.
- Bundling Discount: Liberty Mutual sells home insurance and more to senior drivers in Kentucky.
Cons
- Online Convenience: Liberty Mutual’s tools may not be as extensive as other Kentucky provders on our list of senior auto insurance companies.
- Claims Processing: Kentucky seniors may have longer claims processing times, according to customers’ complaints.
#6 – Nationwide: Best for Infrequent Drivers
Pros
- Infrequent Drivers: Nationwide’s SmartMiles insurance program offers lower rates paid by the mile for low-mileage senior drivers in Kentucky.
- Coverage Variety: With extras like roadside assistance, Nationwide offers plenty of add-ons for Kentucky seniors. Visit our Nationwide review to learn more.
- Bundling Discount: Senior drivers can bundle different Kentucky insurances together and save 20%.
Cons
- Customer Satisfaction: Nationwide isn’t as highly rated as other Kentucky senior insurance companies on our list.
- Higher Rates: Nationwide is one of the more expensive Kentucky car insurance companies for senior drivers.
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#7 – Progressive: Best for Safe-Driving Discounts
Pros
- Safe-Driving Discounts: Progressive offers safe driving discounts to seniors in Kentucky with its Snapshot program.
- Coverage Variety: Progressive has a full list of add-ons for Kentucky senior drivers. See what you can buy in our Progressive review.
- Bundling Discount: Senior drivers can buy much more than Kentucky car insurance from Progressive.
Cons
- Customer Service Ratings: Progressive’s competitors have better service ratings for Kentucky senior insurance services.
- Snapshot Rate Changes: Most senior drivers will save on Kentucky auto insurance, but poor drivers could see rate increases.
#8 – Travelers: Best for Industry Experience
Pros
- Industry Experience: Travelers is highly rated for its experience in the auto insurance industry, making it one of the best Kentucky senior companies.
- Financial Rating: With an A++, Travelers has one of the best scores among the top Kentucky auto insurance companies for seniors.
- Coverage Options: Senior drivers in Kentucky can purchase special coverages for their vehicles. Learn more in our Travelers review.
Cons
- Higher Rates: Travelers is more expensive than some of the other popular Kentucky companies for senior auto insurance.
- Customer Service: Travelers doesn’t has lower ratings than the top Kentucky insurance companies for senior drivers.
#9 – Erie: Best for Filing Claims
Pros
- Filing Claims: Senior drivers in Kentucky should find claims filing straightforward and quick at Erie.
- Local Agents: Kentucky seniors can get assistance directly from local Erie agents.
- Bundling Discount: Erie sells more than Kentucky senior auto insurance coverage. Learn more in our Erie review.
Cons
- Fewer Policy Options: Since Erie is a smaller company, it doesn’t offer as many add-ons or coverage options as other senior auto insurance providers in Kentucky,
- Online Tools: Erie’s tools may not be as advanced as other top KY insurance companies for senior drivers.
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#10 – Farmers: Best for Safety Discounts
Pros
- Safety Discounts: Farmers offers discounts to senior drivers in Kentucky if their vehicles have certain safety features.
- Bundling Discount: Farmers sells more than just Kentucky senior auto insurance. It also sells home insurance, renters insurance, and more.
- Add-On Selection: Farmers has an excellent selection of add-ons for Kentucky senior auto insurance policies. Learn more in our Farmers review.
Cons
- Higher Rates: Farmers is one of the more expensive options for senior drivers in Kentucky at $71/month.
- Customer Service: Farmers’ customer service ratings aren’t as good as other top Kentucky companies for senior drivers on our list.
Best Senior Kentucky Auto Insurance Rates by Coverage Type
If senior drivers choose a cheap company on our list, then a full coverage Kentucky insurance policy will be much more affordable than at other providers. The average rates between minimum vs. full coverage at the top Kentucky companies for senior drivers are displayed below.
Kentucky Senior Auto Insurance Monthly Rates by Coverage Level & Provider
| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| Allstate | $85 | $231 |
| Erie | $36 | $98 |
| Farmers | $71 | $193 |
| Geico | $29 | $78 |
| Liberty Mutual | $60 | $165 |
| Nationwide | $66 | $180 |
| Progressive | $40 | $109 |
| State Farm | $35 | $96 |
| The Hartford | $38 | $102 |
| Travelers | $50 | $136 |
Senior drivers in Kentucky have several different options regarding vehicle coverage. While all drivers must carry minimum coverage that meets the Kentucky minimum auto insurance requirements, most drivers can choose full coverage if they want.
For Kentucky seniors over 65 who aren’t hitting the road often, minimum coverage can be a smart, budget-friendly option. It keeps your premiums low and makes sense if you’re not driving much. But be aware — minimum coverage might leave you exposed to certain risks like theft or damage from non-collision incidents.
Full coverage auto insurance offers better protection and peace of mind, but it comes with a higher price tag, which might not be worth it if your car spends most of its time in the garage.
How to Save on the Best Kentucky Auto Insurance for Seniors
Senior drivers have some of the most affordable rates in Kentucky, but they can save even more by applying for auto insurance discounts.
A popular discount that most senior drivers will qualify for is a low-mileage discount for drivers who travel less than 10,000 miles per year.
Low-mileage drivers are less likely to get into a car crash as they are on the road less, which is why auto insurance companies offer lower rates to low-mileage drivers.
Retired senior drivers usually drive less during peak traffic hours, further reducing their likelihood of being in an accident and making it easier to get lower rates from auto insurance companies.Dani Best Licensed Insurance Producer
Senior drivers can also join a good driver program at some of the best Kentucky companies to reduce rates even more. Explore more from the cheapest usage-based auto insurance companies to see if these kinds of tracking programs work for you.
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Finding the Best Kentucky Senior Auto Insurance for You
The Hartford, State Farm, and Geico are the top three companies for the best auto insurance for seniors in Kentucky. We recommend comparing quotes from multiple Kentucky insurance companies to get the right senior auto insurance coverage at the best possible price.
Follow our guide on how to evaluate auto insurance quotes to unlock the biggest savings on senior car insurance. Or if you’re ready, start comparing free insurance quotes with our comparison tool below.
Frequently Asked Questions
Which Kentucky insurance company is best for senior citizens?
The Hartford is the best auto insurance company in Kentucky for senior citizens.
What is the cheapest auto insurance in Kentucky for seniors?
Minimum coverage is the cheapest type of car insurance for Kentucky seniors. However, most senior Kentucky drivers will benefit from full coverage policies. To find a cheaper rate on full coverage, enter your ZIP code in our free tool.
What is the minimum car insurance you must have in KY?
Kentucky requires 25/50/25 of liability auto insurance and $10,000 of personal injury protection, which is usually the cheapest liability-only auto insurance.
What happens if you get pulled over with no insurance in KY?
Driving without insurance is illegal in Kentucky, so getting pulled over with no insurance could result in fines, loss of driving privileges, and more.
Is Kentucky a no-fault state?
Yes, Kentucky is considered a no-fault state for auto insurance.
Is Kentucky a PIP state?
Yes, Kentucky requires all drivers to carry personal injury protection (PIP) auto insurance.
Does auto insurance go up as you age?
Kentucky car insurance usually goes down as drivers age, although once drivers hit age 80, they may see a slight increase in rates again.
What is the most expensive age for KY auto insurance?
The most expensive age for car insurance is the teenage years, as teens have less driving experience.
What type of coverage should a person with an older car have?
Old classic cars should have classic car insurance. Non-classic vehicles that are no longer worth much can often get away with carrying just minimum coverage.
What is the best auto insurance in Kentucky?
The best car insurance in Kentucky for seniors will usually be full coverage insurance.
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Michael Leotta
Insurance Operations Specialist
Michael earned a degree in Business Management degree with an insurance focus, which led to a successful 25-year career in insurance claims operations and support. He possesses a high-level of business acumen across multiple areas of the insurance industry. Over the course of his career, he served in multiple roles supporting claims operations including: Claims Specialist, Claims Trainer, Claim Au...
Insurance Operations Specialist
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
