How Much Does Auto Insurance Cost in Frankfort, KY?
- State Minimum Liability: On average Frankfort drivers can expect to pay $86 a month or $1,038 a year.
- Full Coverage: Frankfort drivers can expect to pay $341 a month or $4,091 a year.
InsuranceQuotes cost rates are pulled from our real-time auto insurance database from recent quotes in Frankfort – Rates are based on a used car driver who is single, middle aged & has a clean driving record. Read on to learn about the cheapest local rates filtered by insurance providers, new cars, vehicle types and age.
Cheapest Car Insurance Providers in Frankfort
- In Frankfort on average, the cheapest car insurance providers are State Farm, Allstate and Progressive.
- State minimum liability car insurance starts at $67 a month or $807 a year with State Farm and full coverage car insurance starts at $210 a month or $2,521 a year.
Here is a breakdown of average costs from the cheapest local insurance providers in Frankfort from our data set of used-car drivers who are single, middle aged and have a clean driving record:
| Insurance Providers | State Minimum: | Monthly: | Full Coverage: | Monthly: |
|---|---|---|---|---|
| State Farm: | $807 | $67 | $2,521 | $210 |
| Allstate: | $1,244 | $104 | $4,589 | $382 |
| Progressive: | $1,479 | $123 | $4,410 | $368 |
| KY Farm Bureau: | $1,615 | $135 | $7,198 | $600 |
How Much Car Insurance Do I Need in Kentucky?
Though you may opt for higher coverage, here are the minimum car insurance requirements in Kentucky if you are looking for state minimum liability coverage and need the cheapest policy to maintain coverage while on the road:
- $25,000 bodily injury liability per person
- $50,000 bodily injury liability per accident
- $25,000 property damage liability per accident
These are the minimum coverage limits required by the state. Keep in mind that these limits may not provide comprehensive coverage, and you may consider higher coverage limits or additional coverage options such as comprehensive and collision insurance for better protection.
How to Save Money on Your Car Insurance Costs
Drivers in Kentucky can start by reviewing these helpful money saving tips for drivers to get the most affordable coverage rates:
- Shop Around:
- Obtain quotes from multiple insurance providers to compare rates by using InsuranceQuotes and filling out our easy to use quote form based on your zipcode. Different insurers may offer varying premiums for similar coverage, always compare for the cheapest policies.
- Bundle Policies:
- Bundle your auto insurance with other policies, such as home or renters insurance, with the same provider. Many insurers offer discounts for bundling.
- Maintain a Good Driving Record:
- Safe driving habits can lead to lower premiums. Avoid accidents and traffic violations to maintain a clean driving record, which is often rewarded with lower insurance costs.
- Increase Deductibles:
- Consider raising your deductibles for comprehensive and collision coverage. Higher deductibles typically result in lower premiums.
- Ask About Discounts:
- Inquire about available discounts, such as good student discounts, safe driver discounts, or discounts for safety features on your vehicle. Insurance providers may offer various discounts that can significantly reduce your premium.
- Maintain Good Credit:
- Insurers in some states, including Kentucky, may use credit scores to determine premiums. Maintaining a good credit score may help lower your car insurance costs.
- Choose a Safe Car:
- Vehicles with safety features may qualify for lower premiums. Check with your insurance provider to see if your car’s safety features make you eligible for discounts.
- Review Your Coverage:
- Regularly reassess your coverage needs. If your circumstances change or if you have an older vehicle, you may be able to adjust your coverage to save on premiums.
- Drive Less:
- If possible, reduce your annual mileage. Some insurance companies offer discounts for low-mileage drivers.
- Take Advantage of Loyalty Discounts:
- Inquire if your insurance provider offers discounts for long-term customers. Loyalty rewards may be available for staying with the same company.
- Complete a Defensive Driving Course:
- Some insurers offer discounts for completing defensive driving courses. Check with your provider to see if this option is available.
Frankfort car insurance averages approximately $175 per month for full coverage in 2026, based on InsuranceQuotes.com’s analysis of market rate data. Comparing quotes from multiple carriers using your exact ZIP code and driver profile is the most reliable way to find your lowest rate.
Car insurance in Frankfort, KY averages around $62 per month for minimum coverage and $132 to $175 per month for full coverage in 2026. As the Kentucky state capital in Franklin County, Frankfort rates are near the state average. Shelter Insurance offers full coverage from $175/month and is one of the cheapest consistent options in the state. Dairyland has also been noted as a competitive provider for Frankfort drivers with some violations on their record.
Kentucky requires all drivers including those in Frankfort to carry minimum liability of 25/50/25 — $25,000 per person and $50,000 per accident in bodily injury, plus $25,000 in property damage liability. Kentucky is a choice no-fault state, so you must also carry $10,000 in Personal Injury Protection (PIP) unless you have signed a written rejection of the no-fault system. Most Frankfort government employees and state workers benefit from keeping PIP since it provides immediate medical coverage after accidents without fault determination.
Yes, Frankfort is generally less expensive for car insurance than Lexington. Lexington full coverage averages around $180/month while Frankfort drivers typically pay $150 to $175/month. Franklin County has lower traffic density than Fayette County (Lexington), fewer vehicle thefts, and a smaller uninsured motorist risk pool. The commute corridor on US-60 between Frankfort and Lexington can add mileage-based rate factors for frequent travelers.
For Frankfort, KY drivers in 2026, Shelter Insurance ($175/month full, $40/month minimum) and Travelers ($168/month full, $55/month minimum) offer the lowest rates for clean-record drivers. State Farm provides minimum coverage from approximately $40/month. Dairyland is competitive for drivers with violations or poor credit. Progressive offers usage-based Snapshot program pricing that can benefit low-mileage drivers who work within Frankfort rather than commuting to Louisville or Lexington.
Indirectly, yes. State government employees in Frankfort often qualify for group or affinity discounts through employers, professional associations, or credit unions. The Kentucky State Government Employees Credit Union (KYSE) and similar organizations sometimes offer member discounts with affiliated insurers. Additionally, many state workers have predictable commute patterns (short distances within Frankfort) that qualify them for low-mileage discounts of 5 to 15 percent from carriers like Travelers, State Farm, and GEICO.
Car Insurance in Frankfort, KY: State Capital Factors
As the seat of Kentucky state government, Frankfort has a unique insurance environment. The city’s relatively small population of about 28,000 and compact geography keep local traffic claims lower than Lexington or Louisville. Franklin County has below-average vehicle theft rates compared to Jefferson County (Louisville), which reduces comprehensive coverage costs. State employees who work downtown and live in nearby Franklin County neighborhoods typically benefit from short, predictable commutes — a factor that can qualify for low-mileage discounts with most major insurers.
Best Car Insurance Companies for Frankfort, KY Residents
Shelter Insurance stands out as the most affordable full-coverage option in Franklin County at approximately $175/month, while Travelers ($168/month) is a close second. For minimum-coverage drivers, State Farm offers rates around $40/month for clean-record policyholders. Progressive participates in its Snapshot telematics program which can cut rates by 10 to 30 percent for drivers with safe habits — particularly valuable for Frankfort state employees who drive short distances. Erie Insurance, strong throughout central Kentucky, is worth comparing for bundled home and auto policies. GEICO has competitive rates for Frankfort drivers without violations.
- About the Author
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Michael Giusti is a senior insurance analyst, business journalist, and university professor with over 20 years of experience. He serves as department chair at Loyola University New Orleans and contributes to Insurance Thought Leadership, U.S. News, and other leading financial outlets.
