Kentucky Farm Bureau vs. Motorists: Which Company is the Best Fit for You?

Quick Facts

• Based on national averages for car insurance, Kentucky Farm Bureau offers more affordable rates than Motorists
• Kentucky Farm Bureau has less expensive premiums for policyholders who live in suburban areas
• Motorists offers more discounts than Kentucky Farm Bureau

Kentucky Farm Bureau vs. Motorists: Which Company has the Cheapest Car Insurance?

Are you in the market for a new insurance policy? With so many ads from all sorts of companies offering big discounts, you're probably wondering exactly how much you might be able to save.

You might have narrowed your search down to Kentucky Farm Bureau or Motorists as your top options, but which one will save you the most?

Looking at nationwide averages, Motorists has average rates that are about 20% per month more expensive than those from Kentucky Farm Bureau.

That being said, that doesn't mean Kentucky Farm Bureau will necessarily be cheaper than Motorists for each driver. Insurance companies vary their prices depending on things like how old you are, where you live, how good your credit score is, how clean your driving record is, and a variety of other factors, so rates could differ drastically from person to person.

Luckily, we've broken down average prices from both Kentucky Farm Bureau and Motorists by a variety of different rate factors, so read on to find out which carrier is the best for you.

Kentucky Farm Bureau or Motorists: Average Car Insurance Rates by State

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There are plenty of other factors that go into your auto insurance cost than just your home state. Read on to learn more.

Which is the Best Company For Young Drivers?

You might already know that teen drivers usually pay a lot more for insurance than any other group of drivers. It's generally because young, inexperienced drivers are statistically much more likely to get into accidents since they have less experience on the roads.

Even so, that doesn't mean that teen drivers have to just accept sky-high auto insurance rates. As you can see above, teens who use Motorists save more than $35 a month compared to those who use Kentucky Farm Bureau.

But both carriers will drop premiums by the time you turn 25. Motorists offers the steepest reduction, with 25-year-olds paying less than half what 18-year-old drivers are charged. That being said, Kentucky Farm Bureau still has the lowest prices at $183 per month.

Which is the Best Company for Retired Drivers?

Once you approach retirement age, you'll typically enjoy the most affordable car insurance premiums you can find. You've been on the road for years, and all that experience pays off when it comes to your monthly prices for insurance.

When looking at Kentucky Farm Bureau and Motorists specifically, which company is best for retired drivers? Kentucky Farm Bureau gets the edge, with rates for drivers 65 and older over 35% more affordable than the national average for Motorists.

Which is the Best Company for Married Drivers?

Married policyholders tend to get slightly less expensive auto insurance prices than those who are single. That's because policies for married couples normally cover multiple cars, which several companies will offer you a discount for.

When it comes to relationship status, Kentucky Farm Bureau is the clear winner for single policyholders, with premiums around $37 per month cheaper than Motorists, on average. The advantage is also clear for married drivers - Kentucky Farm Bureau offers the cheapest average rates.

Kentucky Farm Bureau vs. Motorists: Average Rates by Gender

Men tend to pay more for car insurance than women. This is because men are statistically more likely than women to get into collisions and get speeding tickets, which leads to increased risk for insurers and, therefore, higher prices.

With Kentucky Farm Bureau, women typically pay about 7% a month less than men, and around 5% less with Motorists.

Looking at overall affordability, Kentucky Farm Bureau comes out on top for both men and women, with average rates 19% less for men and 21% cheaper for women.

Kentucky Farm Bureau or Motorists: Compare State Minimum vs. Full Coverage Rates

*State minimum value indicates liability-only policies at each state's minimum bodily injury and property damage (BI/PD) limits

**Full coverage indicates state minimum BI/PD limits with collision and comprehensive coverages added to policy.

It's no secret that auto insurance can be a complicated subject for most people. There are so many different coverages and terms that it can make it pretty confusing to find the right policy.

However, most policies end up falling into two different types of coverage -- liability only (that covers bodily injury and property damage for other drivers and their passengers if you cause an accident) and full coverage (which includes two additional coverages -- comprehensive and collision -- in addition to liability coverage).

If you're looking for state minimum limits for liability insurance, Kentucky Farm Bureau usually offers slightly less expensive premiums of $120 compared to Motorists's $123. When it comes to full coverage policies with similar limits, Kentucky Farm Bureau again has the edge, with policies about $95 per month cheaper than Motorists, on average.

Is Kentucky Farm Bureau or Motorists Better for Drivers with Spotty Records?

You've probably seen plenty of commercials from insurance carriers offering great prices for good drivers, but that doesn't mean people with less-than-perfect driving records can't save money, too.

Tickets and at-fault accidents will most likely raise your premiums, but is Kentucky Farm Bureau or Motorists more affordable for drivers with less-than-perfect records?

Which Company is Best for Drivers with Speeding Tickets?

Drivers with Kentucky Farm Bureau car insurance policies don't report seeing their rates increase after getting a ticket, but Motorists policyholders can expect to see their monthly bill increase by around $20.

That being said, Kentucky Farm Bureau tends to offer the best prices for both drivers who have a recent ticket and those with clean records, offering prices that are $24 and $42 cheaper, respectively, compared to Motorists Insurance Group.

Which Company is Best for Drivers After an Accident?

Kentucky Farm Bureau policyholders who get in a collision can expect to see their premiums rise by 6%, while those who have insurance through Motorists will see about a 20% increase.

Overall, Kentucky Farm Bureau offers the lowest rates for drivers with an at-fault accident on their records, with monthly premiums averaging $154 compared to Motorists Insurance Group's $206.

Which Company is Best for Drivers with a DUI?

On average, a DUI offense is going to cost you much more than a single collision or speeding ticket when it comes to your auto insurance bill. Motorists drivers usually see a 62% climb in their insurance prices after a DUI charge, while Kentucky Farm Bureau will generally increase rates by around 60%.

If you have a DUI on your record and are looking for more affordable premiums, Kentucky Farm Bureau tends to be the much more affordable option with average prices of $359 monthly compared to $442 from Motorists.

How does Credit Score Impact Kentucky Farm Bureau and Motorists Rates?

Often times, your credit score can come into play when companies calculate your monthly bill. Certain states and carriers do not allow for credit score to be used as a rating factor, but it will come into play for lots of drivers.

Car insurance companies argue that those with poor credit scores are less likely to pay their bills on time each month, which increases the risk involved on their end, while the opposite is true for those with good credit.

So, which carrier offers the most affordable rates for policyholders with poor, average, or good credit?

Which Company is Best for Drivers with Good Credit?

Which Company is Best for Drivers with Bad Credit?

Is Kentucky Farm Bureau or Motorists Better for Drivers who Work from Home or Have Short Commutes?

The amount of time you spend behind the wheel of your car plays a big role in how much insurance carriers will charge for coverage. Normally, those who drive less will end up with less expensive prices since there's less of a chance of getting into an accident and causing an insurance claim.

For both drivers who put 6,000 miles on their vehicles yearly, as well as those who average twice that figure, Kentucky Farm Bureau tends to be the more affordable option. Motorists's average rates for drivers with 6,000 annual miles come in about 20% more expensive than Kentucky Farm Bureau. Those who drive 12,000 miles annually can expect to pay around 20% more with Motorists over Kentucky Farm Bureau.

Kentucky Farm Bureau vs. Motorists: Compare Rates for Urban, Suburban, and Rural Drivers

Where your home is can play a large role in how much you pay for car insurance. Typically, drivers who live in less densely populated rural areas will pay quite a bit less than urban policyholders due to the small number of vehicles that are on the roads in those areas.

Kentucky Farm Bureau boasts the most affordable average premiums for drivers in all areas, regardless of if they're urban, suburban, or rural.

Drivers in suburban ZIP codes see the cheapest prices from both companies, but Kentucky Farm Bureau comes out on top with average premiums about $168 per month. Kentucky Farm Bureau also has less expensive average prices for policyholders in urban and rural ZIP codes -- a $56 and $49 a month respective difference when compared to Motorists drivers in similar areas.

Kentucky Farm Bureau vs. Motorists Discounts

You want to save as much money as possible, right? The best way to do that is by taking advantage of as many auto insurance discounts as you can.

But with what seems like a million different discounts out there, it can be challenging to nail down the carrier that has the most discounts for your unique driver profile and to find all the discounts you're eligible for.

In the section below, we've compared all of the different discounts offered by Kentucky Farm Bureau and Motorists so that you can find the company that has the most discounts and, therefore, the biggest savings.

Looking at the total number of discounts, Motorists comes out ahead with 14 discounts to Kentucky Farm Bureau's 11.

A couple of those are overlapping for things like ABS discounts, discounts for being a defensive driver, and passive restraint discounts. Motorists also offers advance quote discounts, empty nester discounts, homeowner discounts, and more that Kentucky Farm Bureau does not.

On the flip side, Kentucky Farm Bureau has a couple unique discounts of its own -- discounts for getting driver training, discounts for being a good driver, discounts for being a good student, and more.

Final Thoughts: Is Kentucky Farm Bureau or Motorists Best for You?

So, we've broken down the average rates for many of the factors car insurance companies look at, and walked through the different discounts each company offers, too. But, when it comes down to it, is Kentucky Farm Bureau or Motorists the best carrier for you, your vehicle, and your wallet?

Kentucky Farm Bureau might be best for you if....

• You're single and purchasing auto insurance by yourself.
• You already have a great credit score.
• You are over 65 years old and want to save some money on your insurance.

Motorists might be best for you if...

• You want to save extra money with discounts.
• You're buying auto insurance for a teen and looking for a wallet-friendly option.

We hope this guide has ben a valuable resource as you compare Kentucky Farm Bureau and Motorists. We also hope we've given you the information you need to make the best decision about your insurance.

But, at the end of the day, there's only one way to know for sure that you're getting the best possible deal on car insurance -- comparing quotes from multiple carriers, not just Kentucky Farm Bureau and Motorists. Luckily, Compare.com makes it easy for you to do just that. Simply enter your ZIP codes below and get multiple quotes from some of the best insurance companies in your area, all for free.

Kentucky Farm Bureau vs. Motorists FAQs

Is Kentucky Farm Bureau or Motorists cheaper?

Looking just at the national average prices, Kentucky Farm Bureau is the cheaper of the two carriers, offering average rates of $201 per month compared to $251 for Motorists. However, Kentucky Farm Bureau won't necessarily be the lowest carrier for every driver, since there are multiple different variables (things like age, driving record, gender, etc.) that play a role in how much you pay.

Who is better, Kentucky Farm Bureau or Motorists?

Sadly, the only answer we can give you is "it depends.". No one company is necessarily "better" for each driver -- it all depends on the makeup of your unique auto insurance profile.

Why do Kentucky Farm Bureau and Motorists offer me different rates?

Car insurance companies take a look at a lot of different factors when calculating the premiums they charge policyholders. Variables such as gender, your driving record, age, where you park your car, and sometimes even things like your credit score can all be taken into consideration. Both Kentucky Farm Bureau and Motorists calculate rates differently, so each one will most likely offer different prices. The only real way to see which carrier is the cheapest for you is by comparing personalized quotes from a range of different carriers.

How do I know if Kentucky Farm Bureau or Motorists is right for me?

The only way to find the insurance company that's right for you is by getting quotes from a handful of companies and finding the one best suited for your individual budget. Luckily, Compare.com does all the hard work for you. Just enter your ZIP code and you'll get free quotes from dozens of the best car insurance carriers in your area. With those, you can guarantee you're getting the best rate. And who knows, the best carrier for you might not be Kentucky Farm Bureau or Motorists at all!

Methodology

All of the data referenced in this article has been gathered in collaboration with Quadrant Information Services. We analyzed more than 2.5 million rows of carrier-reported data to calculate the average rates referenced above. All rates are based on an insurance profile of a single-vehicle policy for a driver that owns a 2016 Honda Accord. For more information on how we calculate rates, please reference our data methodology.