Horse races, juleps, college basketball, KFC… what more do you need?
The Bluegrass State has over 1.7 million registered vehicles and 78,000 miles of roadways. With all those cars on the road, a solid auto insurance policy is a must-have for Kentucky drivers. Keep reading for everything you need to know about Kentucky auto insurance, from quotes to requirements and everything in between. Grab your bourbon and your Burgoo and let’s dive in.
Cheapest Car Insurance in Kentucky
Here are the cheapest insurance companies in Kentucky for the following user profile: a single, 30-year-old male with a clean driving record who drives a 2012 Honda Accord and pays a $1,000 deductible for the state’s minimum liability insurance. We averaged rates the twenty most populous in Kentucky.
Insurance Company Quotes
State Farm $85/month
The General $186/month
Best Car Insurance in Kentucky
With every insurance provider claiming to have the best customer service, cheapest premiums, or most reliable coverage, how do you mute out the noise and figure out the best option for you? The Insurify Composite Score is calculated by analyzing multiple factors that indicate the quality, reliability, and health of an insurance company. Factors include financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys; mobile app reviews; and user-generated company reviews. The following are the top-rated companies that offer car insurance in Kentucky. For the complete list, see Insurify’s best car insurance companies.
Most Popular Car Insurance Companies in Kentucky
According to the Insurance Information Institute (III), these are the most popular car insurance companies in Kentucky by market share:
- American Family
- State Farm
- Liberty Mutual
Cheapest Car Insurance Quotes in Kentucky by City
Auto insurance costs will vary between locations and insurance companies. Insurify analyzed the latest data for the five most populous cities in Kentucky to find you the cheapest quotes in each of these metropolitan areas.
City Insurance Company Quote
Louisville Progressive $132/month
Bowling Green Progressive $73/month
Owensboro Progressive $73/month
Covington Progressive $86/month
Richmond Progressive $83/month
Cheapest Car Insurance Quotes in Kentucky by Profile
Here are the cheapest insurance companies in Kentucky based on averaged sample rates for four driver profiles that included varied gender, age, driving history, credit, marital status, prior insurance, higher education, employment, and military service.
USAA will almost always offer Kentucky residents the cheapest auto insurance options, but members must be retired or current officers and enlisted personnel of the U.S. military.
Cheap Car Insurance for Good Drivers
Kentucky drivers with a clean record free of any moving violations, auto insurance rates may be significantly lower. Progressive offers the best options for good drivers in Kentucky, at $38 a month. With both cheaper premiums and safe driving discounts, it can really pay to have a record free of accidents or traffic tickets.
Cheap Car Insurance for High-Risk Drivers
High-risk drivers in Kentucky, including those with one or more traffic violations, may have to pay more on their car insurance premiums. High-risk drivers tend to have higher monthly premiums than the national average. State Farm offers the best deal for drivers with a DUI at $47/month. For drivers with at-fault accidents and speeding tickets on their driving record, Kentucky Farm Bureau provides the best option at $47 and $34/month respectively. Average rates for high-risk drivers tend to be higher than other drivers.
Cheap Car Insurance for Drivers with DUI in Kentucky
The lookback period in Kentucky is one decade. that means, if you’ve committed a DUI, This means that you could be paying the price for years to come, if you’ve been charged with a DUI. In addition to increased insurance costs, DUI’s can lead to jail time, hundreds of dollars in fines, and substance abuse program requirements.
Insurance Company Quotes
State Farm $47/month
Kentucky Farm Bureau $86/month
Cheap Car Insurance for Drivers with an At-Fault Accident in Kentucky
If you’re found at-fault for a car accident in Kentucky, your monthly premiums may increase significantly.
Insurance Company Quotes
Kentucky Insurance Bureau $47/month
State Farm $52/month
Cheap Car Insurance for Speeding Drivers in Kentucky
Speeding tickets on your driving record may cause an increase in monthly insurance costs.
Insurance Company Quotes
Kentucky Farm Bureau $34/month
Cincinnati Insurance $38/month
Cheap Car Insurance for Young Drivers
If you’re under 40 years old in the state of Kentucky, you will likely pay more for auto insurance coverage than the average driver. Since inexperienced drivers pose a higher risk for insurance providers, their rates are often significantly higher. GEICO Insurance offers the cheapest car insurance rates for young drivers, averaging $54 a month. New drivers must abide by special driving restrictions, including curfews, electronic device limitations, and passenger age restrictions. Be sure to familiarize yourself with these rules before hitting the road.
Insurance Company Quotes
Insurance policies for 21-year-olds generally run higher than the national average by a significant margin. Even though they’re no longer considered teen-drivers, 21-year-olds are still regarded as high-risk to insurers. To find the cheapest car insurance for 21-year-olds, use a car insurance quotes comparison site like Insurify.
Car Insurance for Drivers with Poor Credit
Unfortunately, it can be challenging to find cheap car insurance in Kentucky if you have a poor credit score. Kentucky car insurers are permitted to use credit score as a factor when calculating the risk of any given policyholder. This means that they can hold your poor credit score against you. Insurers have found that drivers with poor credit histories are more likely to file auto insurance claims, thus increasing the insurance premiums of bad credit drivers to account for the increased risk. Depending on where you live in Kentucky, car insurance premiums fluctuate based on many factors, not just credit score. Good credit can save you a whole lot of cash in the long run.
Kentucky Auto Insurance Laws
State Minimum Car Insurance Coverage in Kentucky
All motor vehicles operated or parked on Kentucky roadways are required to be insured. Proof of insurance must be carried in your car at all times and must available when:
- Requested by law enforcement
- Renewing vehicle registration
- The vehicle is involved in a car accident
The minimum liability car insurance requirements for private passenger vehicles in Kentucky are as follows:
- $25,000 per person/$50,000 per accident for Bodily Injury (BI)
Bodily injury liability coverage protects drivers if their car is involved in an accident that harms another individual. The minimum limits required by Kentucky state law are $25,000 for the death or injury of a single victim as a result of a car accident and $50,000 for the deaths or injuries of multiple victims. Insurance companies list this type of coverage as 25/50, referring to the dollar limitations of each minimum. In the case of an accident, liability coverage can aid perpetrators with costs involved in a legal proceeding as a result of a crash. Bodily injury coverage is part of the minimum coverage required by Kentucky law.
- $25,000/accident for Property Damage (PD)
The state minimum amount of property damage liability coverage required in the state of Kentucky is $25,000. If an insured driver is determined to be at fault and held liable in a motor vehicle accident, this coverage pays for damage repair to another individual’s property. Property damage coverage will also pay for legal costs if an insured driver is involved in a lawsuit following an accident.
- $10,000/person Personal Injury Protection (PIP)
Personal Injury Protection (PIP) provides coverage for medical costs that drivers and their passengers may face after an accident. PIP coverage protects drivers even if they are found at-fault. Medical expenses are covered by this type of protection, and a minimum of $10,000 is required for minimum coverage in Kentucky.
Optional Supplemental Coverage
Comprehensive coverage and collision coverage pays for repairs to your own car when it’s involved in a car accident or stolen. Many car insurance policies refer to this as “full coverage.” Comprehensive coverage and collision coverage are two of the three basics that make up what’s commonly called a “full coverage” auto policy (liability, collision, and comprehensive). Coverage limits will differ from policy to policy.
Comprehensive insurance coverage covers “Acts of God” and things out of a person’s control, like fire or flood, but does not cover medical expenses/auto damage due to a collision.
Collision insurance coverage covers damage to objects (not animals or people) and vehicles as a result of a collision regardless of fault, including hit-and-run accidents, but doesn’t cover damage due to “Acts of God.”
Uninsured and underinsured motorist coverage are optional add-ons for drivers who might incur damages from an accident caused by an uninsured or underinsured driver. If involved in an accident with an individual without sufficient coverage, insured drivers will still be covered.
Uninsured/underinsured motorist coverage is recommended in the state of Kentucky through the forms of:
Work Loss Coverage provides individuals and families funding if they are unable to work after an accident due to injury. Work Loss Coverage may be used in conjunction with Short Term Disability coverage.
Accidental Death Benefits provide monetary compensation to the family of a deceased driver or passenger due to a car accident, up to $25,000.
Funeral Benefits can be used to reimburse a family for funeral service costs up to $25,000.
Am I liable if I cause a car accident in Kentucky?
Kentucky abides by a no-fault auto insurance system. Damages claimed by individuals are generally covered by their own coverage, regardless of fault.
As a no-fault state, Kentucky drivers are required to carry their own protection. This means that your own insurance company will foot the bill of damages to your car if involved in an accident, regardless of who was at fault. No-fault systems were built with the hope that the chances of lawsuits decreases and medical treatment are guaranteed to all drivers after an accident.
Distracted Driving in Kentucky
If you’re under 18 years old or a school bus driver, all use of cellular devices while driving is forbidden.
All drivers, regardless of age, are banned from text messaging while operating a motor vehicle throughout Kentucky.
SR-22 Insurance in Kentucky
If your license has been suspended or revoked, these car insurance companies will file an SR-22 with the state of Kentucky on your behalf. Kentucky’s state licensing authority will inform drivers if they might require SR-22 insurance. If you’ve committed a DUI, DWI, a moving violation, or other serious offense, you may be required to hold SR-22 Insurance.
In Kentucky, many insurance companies offer SR-22 insurance such as Ameriprise, Dairyland, Esurance, Farm Bureau Financial Services, Farmers, Foremost, GEICO, Good2Go, Grange, Hallmark, National General, Progressive, SafeAuto, Safeco, The General, Victoria, and West Bend Mutual.
Kentucky Auto Insurance FAQs
How will a citation impact my auto insurance rates in Kentucky?
If you’re plagued with a citation in the state of Kentucky, your insurance premiums will likely shoot up. Depending on what the citation is for will determine the severity of the cost increase. For a DUI or serious moving violation, the damage will probably be worse than a parking ticket.
What happens if I get caught driving uninsured in Kentucky?
You should never drive a vehicle if uninsured. Serious penalties may occur if you’re caught or involved in an accident without insurance. Driving without liability insurance in Kentucky may result in a $500-$2,500 fine, imprisonment, loss of driving privileges, other court and reinstatement fees, and/or a misdemeanor charge. Plus, your licence or driving privileges may be suspended if you do not meet the minimum requirements mandated by state law, and you will be required to apply for SR-22 insurance.
Who has the cheapest car insurance in Kentucky?
The best way to get the cheapest car insurance in Kentucky and save on your insurance premiums is to compare quotes from all companies in your area. Use a car insurance quotes comparison site like Insurify to compare up to 10+ real quotes for your specific driver profile and unlock savings and discounts. Rates can fluctuate greatly based on whether you're a safe driver or a high risk one, but you should never overpay. Insurify provides the cheapest car insurance quotes and companies in your area in just a few seconds.
It Pays to Go Green in Kentucky
Kentucky offers many green driver incentives, test exemptions, tax incentives, and insurance discounts.
In Kentucky, drivers of all-electric vehicles can claim a rebate of up to $10,000. Federal tax discounts and credits may be granted to buyers of eco-friendly vehicles including electric cars, hybrids, plug-ins, diesel-powered, and alternative fuel vehicles. Special HOV lane access and parking privileges are also available to green drivers. If you’re thinking about your next big car purchase, consider a fuel-efficient vehicle—it’s good for both your wallet and the planet in the long run.
Kentucky Driver’s Services Information
The Kentucky Transportation Cabinet has outposts all around the state.
At the Kentucky Transportation Cabinet, Kentucky residents can access services like driver’s license and ID card registration and renewal, vehicle registration, and license plate pick-up, as well as insurance information and services. Unfortunately, the DMV does not allow appointments to be made ahead of time. For the shortest wait times, avoid planning your visit on Mondays and Fridays or during lunch hours. Regardless of where you live in the Bluegrass State, a DMV shouldn’t be too far. Kentucky residents may be able to skip their visit altogether and get what they need through the DMV’s online portal.
Kentucky drivers can save big on their car insurance policies.
To find the best rates, companies, and coverage based on your personal metrics, get a free quote by using an auto insurance quotes comparison site like Insurify. From Louisville to Lexington, Kentuckian drivers deserve to find the cheapest car insurance available.
Compare Kentucky car insurance companies today on Insurify.