Cheap Car Insurance in Kentucky (With Quotes, August 2022)

Some of the cheapest car insurance providers in Kentucky are Progressive, Travelers, and SafeAuto.

Whether you’re driving to see a horse race at the Kentucky Derby, to delight your taste buds at a bourbon tasting, or to see the home of the Louisville Slugger, make sure you have the insurance coverage you need to stay safe on the road. Insurify will help you find the cheapest car insurance quotes.

Getting affordable car insurance in Kentucky is possible. Kentucky drivers can get the minimum coverage they need to make sure they’re protected in the case of a car accident, have to cover medical expenses or property damage, and more by shopping around for the cheapest rates. Kentucky auto insurance has a variety of coverage policies at prices to fit all budgets.

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Cheapest Liability Auto Insurance in Kentucky

What happens if you need minimum coverage? In this case, you might be interested in liability insurance. This type of insurance policy helps when you’re found at fault for property damage liability or bodily injury liability. You don’t want to be left paying out of pocket for car accidents or any other damage. Liability coverage can come in handy, so we looked up the cheapest rates.

Cheapest Full-Coverage Auto Insurance in Kentucky

Alternatively, maybe you need more coverage on your car insurance policy. Usually, these go beyond the state minimum for Kentucky insurance and include add-ons like comprehensive coverage, collision coverage, and more. Whether it’s full coverage or not, the best option is to not be an uninsured motorist. Keep reading for the best rates on full-coverage car insurance.

If money isn’t a barrier and you’re in the market for the best cheap car insurance, see below for the winners of the highest Insurify Composite Score (ICS). While these prices are a bit higher than the national average rate, the following companies rank as the best insurance providers in the state. This way, you’re getting the highest quality auto insurance coverage.

See More: Best Car Insurance Companies

Insurify Composite Score

The Insurify Composite Score is a proprietary rating calculated by a team of data scientists at Insurify. The methodology weighs multiple factors that reflect the quality, reliability, and health of an insurance company.

Inputs to the score include financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews.

Unfortunately, a driving history full of accidents and claims can do terrible things for your insurance premium. If you’re at a higher risk of getting into collisions, companies will notice. The best way to keep your rate low is by demonstrating that you are a safe driver.

Driving records and accident history can really negatively impact insurance rates. Violations, speeding tickets, being at fault for an accident, and driving under the influence (DUI) are all markers of high-risk driving. We always encourage keeping a clean driving record to keep costs low, but if that’s not possible, be sure to ask an insurance agent about any insurance discounts.

See More: High-Risk Car Insurance Kentucky

Cheap Car Insurance for Good Drivers in Kentucky

So what makes a “good driver”? Insurance providers recognize people whose driving history is free of collisions, claims, violations, and accidents. Many companies also offer discounts to policyholders who have gone collision-free for a number of years. Older age groups and women are also recognized as being less risky than younger drivers or men.

Cheap Car Insurance for Drivers with DUI in Kentucky

Everyone makes mistakes, but it’s important to know that these have consequences. Getting in trouble for driving under the influence (DUI) can cause significant damage to your driving history and severely impact how much you pay for your auto insurance policy, in addition to court fines, reinstatement fees, and more. Luckily, some companies still provide affordable rates after DUIs.

SR-22 Insurance in Kentucky

If you get a DUI, you may later require an SR-22 form. The SR-22 form proves that your auto insurance policy meets the minimum liability coverage mandated by state requirements or by court order. However, Kentucky does not require an SR-22 form. The following insurers may still provide cheap coverage for drivers with previous violations.

Cheap Car Insurance for Drivers with an At-Fault Accident in Kentucky

Unfortunately, if you were behind the wheel for anything as minor as a light fender bender to as serious as totaling a vehicle, then you’re responsible for an at-fault accident. This can spike what you pay for monthly payments and premiums.

However, Kentucky drivers can breathe a sigh of relief knowing that it’s a no-fault state, meaning that your insurance company will pay for injuries that result from an accident—regardless of who caused it.

Cheap Car Insurance for Drivers with Speeding Tickets in Kentucky

The need for speed might result in the need for a new budget. Like any other violation, speeding tickets negatively affect car insurance rates. The more you speed, the more points you rack up on your driver’s license, which means higher prices. Tickets can affect people differently, like if it was a first violation versus a fifth.

Financial history also impacts how much you pay for your auto insurance policy. Good credit is rewarded, as it reflects responsibility, while bad credit is usually punished with higher rates.

Insurify pulled together the data to determine the average monthly quote for drivers with excellent, good, average, and poor credit.

See More: Bad Credit Car Insurance Kentucky

Age also comes into play when determining how much you pay in car insurance. When it comes to driving, the older you are, the better. Car insurance companies reward older drivers, who have more experience and more years behind the wheel. The newer you are to the rules of the road, the higher chance you have of getting into accidents or having to file claims; this is the case for teen drivers.

Car insurance in Kentucky varies from city to city. A number of factors are used to determine how much you pay for your policy, and ZIP code is one of them. This is because some auto insurance providers see some areas as riskier than others. For example, metropolitan areas, like Louisville and Lexington, have more drivers and, therefore, may be more prone to accidents.

Every state has minimum insurance requirements, and Kentucky is no exception. Additionally, all drivers in Kentucky will have to visit their local DMV and may at some point need to rely on public transportation. The following sections break down minimum insurance requirements, DMV services, and public transit options in Kentucky.

Minimum Car Insurance Requirements 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 be available when:

• Requested by law enforcement
• Renewing vehicle registration
• The vehicle is involved in a car accident

The minimum liability insurance requirements for private passenger vehicles in Kentucky^[1] are:

• $25,000 per person for bodily injury
• $50,000 per accident for bodily injury

As a major part of your liability insurance, bodily injury coverage covers medical bills for people other than the policyholder who are injured during an accident. Kentucky is a no-fault state, meaning both parties’ insurance providers will pay for expenses, regardless of which party caused the accident.

• $25,000 per accident for property damage

If it’s determined that an insured driver is at fault for an accident, this coverage pays for repairs to the property of the other involved parties. Additionally, property damage coverage can cover legal costs if the insured driver is involved in a lawsuit following the accident.

• $10,000 per accident for PIP

Personal injury protection coverage, also referred to as PIP coverage, will cover the policyholder for medical payments they incur in the event of an accident. Depending on your plan, you may also receive non-medical benefits, compensating you for lost wages, household expenses, and even funeral costs.

Kentucky DMV Information

Typically known as the Department of Motor Vehicles, or DMV, this is a state-run service that assists drivers with administrative tasks. This is run by the Kentucky Transportation Cabinet, which has sites all over the state. Here, Kentucky residents can register and renew their driver’s license or ID cards, register their vehicles, pick up license plates, and get insurance information.

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. No matter 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.

Public Transportation in Kentucky

While Kentucky does have access to public transit, its popularity and accessibility vary based on the county you reside in. For example, Frankfort residents can take BUS, or the Bluegrass Ultra-Transit Service, run by the Bluegrass Community Action Agency, to get around, as well as the Frankfort Transit System (FTS). Check what’s available in your county.

Public transportation that is run by the state is a great option if you do not have access to a car, do not have a license, or are unable to operate a vehicle. If you end up finding that your county doesn’t offer many options for public transportation, you can also look into walking routes, getting a bike, rideshare opportunities, or transit options that can be reimbursed by employers.

No matter your credit history, age, driving record, or ZIP code, the most important thing to take away is that you don’t want to be an uninsured motorist. Seeing monthly rates can feel daunting, especially if you’re on a budget. But it’s still possible to get quality coverage you can afford.

Finding car insurance quotes and comparing them online is the best way to save on your auto insurance policy. Our tools make it easy for drivers to shop around and compare rates in a matter of minutes. In just a few clicks and completely for free, we do all of the work to help you find a cheap, good-quality auto insurance policy.