Cheap Auto Insurance Quotes in Ashland, KY (2021)

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Car Insurance in Ashland, KY

The average cost of Kentucky car insurance will vary from city to city and between insurance companies. Insurify analyzed the latest insurance rates in Ashland, KY to find you the cheapest quotes in the area.

Quotes by Top Carriers
Quotes ($/mo)
$45
$143
$180
$229
$321
ProgressiveState FarmTravelersThe GeneralAmerican Family
Monthly $

Cheapest Car Insurance in Ashland, KY

Here are the cheapest carriers in Ashland 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.

Average Car Insurance Cost

Quotes by Top Carriers
Quotes ($/mo)
$179
$273
$155
$137
$148
$184
KentuckyLouisvilleBowling GreenOwensboroCovingtonAshland
Monthly $

Click here to learn about car insurance quotes and save on your current policy.

Ashland, KY Driving Facts

kentucky

Minimum Car Insurance Requirements in KY

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. 

Find local Ashland agents

Greg Gibson Insurance & Financial Services
12544 Us-60 Suite C, Ashland, KY 41102
Midland Insurance Agency, Inc.
2841 - 13th Street, Ashland, KY 41102
Larra Ferguson: Allstate Insurance
4332 13th St Unit 1, Ashland, KY 41102
Kentucky Farm Bureau Insurance Boyd County - Carter Ave
2025 Carter Ave, Ashland, KY 41101
Ky Farm Bureau Insurance, Paul Daniels Agency
2025 Carter Ave, Ashland, KY 41101
Huffman Insurance Agency
1410 Winchester Ave, Ashland, KY 41101
Charles C Adams Insurance Inc
221 20th St, Ashland, KY 41101
Peoples Insurance Agency - Ashland Office
1999 Winchester Ave, Ashland, KY 41101
Nationwide Insurance: James R Justice Ii & Associates Inc.
1205 Montgomery Ave Ste 3, Ashland, KY 41101
Harold D. Miller Insurance Agency
2017 29th St, Ashland, KY 41101

Insurify Insights: How Ashland Drivers Measure Up

honda
Honda Civic
Most Popular Car in
Ashland, KY
suspended licenses
#8
Cities with Most
Suspended Licenses Rank

Drawing from their database of over 4 million car insurance shopper applications, the data scientists at Insurify have published various reports on driver behavior and car ownership — including how Ashland drivers measure up to their fellow Kentucky motorists in the rankings above.

From driver performance across different geographical locations and demographics to patterns in motor vehicle ownership and auto insurance coverage, Insurify Insights publishes data-driven articles, trend analyses, and national and local rankings each week on all factors related to cars and those who drive them.

Accidents Ashland

While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Ashland drivers rank 33 in the number of car accidents per driver across all cities in Kentucky.

  • Rank within state: #33
  • Percent of drivers in Ashland with an accident: 5.94%
  • Drivers in Ashland, KY with an accident in their driving history paid on average 38.46% more than drivers with a clean record

Speeding Ashland

Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in Kentucky, Ashland drivers rank 18 in the number of speeding infractions per driver.

  • Rank within state: #18
  • Percent of drivers in Ashland with a speeding ticket: 7.67%
  • Drivers in Ashland, KY with a speeding ticket in their driving history paid on average 31.36% more than drivers with a clean record

DUI/DWIs Ashland

While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Ashland drivers rank 6 in the number of DUI’s per driver across all cities in Kentucky.

  • Rank within state: #6
  • Percent of drivers in Ashland with a DUI: 3.71%
  • Drivers in Ashland, KY with a DUI in their driving history paid on average 18.34% more than drivers with a clean record

Most Popular Vehicle Ashland

Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Ashland is the Honda Civic.

Insurify Rate Comparison Methodology

The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.