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Temporary Car Insurance in Kentucky (With Quotes)

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Courtney Roy

By: Courtney Roy

| Reviewed by licensed insurance agent, Amber Benka

Last Updated March 9, 2022

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Cheapest Companies for Temporary Car Insurance Kentucky (2022)

For drivers looking for temporary insurance in Kentucky, it’s important that you evaluate all of your potential insurance options to ensure you are finding the best rate. Comparing the right insurance companies will allow you to get the best possible insurance rate for drivers looking for a 6-month policy.

To simplify comparing companies, Insurify has analyzed rates from top insurance providers in Kentucky. The following are the best insurance rates from carriers that offer temporary car insurance for drivers in Kentucky.

CarrierAvg. Monthly Cost
Travelers$184
SafeAuto$214
Safeco$220
Midvale$242
Bristol West Auto$249

What Is Temporary Car Insurance and How to Get It in Kentucky?

A temporary car insurance policy typically has a six-month period and is often less expensive than a long-term 12-month policy. Putting "temporary car insurance" in Google will give you websites pitching daily, weekly, or monthly policies, but beware. These are often clickbait to get you into a standard six-month policy. In the U.S., reputable insurance companies only sell six- or 12-month policies. If you need one that lasts less than six months, think about buying a six-month policy and canceling early.

Short-term car insurance policies keep you from being locked into a high price that doesn’t fit your budget. In six months, you can search for the best rate again and secure a better premium. And there’s no need for the hassle of searching all over the Internet because Insurify lets you find up to 20 short-term car insurance quotes from top companies in a few minutes!

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What Are the Average Short-Term Car Insurance Rates in Kentucky?

With over 25 million quotes in Insurify’s database, the numbers reveal that the average six-month short-term car insurance policy costs $1,780 in Kentucky. When you divide that up, you get a monthly rate of $297, which makes the Bluegrass State seventh for most expensive short-term car insurance in the U.S.

Length of Short-Term Insurance PolicyAvg. Monthly Rate, Short-Term Policy Total Cost of 6 Month, Short-Term Policy
6 months$297$1,780

What Are the Benefits of Choosing a Six-Month Auto Insurance Policy in Kentucky?

What if you find the price of your dreams, and only six months later, the insurance company raises your rate? It’s a common scenario because insurance companies change how they rate risk when new data becomes available. They also profit by incrementally raising rates just enough to earn more and still keep policyholders. One benefit of a short-term policy is that you can take advantage of the incentives companies offer new customers.

Another often overlooked bonus is flexibility. Customer service, claims process, or renewal rate can all be reasons to make you search elsewhere. When you’re only locked in for six months, you have far more options than those in a one-year policy. Just head over to Insurify, and you can compare quotes for up to 20 of Kentucky’s best companies within minutes.

Find Cheap Short-Term Car Insurance in Minutes

You could find cheap short term car insurance options in Kentucky within minutes using Insurify. All you’ve got to do is fill in some basic information about yourself and your car, and you’ll be presented with a list of up to 20 short-term car insurance policy options within minutes. These quotes are customized, real-time, and accurate. Insurify also allows you the option to toggle between the rates for a six-month policy and a 12-month policy—that way you can see for yourself which option is best for you.

Compare quotes fast, free, and online with Insurify’s car insurance quote comparison tool.

Best Short-Term Car Insurance Plans in Kentucky

Insurance prices and policies can vary significantly between companies, and a state like Kentucky draws a wide variety of choices when drivers are evaluating temporary car insurance plans.
Insurify's rate comparison tool will help you make sure you're getting the best possible quote based on your needs and location. You can have peace of mind you're not paying any more than you need to, and customers save $585 per year on average.

Top Auto Insurance Companies

Compare Top Auto Insurance Companies

Use Insurify for all of your car insurance comparison needs! Compare and connect directly with the top insurance companies to find the best rates as well as the most personalized discounts and coverage options. Insurify’s network includes over 200 insurance companies throughout the U.S. who can work with you to get you the right auto insurance policy at the cheapest price. See All Auto Insurance Companies

FAQs - Kentucky Car Insurance

  • There are many different factors that go into the how expensive your car insurance is. That said, some of the reasons why you could be paying so much for your insurance include: living in a state with high minimum insurance requirements, being a young or new driver, committing past traffic offenses like at-fault accidents or DUIs, and having a low credit score.

  • Auto insurance costs will vary between locations and insurance carriers, depending on the county Kentucky. 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.

  • The way to find the carrier with the best auto insurance ratings 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.

  • During the past three years in the United States, national premium costs have risen an average of 4.5 percent annually. In states where quotes have risen, this figure has been 7.8 percent; and in those where rates have fallen, prices have decreased by approximately 6.0 percent. Individual rates by state will of course vary depending on the driver’s history and a multitude of factors.

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Methodology

The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.

Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS 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. 

With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.

Courtney Roy
Courtney Roy

Content Writer at Insurify

Courtney Roy is a financial and technology copywriter. He creates content that makes an actionable difference in the life of his readers. In addition to years of experience across multiple industries, Courtney has insurance licenses, a real estate license, and a degree in electrical engineering. He and his wife chase their five kids in the Phoenix, Arizona sun. You can learn more at thecopyprophet.com.

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