Kentucky Car Insurance

Last Updated on April 2, 2020

Kentucky State Capitol

Your guide to auto insurance in the state of Kentucky

Kentucky is known as the Bluegrass State, but did you know that it’s not a reference to the type of music? In fact, Kentucky has an actual form of grass that covers this beautiful, mountainous state. Although its actual color isn’t blue, if it gets tall enough, it will bloom with blue flowers.

Drive through Kentucky on a warm spring day and you’ll see sprawling fields of pastures and plenty of beautiful horses as well. Whether you’re going to Louisville or Frankfort, driving through Kentucky is a great road trip, but make you’re protected while you’re driving and we don’t just mean wearing your seatbelt. Kentucky auto insurance is essential to not only protecting yourself but also your passengers. Drive safely and drive insured.

Kentucky is known as a choice no-fault state. In other states that have a different form of insurance, the driver that causes the accident is liable for all injuries, which means you have to pay the medical expenses. In a no-fault state, as long as you have personal injury protection (PIP) coverage, your medical expenses are covered up to your coverage limit no matter who caused the accident. In Kentucky, you have the option to decline PIP coverage, you’re still required to purchase Guest PIP coverage, which protects your passenger and pedestrians. Be sure to speak to your insurance agent about your specific Kentucky auto insurance needs.

Average Auto Insurance Prices in Kentucky

Kentucky auto insurance rates will always vary so it’s hard to give an estimate before understanding how your premiums are determined. Keep in mind that rates will change depending on who your insurance company is. The same amount of coverage at one insurer can cost more or less at another so it’s essential that you shop around to get the best prices. We’ve developed our quote comparison tool to make the search easier for you. All that you need to do is enter some basic information and within minutes, you’re provided with reliable quotes from local insurance providers.

Before you begin to compare quotes though, knowing which factors make up your premium will help you understand how your premiums are being determined. One of the largest factors is your driving history. A spotless record is always ideal, but even the best of us can be guilty of having a lead foot. Of course, infractions are weighed differently. A speeding ticket from four years ago doesn’t pose as much risk as a DUI charge from earlier this year. The insurance company uses your driving record to gauge how much of a risk you pose to them. Other important factors include:

  • Gender
  • Age
  • Marital status
  • Policy lapses

Current average annual auto insurance premiums in the United States: $1666.62

Current average annual auto insurance premiums in Kentucky: $1629.00

Most Expensive Kentucky Insurance Rates

  1. Martin West (41214): $2,389
  2. Paintsville (41527): $2,388
  3. Flatgap (41255): $2,388
  4. Nippa (41254): $2,387

Least Expensive Kentucky Insurance Rates

  1. Newport (41075): $1,213
  2. Newport (41085): $1,214
  3. Alexandria (41076): $1,214
  4. Newport (41071): $1,215

Kentucky Minimum Auto Insurance Requirements

Kentucky law sets a minimum amount of auto insurance, but you should always use it as more of a starting point than a recommendation. While you must adhere to the legal limits to avoid any license or registration suspension, purchasing more insurance is always advised. But, how do you know how much insurance you should purchase? Consider your personal situation. If your car is brand new, you’ll want to purchase both comprehensive and collision with enough coverage to cover a total loss. But, if your car isn’t worth the amount it would cost to purchase comprehensive coverage, your insurance may recommend you only purchase collision. Both coverage forms aren’t required by law but are highly recommended by auto insurance experts.

Another coverage form that you should consider while living in Kentucky is Uninsured/Underinsured motorist coverage. Kentucky has a rate of nearly 18% of uninsured drivers in the state, which is well above the national average of 13%. If you’re involved in an accident caused by an uninsured driver, that driver can provide no means of compensation for your damage or injuries. Instead, it falls to your insurance policy. Having extra protection may be worth the extra cost of insurance.

  • Bodily Injury Liability per person: $25,000
  • Bodily Injury Liability per accident: $50,000
  • Property Damage Liability: $10,500
  • Personal Injury Protection: $10,000

The following amounts and policies are recommended.

  • Bodily Injury Liability per person: $100,000
  • Bodily Injury Liability per accident: $300,000
  • Property Damage Liability: $50,000
  • Uninsured Motorist Bodily Injury per person: $100,000
  • Uninsured Motorist Bodily Injury per accident: $300,000
  • Underinsured Motorist Bodily Injury per person: $25,000
  • Underinsured Motorist Bodily Injury per person: $50,000
  • Medical Payments: $100,000
  • Collision: $500 deductible
  • Comprehensive: $500 deductible
  • Personal Injury Protection: $10,000

Penalties for Driving Without Insurance in Kentucky

In Kentucky, the Kentucky Office of Insurance works hand in hand with the Department of Motor Vehicle Regulation to electronically report all instances of auto insurance. This is good news for Kentucky drivers because it means your proof of insurance is always on the record. But, if you get caught truly driving without insurance, you face large fines or complete registration revocation. While Kentucky auto insurance can seem like another payment, it’s not worth the price you pay.

How to Get Auto Insurance in Kentucky

When you’re searching for a new auto insurance policy, the best thing you can do is shop around, but who has time to compare quotes and policies from multiple providers? We do! All you need to do is use our simple quote comparison tool and you’ll have a variety of policies from local providers in no time. If you need any assistance, simply contact one of our professional insurance agents to help you.

Additional Kentucky Auto Insurance Resources

The information above is for reference material only and Insurance Panda cannot legally be held responsible for anything written above. For official information, visit these websites:

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