Best Car Insurance Rates In The Great State of Kentucky

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Compare Auto Insurance Quotes in Kentucky to Get the Best Rates

Compare Auto Insurance Quotes in Kentucky to Get the Best Rates

Kentucky residents looking to learn more about insurance coverage for their horse trailers have come to the right place! For the majority of Kentucky residents, who don’t have horses, this page will still be helpful.

It will inform you of obscure but important insurance laws, provide valuable information about the cost of driving including average rates, and share some insights about insurance risk. It will help ensure that when you ‘pony’ up for insurance, you’ll have the right coverage.

Average Kentucky Car Insurance Rates

Residents shouldn't be surprised to learn average car insurance rates in Kentucky are slightly below the national average. Prices may vary depending on your limits, coverage, and the total number of claims filed in your zip code.

The average cost of auto insurance in Kentucky is $782.89 per year. The national average annual cost of auto coverage is $866.31.

Kentucky Average Annual Car Insurance Rates
Coverage Rates
Liability $523.10
Collision $260.85
Comprehensive $133.55
Total Cost Per Year $782.89
Price Per Month $65.24

When it comes to car insurance, finding a policy in Kentucky that fits your needs and budget can be tough. Comparing companies and rates makes things a lot easier.

With QuoteWizard, you can compare quotes from top car insurance companies and discover which one is best for you. All it takes is a few clicks, and you’ll have all the information and help you need!

Last year, 48,698 people used QuoteWizard to compare car insurance quotes in Kentucky from top companies and find the cheapest rates.

Top 10 Vehicles in Kentucky

These are the 10 most common vehicles owned by Kentucky drivers requesting car insurance quotes through QuoteWizard in the past year.

  1. Ford F150
  2. Chevrolet Silverado
  3. Ford Ranger
  4. Chevrolet Cavalier
  5. Chevrolet Blazer
  6. Ford Taurus SE
  7. Ford Mustang
  8. Chevrolet Impala LS
  9. Toyota Camry LE/XLE/SE
  10. Chevrolet Malibu
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Best Kentucky Car Insurance Companies

Last year, these were the 10 most common car insurance companies reported by QuoteWizard users living in the state of Kentucky. Out of the 48,698 Kentucky drivers that used QuoteWizard to request insurance quotes last year, 6,105 had no car insurance.

  1. Geico
  2. Allstate
  3. Progressive
  4. Nationwide
  5. Liberty Mutual
  6. Farmers
  7. Esurance
  8. MetLife
  9. AIG
Get a quote from some of these top rated insurers! Request Quote Get a Quote From Top Insurers

Kentucky State Auto Insurance Laws

Car Insurance Minimum Coverage

If you drive a vehicle registered in Kentucky, you must maintain a minimum level of insurance coverage of 25/50/10.

This means that any policy must include the following:

  • $25,000 of coverage for bodily injury liability per person
  • $50,000 of coverage for bodily injury liability per incident
  • $10,000 of coverage for property damage liability per incident

Kentucky is one of the 12 US states that have a no-fault insurance system. In no-fault states, accident victims can collect benefits from their insurance companies, regardless of whether the other party is insured. Liability coverage is meant to help pay for other peoples’ medical and repair bills if you're found at fault in a car accident. Personal Injury Protection coverage is intended to pay for your medical expenses after an accident, regardless of who was at fault.

 

In addition to the coverage above, Kentucky requires drivers to purchase $10,000 in Personal Injury Protection coverage.

Required Proof of Car Insurance

Any time you drive in Kentucky, you must be prepared to show your car insurance identification card to law enforcement upon request. You will get this identification card from your car insurance company when you buy a policy. The card must include all of the following:

  • Name of the insurance company
  • Policy number
  • Effective date of the policy
  • Expiration date of the policy

Penalties

Driving without proof of insurance will result in a first offense fine of $500-$1,000 and/or up to 90 days in jail. Subsequent offenses within five years can result in a fine of between $1000-$2,500 and/or 180 days in jail.

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SR-22 Requirements

Kentucky doesn’t require an SR-22 for DWI offenses. However, if you do have an SR-22 from another state and move to Kentucky, you must maintain your SR-22 in the state where it’s required.

State of Kentucky Traffic Safety Laws

Distracted Driving Laws

Kentucky bans texting while driving. The state also bans drivers under the age of 18 from using cell phones at all while driving. However, there is no ban on cellphone use, even handheld cell phone use, for adult drivers.

Implied Consent Law

Kentucky’s Implied Consent law requires that any driver submit to testing to determine the alcohol or drug content of their blood, breath, or urine when stopped by law enforcement if they reasonably believe that you’ve been driving while intoxicated (DWI). Refuse the test and you’ll face the following penalties in addition to the penalties for a DWI:

  • First Offense: minimum 30-day driver's license revocation
  • Second Offense: minimum 1-year driver's license revocation
  • Third Offenses: minimum 2-year driver's license revocation

DWI Laws and Penalties

If you drive or operate a motor vehicle in the State of Kentucky with a Blood Alcohol Content (BAC) of 0.08%, you are guilty of Driving While Intoxicated (DWI).

The penalties for a first offense DWI conviction are:

  • A fine of between $200 and $500
  • A minimum of 2 days in jail
  • Driver’s license suspended for between 30 to 120 days
  • 90 days of Alcohol or substance abuse program

The penalties for a second DWI conviction are more severe:

  • A fine of between $350 to $500
  • Minimum of 7 days and up to 6 months in jail
  • Driver’s license suspended for 1 year
  • 1 year of Alcohol or substance abuse program

After a third DWI conviction the penalties increase to:

  • A fine of between $500 to $1,000
  • Minimum of 30 days, up to 12 months in jail
  • Driver’s license suspended for 3 years
  • 1 year Alcohol or substance abuse program

Zero Tolerance Law

Any driver that's under 21 years of age and caught operating a motor vehicle with a Blood Alcohol Content (BAC) of 0.02% or higher can be cited for a DWI.

Child Restraint Law

For the protection and safety of young passengers, the state of Kentucky requires that:

  • Any child under 40 inches tall must be in an approved child safety seat
  • Any child, under seven years of age and between 40 and 57 inches tall, must be in a booster seat
  • All children over seven years of age or over 57 inches tall must be secured in a seat belt

Graduated Driver’s License Program

Kentucky has implemented a 3-tier graduated driver’s license program beginning with a learner’s permit and ending with full driver privileges once all conditions are met.

Young drivers must be 16 years  old to get a learner's permit and are required to drive 60 hours under supervision. Ten of those hours must be at night. Once these conditions are satisfied, and the driver has reached at least the age of 16 1/2, they can take the driver’s test. If they pass the test, a provisional license is issued.

Drivers in the provisional license stage cannot drive between the hours of midnight and 6 am. In addition, they are forbidden to have more than one passenger in their vehicle under the age of 20, unless they are supervised by an instructor. Drivers obtain their full driving privileges once they complete the above requirements and turn 17.

All drivers are subject to Kentucky’s point system. A driver under the age of 18 who accumulates more than 6 points, or a driver age 18 and over who accumulates 12 points may have their driving privileges suspended.

Senior Drivers

All Kentucky drivers are required to renew their driver’s licenses every 4 years. Kentucky has no special provisions for senior drivers.

Seat Belt Laws

Kentucky requires that all passengers in a moving vehicle age 7 or older above wear seat belts. Children are required to use approved child seats and seat belts as described above. The maximum fine for a first offense is $25.

The Cost of Driving in Kentucky

Average Car Insurance Rates

The average cost of car insurance in Kentucky in 2014 was $782.89, compared to the national average of $866.31, which ranks Kentucky as the 26th most expensive state in the US for car insurance.

Fuel Taxes

As of January 2016, the state gas tax in Kentucky is 26 cents per gallon for gasoline, and 23.00 cents per gallon for diesel. This is in addition to the Federal fuel tax of 18.4 cents per gallon on gasoline, and 24.4 cents per gallon on diesel. The total tax on regular gasoline works out to 44.40 cents per gallon. The total tax on diesel fuel is 47.40 cents per gallon.

Car Insurance Risk in Kentucky

Uninsured Motorists

The percentage of Kentuckians estimated to be driving without insurance in 2012 was 15.8%. That ranks Kentucky 12th among US states and the District of Columbia, significantly worse than the national average of 12.6%.

Traffic Fatalities

In 2014, Kentucky recorded 672 traffic fatalities, a 5% increase from the 638 traffic fatalities in 2013.

Vehicle Thefts

In 2014, 6,318 vehicle thefts were reported in Kentucky (143.2 per 100,000 people) which was a 3.8%increase from 2013, which saw 6,069 (137.9 per 100,000 people). The vehicle theft rate of 143.2 per 100,000 people is well below the national average of 216.2 per 100,000 people in 2014.

Top 10 Most Stolen Vehicles in Kentucky

Some cars are more prone to theft than others, so be sure to check the list below to see if your car is at an elevated risk on the streets.

Source: National Insurance Crime Bureau - Hot Wheels Report 2014

  1. 1999 Chevrolet Pick-Up (Full Size)
  2. 1997 Ford Pick-Up (Full Size)
  3. 2013 Toyota Camry
  4. 1998 Chevrolet Pick-Up (Small Size)
  5. 2008 Chevrolet Impala
  6. 2014 Toyota Corolla
  7. 1998 Ford Explorer
  8. 1996 Honda Accord
  9. 2005 Nissan Altima
  10. 1996 Jeep Cherokee/Grand Cherokee

Kentucky Auto Insurance Company Market Share

Source: Insurance Information Institute
Rank Market Share Company
1 18.1% Kentucky Farm Bureau
2 7.6% Allstate
3 7.2% Liberty Mutual
4 7.0% Progressive
5 6.5% Geico (Berkshire Hathaway)
6 4.5% USAA
7 3.6% Nationwide
8 2.1% State Auto Insurance
9 1.9% Shelter

Kentucky Department of Insurance

Website:
http://insurance.ky.gov/Home.aspx
Insurance Commissioner:
H. Brian Maynard
Phone:
(502) 564-3630
Email:
doi.info@ky.gov
Address:
Department of Insurance
215 West Main St
Frankfort, KY 40601
File a Complaint:
Complaint Page

Sources:

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