Best Auto Insurance Rates in Kentucky

On average, your neighbors pay $66 a month.

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Compare Auto Insurance in Kentucky

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

How much is car insurance in Kentucky? Residents shouldn't be surprised to learn average car insurance rates in Kentucky are slightly below the national average. The average cost of auto insurance in Kentucky is $801.97 per year. The national average price is $889.01.

Prices may vary depending on your limits, coverage, and the total number of claims filed in your zip code.

Kentucky (KY) Average Annual Car Insurance Rates
Coverage Rates
Liability $529.21
Collision $267.91
Comprehensive $141.39
Total Cost Per Year $801.97
Price Per Month $66.83
Source: Facts + Statistics: Auto insurance

The graph below shows the change in average Kentucky rates from 2011 to 2015, the most recent year the data is available. According to the III, Kentucky car insurance rates increased from $744 in 2011 to $802 in 2015, a jump of $57 dollars, or 7.71 percent.

Kentucky average car insurance rates

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 multiple companies.

Most Popular Auto Insurance Companies in Kentucky

These are the auto insurance carriers most commonly used by QuoteWizard users in Kentucky last year. Of the 144,323 Kentucky drivers who used QuoteWizard to find better rates, 20,008 were uninsured.

  1. State Farm
  2. Progressive
  3. GEICO
  4. Allstate
  5. Nationwide
  6. Liberty Mutual
  7. Esurance
  8. Farm Bureau
  9. Safeco
  10. Farmers

Which company has the best auto insurance coverage for you? Check out our insurance company comparison page and see for yourself. We've put together detailed overviews of the biggest insurance companies in the country. You can compare the pros and cons of 30 top insurers side by side.

Are you looking for high-risk auto insurance and struggling to get coverage? If one of our regular providers can't help, contact the Kentucky Automobile Insurance Plan (KAIP). It's a state-run program that can help you get the minimum liability insurance you need.

Teen drivers (or their parents) know first-hand how expensive it is to insure a young driver. Our research shows that teens can pay an average of $438 a month on auto insurance. GEICO, Progressive, and AAA have been known to provide good auto insurance for Kentucky teens.

Top 10 Vehicles

These are the most commonly owned cars of QuoteWizard users in Kentucky:

  1. Ford F-150
  2. Chevrolet Impala
  3. Ranger
  4. Ford Focus SE
  5. Dodge Ram 1500
  6. Chevrolet Silverado C1500
  7. Chevrolet Malibu
  8. Ford Mustang
  9. Ford Fusion SE
  10. Taurus SE

Kentucky Car Insurance Rate Factors

Kentucky average auto insurance costs come in a bit below the national average. There are regional factors that affect the insurance rates of all drivers in the area.

Uninsured Drivers

As of 2015, 11.5 percent of Kentucky drivers are uninsured. This puts them at 26th in the nation for highest rate of uninsured drivers. A low percentage of uninsured drivers means that insured drivers don't have to cover as much of the risk. That, in turn, lowers rates for all insured drivers.

Best and Worst Drivers

Our national study found thatKentucky has the 10th best drivers in the country. Our city study concludes thatLouisville comes in 17th andLexington comes in 23rd for best drivers in the country. Living in an area with good drivers can help lower your rates, and it seems that Kentucky excels in that department.

Kentucky's Most Commonly Stolen Vehicles

Insuring a commonly stolen car can cost more than an average car. Check out the list of Kentucky's most common targets of auto theft and see if your car is at risk.

Source: National Insurance Crime Bureau—2017 Hot Wheels Report

  1. 2005 Ford Pickup
  2. Chevrolet Pickup
  3. 2012 Toyota Camry
  4. 2005 Chevrolet Impala
  5. 2002 Dodge Pickup
  6. 2002 Honda Accord
  7. 2016 Nissan Altima
  8. 2010 Toyota Corolla
  9. 1999 Ford Pickup
  10. 1998 Chevrolet Pickup

Car Insurance Discounts

Insurers offer many different discounts as incentive for reducing risks. Here are some of interest to Kentucky drivers:

  1. The average Kentucky household has two cars. If you or your family have more than one car, look into a multi-car discount.
  1. Do you already have a life, home, or renters policy? See if you can bundle it with auto insurance. Bundling helps you to save money on both policies.  
  2. The average Kentucky commute time is 22.4 minutes, shorter than the national average. If you have a quick drive to work, ask about a short commute discount.
  3. About 9.3 percent of Kentuckians carpool. If you have someone else behind the wheel on the way to work, you're less of a risk. See if your insurer has a low mileage discount.
  4. Retirees are finding Kentucky very attractive. If you're 55+ and/or retired, ask your insurance company about a discount.

Kentucky Car Insurance Laws

Minimum Requirements

If your car is registered in Kentucky, you are required to carry minimum insurance coverage of 25/50/10. This means any policy you have must at least have:

  • Bodily Injury Liability: $25,000 per person
  • Bodily Injury Liability: $50,000 per incident
  • Property Damage Liability: $10,000 per incident

Kentucky is one of the few states that has no-fault insurance laws. If you're injured in an accident, this allows you to file for compensation from your own insurance company for damages regardless of whether the other driver is insured. As such, Kentucky insurers require that you also carry $10,000 in Personal Injury Protection (PIP) coverage.

Recommended Coverage

Kentucky drivers face high insurance rates due to having the sixth highest fatal crash rate in the nation. The high rate of serious accidents means you should consider buying collision coverage or personal injury protection.

While you're at it, assess your liability level. A minimum policy comes with liability, and it ' s enough to get you on the road. It covers some of the other driver ' s damages after a crash, but it doesn ' t cover your costs. And if you are in a severe accident, there ' s a good chance that the cost will extend beyond the coverage limit of a basic liability policy. As such, we suggest buying:

  • Individual Bodily Injury Liability: $100,000  
  • Total Bodily Injury Liability: $300,000  
  • Property Damage Liability: $100,000 

Required Proof of Insurance

You must be prepared to show proof of insurance to law enforcement upon request. Proof of insurance may be in hardcopy or electronic form.

SR-22 Requirements

Kentucky is one of six states that does not require an SR-22 . If you have an SR-22 in another state, however, you must maintain it for the required time period.

Totaled Cars with Salvage or Rebuilt Titles

If you ' re in an accident and the cost to repair your car is more than what the car is worth, it is totaled. Totaled cars receive a salvage title. If the car is repaired, it receives a rebuilt title.  

Each state rates totaled cars differently. In Kentucky, the status of the car is rated by a percentage limit of 75 percent. This means if the cost to repair the car is equal to 75 percent of the car ' s actual cash value, your insurer will deem it totaled.

Finding adequate insurance for a salvaged or rebuilt car can be difficult. At the very best, you ' re looking at a high premium. Some insurers do not even cover salvaged or rebuilt cars.

Kentucky Traffic Safety Laws

Distracted Driving

Kentucky drivers 18 and older are allowed to use a handheld phone for phone calls and GPS locating. Drivers under 18 years of age are prohibited from using handheld devices at any time. Drivers of all ages are prohibited from texting while driving.

DWI Laws

If you are found driving in Kentucky with a Blood Alcohol Level (BAC) of 0.08 percent or more, you are guilty of " Driving While Intoxicated " (DWI). Depending on how many DWI offenses are on your record, penalties can include:

  • A fine of $200 to $1,000
  • Two days to 12 months in jail
  • Thirty days to three years ' license suspension
  • Ninety days to one year in an alcohol or substance abuse program

Kentucky is a Zero Tolerance state. This means a driver under 21 years of age found operating a vehicle with a BAC of 0.02 percent or higher can be cited for a DWI.

Kentucky ' s Implied Consent law requires that drivers submit to a blood, breath, or urine test if law enforcement reasonably suspects you of a DWI. If you refuse the test, you face the additional following penalties:

First Offense: minimum 30-day license revocation

Second Offense: minimum one-year license revocation

Third Offense: minimum two-year license revocation

Regardless of which of the above penalties you receive, on top of that, you will see your auto insurance rates go up. Our studies show you can expect to pay $830 more per year for auto insurance after a DUI. This assumes you ' re able to find coverage after a DUI.

Senior Drivers

When you turn 65, you will probably see your auto insurance go up. If you ' ve kept your driving record clean then the increase should be minor. However, as you get older, you ' ll see your rates go up. Kentucky has no special provisions for senior drivers.

Cars Registered in Other States

If you are driving in Kentucky with a vehicle registered in another state, you must have the home state ' s required auto insurance. You must carry proof of insurance as well.

Kentucky Department of Insurance

Insurance Commissioner:
Nancy G. Atkins
(502) 564-3630
Department of Insurance
215 West Main St
Frankfort, KY 40601
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