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Finding Cheap Auto Insurance in Kentucky

If you’re looking to save money on your Kentucky auto insurance, check out the rate comparisons below. We’ve evaluated 15 major auto insurance companies in Kentucky to find the best rates for a variety of drivers.

Cheap auto insurance in Kentucky for good drivers

Auto insurance companies generally reward drivers who avoid accidents and tickets with the best rates. If you’re a good driver, get Geico and State Farm auto insurance quotes to see if they have a good deal. The military and veterans should also get quotes for USAA auto insurance.

Cheap car insurance in Kentucky for speeding drivers

Some Kentucky auto insurance companies will increase your rates if you get pulled over for speeding. If you have a speeding ticket on your record, get Geico and State Farm auto insurance quotes. USAA is a good option for the military and veterans.

Kentucky Cheap Auto Insurance For Drivers Who Have Caused In An Accident

Getting into a car accident that injures someone else will result in higher auto insurance rates. But that doesn’t mean you can’t shop around for better rates. View quotes from Geico and State Farm.

Cheap Kentucky Auto Insurance For Drivers With A DUI

Kentucky drivers with a DUI conviction pay on average about $ 1,700 more per year than drivers with good records. If you have a DUI conviction, you can always shop around for better rates. Get quotes from State Farm and Geico, which got the best rates among the companies we surveyed.

Kentucky Cheap Auto Insurance For Drivers With Low Credit

Bad credit typically means higher auto insurance rates in Kentucky. If your credit is low, be sure to look for better rates. Get quotes from Geico and the Kentucky Farm Bureau, which got the best rates from our analysis.

Cheap Kentucky Auto Insurance For Drivers Taken Without Insurance

Driving without auto insurance can cost you money. If you’re looking for auto insurance in Kentucky, get quotes from Geico and State Farm. If you are a military or a veteran, USAA is a good bet.

Cheapest Vehicles for Insurance in Kentucky

With the right vehicle, you can potentially save money on auto insurance. In Kentucky, the Honda CR-V LX, Subaru Crosstrek, and Subaru Forester 2.5i are among the cheapest vehicles for insurance, based on average prices of the top 50 selling 2021 models. The 20 cheapest are below.

The most expensive vehicles for insurance in Kentucky among the popular models are the Lexus ES 300H ($ 3,019 per year) and the Tesla Model S Performance / Plaid ($ 4,621 per year).

Related: The most expensive and cheapest cars to insure nationwide

Minimum car insurance required for Kentucky

You must purchase liability insurance in Kentucky. It pays for injuries and property damage you cause to others. If someone hits your car, you can make a claim with their automobile liability insurance. You can also take legal action against them for your own injuries and damages.

Car owners in Kentucky should purchase liability insurance with at least:

  • $ 25,000 for bodily injury to a person
  • $ 50,000 for bodily injuries to more than one person in a single accident
  • $ 25,000 for property damage in an accident

An alternative in Kentucky is to purchase a single limit policy with $ 60,000 coverage.

Basic repair services (BRB). You must carry a minimum of $ 10,000 per person in BRB benefits, unless the vehicle is a motorcycle. BRB covers injuries in a car accident, which can include medical bills and lost wages. BRB is sometimes referred to as “Personal Injury Protection” (PIP).

What else should I have?

Supplementary repair indemnities (ARB). In addition to the basic repair benefits, you can purchase ARBs in increments of up to $ 10,000 per person, up to your total personal injury limits, or $ 40,000, whichever is less. Like BRB, additional repair benefits pay for injuries in a car accident.

Collision and full coverage. These types of insurance are optional, but generally good coverage to have. Together they cover a wide range of issues such as car accidents, car theft, vandalism, riots, hail, floods, fires, falling objects and collisions with animals (such as birds and deer).

If you have an auto loan or lease, your lender or leasing company will usually require you to purchase collision and comprehensive insurance.

Coverage for uninsured motorists. If someone without auto insurance hits you, Uninsured Motorist (UM) coverage pays for medical bills. Kentucky does not require this coverage, but auto insurance companies must offer UM to you. If you don’t want to, you can decline it in writing, but this coverage is worth taking out.

A similar coverage is coverage for Underinsured Motorists (UIM). This pays for medical bills when another driver hits you but they don’t have enough insurance. After the responsible driver’s insurance is exhausted, your UIM coverage kicks in. If you want UIM coverage in Kentucky, you will need to apply.

Summary: Auto Insurance Required for Kentucky

Can I show my insurance ID card from my phone?

Kentucky allows you to use your phone to show an auto insurance ID card. If you are arrested, you don’t have to hope that your ID card is somewhere in your glove compartment. Many auto insurers have mobile apps that include access to an insurance ID.

Factors Allowed In Kentucky Auto Insurance Rates

In addition to your driving record, previous claims, and vehicle model, Kentucky auto insurance companies may use these factors in pricing.

How many uninsured drivers are there in Kentucky?

About 14% of Kentucky drivers don’t have auto insurance, according to the Insurance Research Council. This is why it is good to have your own insurance to cover the problems they cause, including PIP insurance, collision insurance, and / or uninsured motorist coverage.

Penalties for driving without automobile insurance

If you’re caught driving uninsured in Kentucky, you can be fined $ 500 to $ 1,000 and stay in jail for up to 90 days.

When can a vehicle be totaled in Kentucky?

Your car could be badly damaged by a problem like a car accident or a flood. Kentucky auto insurance companies can report your car as total loss when the damage exceeds 75% of the car’s retail value according to the NADA price guide.

Resolve insurance issues

The Kentucky Department of Insurance is responsible for monitoring insurance companies and handling consumer complaints. If you have a dispute with an insurance company, you can file a complaint online, by mail or by fax.

Methodology

To find the cheapest auto insurance companies in Kentucky, we used rates from Quadrant Information Services, a provider of insurance data and analytics. Rates are based on a female driver with a clean criminal record insuring a Toyota RAV4 with $ 100,000 in bodily injury liability coverage per person, $ 300,000 per accident and $ 100,000 in property damage liability, coverage for uninsured motorist and any other coverage required in the state. The rate also includes collisions and comprehensive risks with a deductible of $ 500.

The companies we evaluated for Kentucky were Allstate, Auto-Owners Insurance, Cincinnati Insurance, Geico, Grange Mutual, Kentucky Farm Bureau, MetLife, Nationwide, Progressive, Safe Auto, Shelter, State Auto, State Farm, Travelers, and USAA.

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