Tonya Sisler has a Bachelor’s Degree from the University of South Carolina in Journalism and has worked for 15+ years in management. She has also completed a proofreading certification and is currently a professional writer.

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Brad Larson has been in the insurance industry for more than a dozen years. He started out as a claims adjuster for a national carrier. He has since switched to the agency side of the business. Brad is licensed in all P&C lines.

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Reviewed by Brad Larsen
Licensed Auto Insurance Agent

UPDATED: Jun 29, 2020

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In a nutshell...

  • Kentucky car insurance laws require all vehicles to carry both PIP and liability insurance
  • While policy deductibles play a big part in your premiums, they only play a minor role in the details of your coverage
  • It’s essential to learn about what car insurance discounts are available before shopping for auto insurance in Kentucky

Kentucky car insurance rates average around 10 percent higher than national average premiums, however, finding cheap car insurance is very possible with over 100 licensed car insurance companies selling coverage to Kentucky residents.

Most all big brand names like Geico, State Farm, and Progressive offer comprehensive policy options along with many regional providers.

Finding a Kentucky car insurance company is easy but choosing the right type of coverage can be a little more difficult unless you understand auto insurance.

Enter your zip code above to get FREE car insurance quotes today!

Kentucky Car Insurance Requirements

Take a look at how state minimum car insurance rates vary from state to state.

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Kentucky car insurance laws require all vehicles to carry both PIP and liability insurance and are one of only three states which allow drivers to choose between no-fault car insurance and traditional rules.

Whenever you purchase car insurance in Kentucky you must make an irrevocable choice as what type of insurance you will carry.

The current minimum auto insurance requirements in Kentucky are:

  • $25,000 bodily injury liability insurance per person per accident
  • $50,000 physical injury liability insurance per accident for all persons
  • $10,000 property damage coverage
  • $10,000 PIP (Personal Injury Protection)

Although no-fault car insurance certainly reduces your liability to litigation from any car accident damages, you are only covered up to your policy limits and if they result from insured events.

While $25,000 may seem like a lot of coverage, many Kentucky drivers still opt for much higher levels of coverage due to the extreme cost of medical care.

Any damage resulting in costs beyond your policy limits could be passed on to you personally, so you want to make sure you are fully protected for almost any scenario, and higher limits of coverage can often be purchased for a nominal cost.

Let’s take a look at the average monthly car insurance rates.

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How much coverage do I need?

This will depend on your unique circumstance, but many drivers opt for car insurance with limits of at least $100,000 or more.

The key about auto insurance comes down to the types of coverage and policy limits you purchase.

Here are questions you should understand:

  • Are you covered for a GAP between your auto loan and the book value of your car?
  • Are you fully covered with comprehensive insurance for any damage to your car?
  • Do you have a full replacement value of your vehicle?

Many drivers still only learn about car insurance when its time to make a claim and for many – this is too late to avoid any personal liability.

Kentucky Car Insurance Rates

While Kentucky drivers average a little more than 10 percent higher car insurance premiums than the national average, drivers still have a wealth of car insurance companies to choose from and can take advantage of many car insurance discounts to help lower their premiums.

Let’s take a closer look at how ZIP codes affect car insurance in KY.

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From a low mileage discount to multi-policy discounts, it’s essential to learn about what car insurance discounts are available before shopping for auto insurance in Kentucky.

Where do you start?

Car insurance comparison is the best way to compare rates, learn about the providers and educate yourself about auto insurance. Try to compare at least a handful of providers and read up on the types of car insurance.

Never compare policies just by premiums as in the event of a car accident your premiums will not pay your claim – only the details of your coverage.

Finding affordable car insurance is very possible, but you also need to focus on a combination of cost and coverage.

Age and gender will affect your car insurance. Younger drivers are often in a high risk class. See if the gender stereotype (males pay more) holds true in KY.

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Take a look at these 6 major factors affecting auto insurance rates in Kentucky.

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Who is the cheapest car insurance company in KY? Review the average auto insurance rates by company below:

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Who are the largest auto insurance companies in KY?

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Enter your zip code below to get FREE car insurance quotes today!

References:

  1. https://www.statefarm.com/simple-insights/saving/these-7-factors-determine-car-insurance-premiums
  2. https://www.nationwide.com/personal-injury-protection.jsp
  3. https://www.thebalance.com/filing-auto-insurance-claim-2645925
  4. https://www.farmers.com/auto/discounts/