Kentucky Car Insurance

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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.

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Kentucky Car Insurance Requirements

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.

Drivers can save $859/yr* by comparing car insurance

*based on a survey of 1,000 car insurance customers

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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.

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.

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

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