Cheap car insurance in Kentucky | finder.com

Cheap car insurance in Kentucky

We value our editorial independence, basing our comparison results, content and reviews on objective analysis without bias. But we may receive compensation when you click links on our site. Learn more about how we make money from our partners.

How to get cheap car insurance in Kentucky

Kentucky drivers will pay about the national average for car insurance, but drivers in big cities like Lexington could expect to pay more.

Kentucky

Car insurance quick facts

25/50/10

Minimum liability requirements

$1,400

Average annual car insurance cost

90

Days to update your license

No-fault state

In no fault states, each driver pays for their own damages in an accident.

  • Top-rated insurer
  • Online quotes & claims
  • Bundle and save

Our top pick: Progressive

Save up to 31% with safe driver discounts and bundling all your rides in one convenient policy.

  • Top-rated insurer with 80 years of experience
  • Easy online sign-up and reporting
  • Multiple discounts available
  • Transparent quoting
Promoted

Compare Kentucky car insurance

Name Product Roadside assistance New car protection Accident forgiveness Available states
Optional
All 50 states
Save up to 31% with safe driver discounts and bundling all your rides in one convenient policy.
Optional
AZ, CA, IL, NJ, OR, PA, VA, WA
Drive less than 30 miles a day? Save on the coverage you need with pay-per-mile insurance from Metromile. Get a low monthly rate then pay just a few cents per mile. Available in AZ, CA, IL, NJ, OR, PA, VA and WA.
All 50 states
Enjoy having your own dedicated agent to help you get the best discounts and coverage.
Optional
All 50 states
Car insurance through Liberty Mutual will give coverage options for almost any situation.
AZ, AR, CO, DE, GA, IL, IN, IA, KY, LA, MD, MI, MS, MT, NE, NM, ND, OH, OK, OR, PA, SC, TX, UT
Root offers simple, affordable insurance that’s ideal for good drivers. Try the Root app for 2 weeks and see how much you could save. Available in 24 states.
All states except AK, DE, HI, MT, NH, VT, WY
Esurance offers a modern online and mobile experience that helps you take your insurance on the go. Available in 42 states.
All 50 states
Backed by nearly 100 years in the business, Farmers Insurance aims to offer options and support to help you find the coverage you need.
Optional
All states except Hawaii, Massachusetts, Michigan and New Jersey
The General offers affordable coverage for nearly any driver who needs car insurance.

Compare up to 4 providers

Most popular Kentucky auto insurance companies list

CompanyDirect premiums written (billions)Market share
State Farm$715,90422.5%
Kentucky Farm Bureau$602,62018.9%
Progressive$297,8739.3%
Geico$220,7606.9%
Liberty Mutual$206,2026.5%
Allstate$195,7816.1%
USAA$157,8575.0%
Nationwide$72,7222.3%
Shelter$61,4541.9%
Auto-Owners Insurance Co.$61,3351.9%

Average car insurance costs in Kentucky

Landing above the national average but not by much, Kentucky drivers pay an average of $1,300-1,400 per year for auto insurance coverage. This means if you’re over 25 and you don’t have any serious black marks on your driving record, you can probably expect an annual rate in that ballpark.

However, because car insurance is affected by so many outside factors, you could still end up paying significantly more or less for your car insurance.

Cheapest car insurance rates in Kentucky

CompanyAverage annual rateLearn more
Kentucky Farm Bureau$600
State Farm$741
USAA$799
Cincinnati$874
Safeco$1,292
Motorists$1,294
Progressive$1,324
Geico$1,479
Allstate$1,494
Metromile$1,917

Car insurance requirements in Kentucky

To fulfill Kentucky’s requirement in order to drive, your car insurance needs to include at the minimum:

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

If you’re shopping for car insurance, you’ll sometimes see this written as 25/50/10.

Additionally, you’ll also need to purchase $10,000 in Personal Injury Protection (PIP). It is a requirement in Kentucky for all car insurance policies to include PIP. However, you have the right to decline no-fault coverage — just waive your right to this policy in writing and submit it to the Kentucky Department of Insurance.

Uninsured motorists coverage protects you if you get into a car accident with someone who is at fault for the accident but doesn’t carry insurance. Some states require that you carry this type of insurance — Kentucky doesn’t.

Additional options are available if you want to supplement your car insurance, such as:

  • Collision. Helps pay for damages caused by crashes.
  • Comprehensive. Helps pay for damages caused by non-collision events, such as fire, weather, and theft.

What happens if I’m driving in Kentucky and I don’t have insurance?

  • First offense. Your first offense may result in $500–$1000 in fines, 90 days of jail time, a one year suspension on your vehicle’s registration (or until proof of insurance is submitted) and $40 to reinstate your vehicle.
  • Second and subsequent offenses. After that, $1,000–$2,500 in fines, 180 days of jail time, a one to two year suspension on your vehicle’s registration, $40 fee to reinstate your vehicle, proof of a new insurance policy and retaking driving exams if your license is suspended for over a year.

Uninsured drivers in Kentucky

Even though it’s required to have car insurance in Kentucky, 16% of Kentucky drivers do not have an insurance policy — this is a lot higher than the 12.6% national average. To protect yourself against uninsured drivers, consider adding uninsured or underinsured motorist insurance to your insurance package to protect yourself against future harm.

Can I get temporary insurance?

Yes, you can. You might need coverage for a short period for a borrowed car or rental car. It’s perfectly legal to purchase short term car insurance for less than six months, but most insurance companies won’t offer this option.

Your best option might be to call your current insurance provider or an online provider to find out your options. You can also find a policy that lets you cancel for no or low fees, and transfer to a more long term option when you’re ready.

Get the cheapest quotes

Compare car insurance companies near you.

Your information is secure.

Drunk driving laws in Kentucky

1st Offense2nd Offense3rd Offense
JailNone5 days60 days
Fines and Penalties$600 to $2,100$1,100 to $5,100$2,100 to $10,000
License Suspension90 days1 year3 years
IID RequiredNoNoNo

Aggravated DUI laws

Kentucky also has laws addressing aggravated DUIs — basically, a drunk driving incident where serious damage was done or there was very high risk of damage. These offenses carry much more severe penalties. Some examples of aggravated DUI circumstances:

  • Driving 30 MPH over limit
  • Driving the wrong way on divided highway or access ramp
  • Causing an accident that resulted in injury or death
  • BAC is 0.18% or higher
  • Refusing to take DUI tests
  • Passengers in vehicle under the age of 12

What happens after a car accident?

No matter how big or small the car accident, do your best to stay calm. Follow these steps to make sure that you’re protecting yourself and your passengers.

  1. Safety first. Make sure that everyone is safe from danger. If there is anyone seriously hurt or in a dangerous situation, contact 911 or the police immediately.
  2. Exchange information. Take down information about the drivers involved like name, contact information, driver’s license number, car types, insurance, and address of the crash.
  3. Notify your insurance agent. The insurance agent will walk you through the next steps to file your claim.
  4. Document the scene. Take as much information as you can by taking photos of the damage from all angles.

Who’s at fault after an accident?

Kentucky is a no-fault state. So, you’ll need to purchase no-fault coverage if you want to drive in Kentucky. This package means that it will cover the costs of all people involved in the accident, regardless of who is at fault.

When should I report an accident to the authorities?

If the accident results in death, injury or over $500 in property damage, you need to report the incident to the Kentucky State Police (KSP). The investigating officer will ask you to provide information to file the report. Keep in mind that you’re legally required to provide this information.

Bottom line

Make sure that you own a suitable insurance package for you, your car and lifestyle. Keep in mind that Kentucky has a particularly high uninsured drivers rate, so research your options and see what car insurance plan is in your best interest.

To learn more, from state regulations to the best discounts and coverage, visit our comprehensive guide to car insurance.

Get the cheapest quotes

Compare car insurance companies near you.

Your information is secure.

Frequently asked questions about car insurance in Kentucky

Which car insurance provider is best for me?

Looking to save on car insurance? Answer these three questions to find a provider that best fits your needs and budget.

Question 1 of 2

Based on your answers, check out:

Compare more car insurance companies

Was this content helpful to you? No  Yes

Ask an Expert

You are about to post a question on finder.com:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder.com provides guides and information on a range of products and services. Because our content is not financial advice, we suggest talking with a professional before you make any decision.

By submitting your comment or question, you agree to our Privacy and Cookies Policy and Terms of Use.

Questions and responses on finder.com are not provided, paid for or otherwise endorsed by any bank or brand. These banks and brands are not responsible for ensuring that comments are answered or accurate.
Go to site