Getting car insurance in Kentucky | Find the best rates online

Car insurance in Kentucky

Learn all about the state’s minimum requirements, plus some of the ways you can get cheaper auto insurance in Kentucky.

Getting cheap auto insurance in Kentucky

Finding the right car insurance policy for you can be tricky — you need to balance the cost of insurance with finding the security and protection that you need. You also might need to consider your state’s requirements for car insurance. Plus, if you’re financing or leasing your car you may face additional insurance requirements.

In Kentucky, you’re required to carry liability and personal injury protection coverage. Make sure to keep your registration and proof of insurance in your car so that you can easily access it, if requested.

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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. Those factors include:

  • Age. Young drivers under 25, as well as seniors, will pay more for car insurance. Drivers under 25 — and especially male drivers under 25 — are believed by the insurance industry to be at high risk for car accidents. This means the older you get, the lower your car insurance rates will tend to be, until you reach a certain age.
  • Gender. Men can often expect higher premiums. This is sometimes further modified by age and marital status; the differences in cost between men and women mostly disappear by the age of 35.
  • Driving experience. L platers and P platers typically pay more, which often compounds the effect of age on premiums.
  • Type of car. You might think screaming down the highway in a red Corvette sounds like fun, and you’re probably right, but luxury and sports cars are almost always more costly to insure than sedans and minivans. This is for several reasons, but mostly because fast cars tend to be driven fast, putting these cars and their drivers at a higher risk for accidents.
  • Occupation. People who have long commutes or who drive around all day for work — say, outside sales representatives or transporters — can expect higher premiums. However, many professionals who drive a lot have work vehicles, or else have car insurance coverage through their employers to cover their mileage when they’re on the clock.
  • Marital status. Single people are seen by insurers as less stable than their married counterparts. If you get married, you’ll see your premiums decrease right away.
  • Location. Some places are at higher risk of theft, vandalism and other potential hazards, which incurs higher costs. Urban drivers are at higher risk for an accident than people who live far outside the city limits. Similarly, if one area is more prone to flooding or storms you may expect this to impact your premiums.
  • Claims history. The more car insurance claims you have made in the past, the higher your premiums will generally be.
  • Driving record. The more violations you have on your driving record, the more you can expect to pay for your car insurance. If you’re notorious for speeding, driving under the influence or trying to start a drag race at every red light, your insurer will likely know about it and raise prices accordingly.
  • Credit score. Like it or not, nearly all auto insurance providers use your credit score to help calculate your risk before arriving at a policy cost. This is because multiple independent studies indicate that if your credit score is low, you’re more likely to be involved in an accident.
    However, there are a few states where car insurance providers aren’t allowed to use credit to determine rates — California, Massachusetts and Hawaii.
  • Other drivers. Only certain people will be approved to drive the car, and all of them impact the cost. Even the world’s safest driver will get a substantial price hike by listing another less-safe driver on the policy.
  • Typical driving habits. Your typical distance driven, how often you get behind the wheel and where you drive all play a part in your car insurance prices.

Car insurance laws 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.


Auto insurance providers for drivers in Kentucky

Rates last updated April 20th, 2018
Details Features
Liberty Mutual Car Insurance
Liberty Mutual Car Insurance
Car insurance through Liberty Mutual will give coverage options for almost any situation.
  • Multi-car discount
  • Bundle discount for combining auto and home policies
  • New vehicle discount
Get Quote More info
Esurance
Esurance
Esurance offers a modern online and mobile experience that helps you take your insurance on the go.
  • CoverageMyWay® helps you make smarter choices
  • Gain peace of mind with 24/7 claims service
  • Manage your policy on the go with Esurance Mobile
Get Quote More info
Allstate Auto Insurance
Allstate Auto Insurance
With a range of coverage options at affordable prices, Allstate auto insurance can be personalized to your needs as a driver.
  • Reward System for Safe Drivers
  • Bumper-to-Bumper Basics® Tool
  • Comprehensive Tools to Design a Customized Insurance Plan
Get Quote More info

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 days 1 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.

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