Kentucky tends to be on the expensive side when it comes to car insurance rates, due mainly to higher-than-average vehicle fatality rates. If you’re looking for the cheapest insurance in the state, you’ll want to compare multiple quotes.
Each insurer uses its own formula to determine premiums, weighing factors such as location, age, gender, driving history, and vehicle type. This means that car insurance rates can vary substantially from one insurance company to another.
Jerry offers a quick and convenient way to compare quotes and switch plans. Want to give it a try? Enter your ZIP code to get cheap car insurance quotes from the best insurance companies in Kentucky. And if you want to learn more about car insurance rates in Kentucky, keep reading.
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Using Jerry to view quotes from multiple providers is the best way to find cheap car insurance in Kentucky.
Cheapest minimum coverage car insurance in Kentucky
The minimum required insurance coverage varies depending on your state laws. In Kentucky, drivers must have the following:
$25,000 bodily injury liability per person
$50,000 bodily injury liability per accident
$10,000 property damage liability per accident
Remember, the minimum insurance coverage is a requirement, not a recommendation. In some cases, minimum liability car insurance won’t cover all your expenses in the event of an accident. If you can afford to pay for more coverage, it’s generally a good idea to purchase a more comprehensive policy.
Here’s how much Jerry users pay for minimum liability car insurance in Kentucky:
Additional coverages you might want to consider when shopping for car insurance in Kentucky
Coverage to consider
High accident rate
Collision coverage protects your vehicle. It covers the cost of repairs for any damage that may be incurred as the result of an accident with another driver.
Comprehensive insurance covers damage to your car that is the result of severe weather, such as a tornado.
While minimum liability insurance is enough to hit the road in Kentucky, purchasing additional coverage to protect you against state-specific risks like high accident rates and tornadoes is usually a good idea.
Best carriers for minimum coverage car insurance in Kentucky
If you’re caught driving without insurance in Kentucky, you could face some serious penalties. Fines range from $500 to $2,500 plus reinstatement and court fees. You’ll also have your license and registration suspended for a certain period and you could face up to 180 days in prison.
Comparing rates with different insurers can help you find the most affordable coverage so that you don’t have to go without.
Here’s how much Jerry customers pay for minimum liability coverage with various carriers in Kentucky:
Best carriers for full coverage car insurance in Kentucky
Getting quotes from multiple insurers can help make sure that you get the most affordable rate for the coverage you need. Here’s how much Jerry customers pay for full coverage car insurance with various carriers in Kentucky:
Full coverage insurance may cost more upfront, but it offers greater financial protection and can save you a lot in the long run.
Cost to insure your car in Kentucky by age
Insurers value driving experience. The younger you are, the less experience you have—and this will likely be reflected in higher insurance premiums.
Kentucky is actually the deadliest state for teen drivers, according to data from the National Highway Traffic Safety Administration. The state has the highest average when it comes to annual fatalities per 10,000 licensed drivers ages 19 and younger at 3.47 per year.
It sounds shocking, but Kentucky teenagers are 140% more likely to die in a car crash than the average American teen.
This added risk is why insurers charge higher premiums to young drivers.
But if you’re a young driver, don’t despair. While you’re unlikely to enjoy the same low rates as your parents, you can still get cheap car insurance quotes by shopping around and maintaining a clean driving record.
No matter your age, quote shopping with Jerry is a good place to start. Here are the prices Jerry offers drivers by age:
Cost of insurance for drivers in Kentucky with a bad driving record
Drivers who have gotten into an accident, received a speeding ticket, or have been convicted of a DUI often pay higher car insurance rates.
While the accompanying points only remain on your driving record for two years, the violation itself stays put for five years. Insurers check this history when they quote or reassess your premiums and will consider you a high-risk driver.
The good news is that Jerry can help you find a competitive and cheap car insurance policy even if your driving record isn’t squeaky clean.
Just as car insurance rates vary by state, they can also vary by city and ZIP code. Drivers in cities tend to pay more than drivers in rural areas because urban centers have higher rates of accidents, thefts, and claims.
Kentucky has higher than average traffic fatalities, including among teen drivers, making insurance there more expensive than you might expect. The state also experiences some severe weather (namely tornadoes) that increase rares.
That said, rates vary within Kentucky depending on a number of local factors. Here are the top 10 cheapest cities for car insurance in Kentucky:
To get cheap car insurance, you may want to consider raising your deductible. When you file a claim, the deductible is the amount of money you have to pay out of pocket before your car insurance kicks in to cover the remaining balance. If you increase your deductible, this could lower your premium — but be aware that this means you’ll incur higher initial out-of-pocket costs in the event of an accident.
It’s also a good idea to update your car insurance to reflect any major life changes that have occurred since you received your last auto insurance quote. For example, if you’ve gotten married, you may be offered lower rates because married people are perceived to be safer drivers. Or if you’ve moved to a rural area, you may qualify for reduced rates because you’re less likely to get in an accident and file a claim.
It can be hard to keep track of your car insurance renewals while also juggling your own daily obligations. That’s why Jerry reassesses your premium every six months. At each renewal period, Jerry can help you make any relevant updates and ensure you get the lowest possible price for your coverage.
Get the lowest rate possible by choosing a vehicle with good safety ratings, driving safely, qualifying for discounts, and comparing rates with a smart tool like Jerry.
Want to find out if you’re overpaying? Let Jerry do the work for you.
Unless otherwise specified, these estimates are based on drivers older than 30 who have good driving records. These are real people who have signed up with Jerry in the last six months.