Car Insurance in Kentucky

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Table of Contents
  • How Much is Car Insurance in Kentucky?
  • Real Quotes for Jerry.ai Customers in Kentucky
  • The Cheapest Car Insurance in Kentucky
  • Most Popular Insurance Companies in Kentucky
  • Cost to Insure Different Cars in Kentucky
  • Car Insurance Laws in Kentucky
  • Car Registration Information in Kentucky

Looking for car insurance in Kentucky? Here you’ll find all the information you need on driving a car in The Bluegrass State, regardless of what kind of car you own, what your budget is, or what kind of driver you are. Whether you live in Bowling Green or Owensboro, Covington or Richmond — you can read on for the cheapest car insurance, the best car insurance, and the laws you need to know for Kentucky car insurance.

How Much is Car Insurance in Kentucky?

Why do car insurance quotes differ by state? First of all, each state has different laws around what kind of coverage you need to legally drive. Insurance companies also look at the number of car accidents and thefts in an area, how much people are generally using their car, and how likely an area is to have a natural disaster, among other factors. But while you can’t always control where you live, you can get cheap car insurance by choosing an insurance policy that has the best rates for your needs. If you live in Kentucky, here’s what you should know about how much you’ll pay for insurance: On average, drivers in Kentucky pay $2,983.34 each year for car insurance. This means drivers in Kentucky pay 2% below the average for the rest of the country. But however much you pay, you can use our advice on this page to save money.

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What’s Your Rate?

But how do you know what policy is right for you in Kentucky? The truth is that insurance companies take many different factors into account when coming up with your quote. They create a profile based not only on where you live in Kentucky, but also on your credit score, marital status, the kind of car you own, and much more.

Not only does your profile change what kind of price you’ll get on car insurance, but it also might change the kind of coverage you want! Not all tiers are the same, and it’s important to know what you’re looking for. You could save money on your monthly or yearly insurance premiums by having a higher deductible. But if you do get into an accident or need to file a claim, that choice will cause you to pay more out of pocket.

The best way to make sure you’re always getting the best coverage for the right price is to let us do all the legwork for you. We can compare quotes from over 40 different insurance companies and find you the best rates in 45 seconds — no matter what kind of coverage you’re looking for.

Real Quotes for Jerry.ai Customers in Kentucky

CreatedCarsCustomerCarrierMonthly premiumAmount savedType of coverage
2021-02-06
  • Dodge Journey Crossroad
23 year old maleProgressive$146.27$119.73Basic
2020-11-28
  • Chevrolet Impala
  • Chevrolet Equinox Ls
  • Ford Explorer Sport Trac
66 year old femaleNationwide$253.43$151.57Basic
2020-11-26
  • Honda Civic Hybrid
47 year old femaleProgressive$60.23$14.77Basic
2021-02-14
  • Chevrolet Suburban C1500
  • Nissan Altima 2.5s
28 year old maleTravelers$314.99$38.01Preferred
2021-01-16
  • Ford Fiesta Se
  • Honda Odyssey Ex
  • Nissan Sentra 1.8
  • Ford Econoline E350 Super Duty Wagon
51 year old maleProgressive$316.20$117.13Preferred

The Cheapest Car Insurance in Kentucky

Which companies offer cheap car insurance in Kentucky? Below, we’ve ranked Kentucky car insurance companies based on which ones have, on average, the cheapest car insurance quotes for basic, standard, and preferred coverage levels for different profiles. These are averages to give you a sense of what drivers in your state are paying. But remember — it’s impossible to know what your quotes will be until you start comparing for yourself. That’s why we’re also showing you some real quotes we were able to find for our members recently. If you shop for insurance wisely, you can get a great deal without sacrificing your own safety and protection.

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Cheapest Car Insurance in Kentucky for Basic Coverage

There’s all kinds of auto insurance you can get in Kentucky, depending on what your priorities are. But if your priority is the least expensive premium payments, you’ll want to check out a basic plan. In most states you legally need car insurance to drive. Basic plans ensure that you have the minimum coverage required by Kentucky. These are also plans with liability-only coverage. We were able to look at the average price drivers are paying for basic insurance coverage in Kentucky, as well as real quotes from actual Jerry.ai customers. You can customize these charts to find rates depending on your driving record, your age, how many cars you drive, you gender, and whether or not you’re a homeowner — all huge factors real insurance companies use in determining rates.

Average Cheapest Car Insurance for Basic Coverage in Kentucky

Filters
RankCompany nameAvg. Annual Premium
1Progressive$1,059.85
2Travelers$1,120.81
3Safeco$1,122.32
4Bristol West$1,373.68
5Nationwide$1,499.46
6Safe Auto$1,764.22

Real Jerry Quotes for Basic Coverage in Kentucky

Filters
CreatedCarsCustomerCarrierMonthly premiumAmount saved
2020-12-09
  • Jeep Compass Latitude
26 year old maleProgressive$59.33$90.67
2020-12-10
  • Toyota Rav4 Hv Le
  • Chevrolet Gmt-400 C1500
  • Jeep Liberty Sport
21 year old maleProgressive$144.84$355.16
2021-02-13
  • Ford Fusion Se
37 year old femaleProgressive$72.58$296.42
2020-11-26
  • Hyundai Sonata Hybrid
54 year old femaleProgressive$109.70$160.30
2021-01-14
  • Dodge Nitro Sxt
27 year old femaleProgressive$53.95$101.93

Average Cheapest Car Insurance for Standard Plans in Kentucky

Most drivers will want more than the basic minimum coverage that Kentucky requires — but still don’t want to break the bank. Standard plans offer both collision insurance and comprehensive insurance which gives you more protection than a basic plan. These plans generally offer a $1,000 deductible.

Below you’ll find the average price drivers are paying for standard insurance coverage in Kentucky, as well as real quotes from actual Jerry.ai customers. You can customize these charts to find rates depending on your driving record, your age, how many cars you drive, you gender, and whether or not you’re a homeowner. All of these factors can impact premiums, so be sure to take a look at averages and quotes from drivers similar to you!

Average Cheapest Car Insurance for Standard Coverage in Kentucky

Filters
RankCompany nameAvg. Annual Premium
1Kemper$1,682.93
2Progressive$1,711.30
3Safeco$1,859.32
4Travelers$1,889.76
5Nationwide$1,953.94
6State Auto$2,282.64
7Bristol West$2,303.19

Real Jerry Quotes for Standard Coverage in Kentucky

Filters
CreatedCarsCustomerCarrierMonthly premiumAmount saved
2020-12-26
  • Hyundai Tucson Gls
  • Hyundai Accent Se
51 year old femaleTravelers$209.01$157.99
2021-01-13
  • Chevrolet Impala Limited Ltz
36 year old maleTravelers$138.11$81.89
2020-12-08
  • Chevrolet Gmt-400 K1500
27 year old maleSafeco$68.77$125.23
2021-01-06
  • Nissan Kicks Sv
  • Honda Civic Ex
34 year old maleProgressive$120.08$129.92
2020-11-23
  • Ford Mustang Gt
23 year old maleProgressive$69.30$20.70

Cheapest Car Insurance in Kentucky for Preferred Coverage

Preferred coverage protects Kentucky drivers the most against any accidents or theft. Like basic plans, you’ll have collision insurance and comprehensive insurance. This is higher end full coverage, generally with $500 deductibles. That means you’ll be paying less out of pocket in the event of a claim. The downside? Your premiums are likely to be higher than what drivers with standard plans are paying. But if you comparison shop, you can still find the preferred insurance policy that’s less expensive.

We were able to look at the average price drivers are paying for preferred insurance coverage in Kentucky, as well as real quotes from actual Jerry.ai customers. You can customize these charts to find rates depending on your age, your driving record, whether you’re over or under 25 year old, the number of cars your drive, you gender, and if you own a home — all huge factors real insurance companies use in determining rates.

Average Cheapest Car Insurance for Preferred Coverage in Kentucky

Filters
RankCompany nameAvg. Annual Premium
1Bristol West$1,723.22
2Kemper$1,782.51
3Progressive$1,928
4Travelers$2,064.38
5Safeco$2,165.87
6State Auto$2,398.34
7Nationwide$2,506.36

Real Jerry Quotes for Preferred Coverage in Kentucky

Filters
CreatedCarsCustomerCarrierMonthly premiumAmount saved
2021-01-25
  • Honda Civic Ex
19 year old maleProgressive$178.32$22.10
2020-12-08
  • Volkswagen Beetle Turbo
  • Infiniti QX60
  • Subaru Forester
56 year old femaleState Auto$347.05$202.95
2020-12-20
  • Pontiac G6 Se
30 year old femaleSafeco$222.78$462.22
2020-12-03
  • Chevrolet Impala Police
20 year old maleTravelers$454.76$59.24
2020-12-25
  • Jeep Wrangler Unlimited Sport
24 year old femaleProgressive$111.67$88.33
Insurance companyAverage annual premium in Kentucky
Progressive$1,759.85
Bristol West$1,845.09
Safeco$2,346.63
Nationwide$1,876.90
Kemper$2,692.38
Travelers$3,294.53
State Auto$2,355.78

Cost to Insure Different Cars in Kentucky

Auto insurance companies look into several different factors when coming up with their rates. A big one is what state you’re in — which is why it’s so important for Kentucky drivers to compare their rates to people in the same state. The car you drive can be a big factor as well. No matter what town, city, or country you live in, certain cars are just going to cost you more in coverage than others. Check out our chart to find out how much different cars cost to insure in Kentucky. And you can use our table of real quotes from Jerry.ai customers to see what people just like you are paying.

Filters
CreatedCarsCustomerCarrierMonthly premiumAmount savedType of coverage
2021-01-21
  • Tesla Model Y
32 year old maleNationwide$334.63$15.37Preferred
2020-12-13
  • Chevrolet Silverado K1500 Classic Crew Cab
20 year old maleProgressive$174.75$35.25Standard
2021-02-21
  • Dodge Journey Sxt
33 year old femaleProgressive$189.01$32.99Preferred
2020-11-29
  • Nissan Rogue Select
41 year old femaleTravelers$92.36$48.64Standard
2021-02-03
  • Jeep Grand Cherokee Laredo
76 year old maleSafeco$79.75$81.25Preferred
2020-12-24
  • Chevrolet Spark Ls
24 year old maleProgressive$204.88$125.12Preferred
2021-02-02
  • Chevrolet Lumina Base
31 year old maleProgressive$62.61$87.39Standard

Car Insurance Laws in Kentucky

Kentucky, also known as the Bluegrass State, has more than 150,000 car accidents every year. That alone means it’s extremely important to have car insurance in Kentucky. Plus, state laws require drivers in Kentucky to carry a certain minimum amount of liability insurance. If you live in Kentucky and drive a car, then you must have these minimum coverage amounts or face legal penalties and fines.

Ultimately, the goal of such laws is to protect drivers and make sure that if they are injured or their car is damaged, they have some type of monetary protection, especially in accidents that are not their fault. Here’s what you need to know about Kentucky auto insurance laws and the penalties for failing to have the required coverage.

What Car Insurance Is Required in Kentucky?

One of the biggest requirements for owning and operating a motor vehicle in Kentucky is that you carry a minimum amount of liability insurance. As a no fault state, Kentucky requires you to have Bodily Injury Liability (BIL) and Property Damage Liability (PDL) at the very least. You can also purchase the optional Personal Injury Protection (PIP) to help cover your medical bills, but it’s not required.

This gives Kentucky the unusual distinction of being both an at-fault and a no-fault state at the same time. Kentucky is a no-fault state when it comes to PIP coverage, but it’s otherwise an at-fault state in all other regards. PIP covers everything from medical expenses and lost wages to other out-of-pockets costs related to an accident that you, as the policyholder, are in, whether you are at fault or not. As stated, you can opt out of this coverage, but you must do so in writing.

The at-fault side of Kentucky insurance laws includes the various liability coverages that drivers are required to get. This includes BIL, which pays for the medical bills, lost wages, and other expenses associated with an injury of the other party in an accident that you caused.

PDL covers any property damage caused by your vehicle in an accident that you are at-fault for. This includes the other party’s vehicle, as well as any objects or structures that you hit, such as a sign, pole, or building.

Another type of auto insurance coverage that you can get is uninsured motorist coverage. This coverage pays for your medical bills and property damage if the at-fault driver is not insured. An additional coverage type is underinsured motorist coverage, which pays for your medical bills and property damage if the at-fault driver does not have enough liability insurance.

Can You Drive a Car Without Insurance in Kentucky?

If you register a vehicle in Kentucky, you must insure it with the minimum coverage amounts according to state law. You must show proof of insurance if pulled over or if you are in an accident. The monitoring arm of the Kentucky Transportation Cabinet also keeps track of registered vehicles to see if the insurance on them has lapsed. Failure to keep insurance on a registered vehicle will result in various fines and penalties.

For a first offense, you will have to pay a fine ranging from $500 to $1,000, spend up to 90 days in jail, and have your registration suspended for one year, or until you show proof of insurance. For a second and subsequent offense, you will have to pay a fine ranging from $1,000 to $2,500 and spend up to 180 days in jail. Plus, you will have your driver’s license and registration suspended for one year on the second offense and two years for each successive offense. If your license is suspended for more than one year, you will also have to retake your driving exam to get it reinstated.

Unlike other states, Kentucky does not require you to get an SR-22 certificate if you are caught driving without insurance. As long as you pay all of your fines, including a $40 reinstatement fee and any court costs, you can get your license back after appearing in court and showing proof of insurance following your suspension.

What Are the Minimum Car Insurance Requirements in Kentucky?

To help cover the costs associated with a car accident, the state of Kentucky requires drivers to purchase a minimum amount of liability insurance. This insurance is designed to pay for any medical bills and property damage for a wreck that the driver causes.

Minimum Insurance Requirements in Kentucky

  • Bodily injury/per person/per accident: $25,000
  • Bodily injury/per accident: $50,000
  • Property damage liability: $10,000
  • Personal injury protection: $10,000 (optional)

Car Registration Information in Kentucky

In addition to having the required amount of liability insurance, if you drive in Kentucky, you must also register your vehicle. As a current resident of Kentucky, you must get a vehicle you buy registered upon buying it. If you are a new resident in Kentucky, you have 15 days to register your vehicle after moving there.

After registering your vehicle in Kentucky, you will receive a license plate to go on the rear. The license plate also has a place in the bottom right for a decal, which lists the month and year when you next have to renew your registration.

To register your vehicle for the first time, you must visit your local County Clerk’s office. You can renew your vehicle registration in Kentucky in-person, online, or by mail.

The initial registration fee to register your vehicle in Kentucky is $21. You will also have to pay a $9 fee to get a title on your vehicle for the first time. Each year you will have to pay an additional $21 to renew your registration and will receive a new decal to affix to your license plate, with the month and year when you next need to renew your registration.

In order to register your vehicle in Kentucky, you need the following documentation.

  • Kentucky driver’s license
  • Vehicle registration (has the Vehicle Identification Number, also known as the VIN number)
  • Proof of car insurance
  • Sheriff’s Inspection form (if bringing the vehicle in from another state)
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