Car Insurance in Kentucky
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- How much does car insurance cost in Kentucky?
- Top auto insurance providers in Kentucky
- What car insurance do you need in Kentucky?
- How is your cost of car insurance determined in Kentucky?
- How to save money on car insurance in Kentucky
- Registering your car in Kentucky
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As a no-fault state, Kentucky residents pay more than the national average for car insurance—especially given the state’s high accident rate. That said, Kentucky drivers can find more affordable options by shopping with Jerry.
Kentucky ranks 10th in the nation for the highest car insurance prices. This is in part because of the high accident rates and higher-than-average DUIs. Additionally, Kentucky roads can be treacherous, especially through the mountains or during periods of harsh weather.
These location-specific factors contribute to your overall insurance prices, but companies also take your age, driving history, credit score, and other factors into account when setting your premiums.
To make sure you’re paying the best prices for car insurance, compare quotes with Jerry! Jerry is a car super app that will save you time and money. It takes seconds to sign up, and Jerry will send you quotes from over 50 top insurance providers. The best part? Most Jerry customers save $879 per year on car insurance.
Don’t just take our word for it. These are real quotes and savings from customers in Kentucky who switched with Jerry:
| Quote Date | Car | City | Age | Carrier | Before Jerry | After Jerry |
|---|---|---|---|---|---|---|
| July 7, 2021 | Suzuki Vitara Js | Scottsville | 29 | Bristol West | $110/mo. | $66/mo. |
| July 15, 2021 | Ford Escape Limited | Richmond | 32 | Progressive | $165/mo. | $78/mo. |
| April 25, 2021 | Jaguar XE Prestige | London | 56 | Progressive | $170/mo. | $98/mo. |
| August 31, 2021 | Chevrolet Monte Carlo Ss | Madisonville | 25 | Progressive | $180/mo. | $128/mo. |
| July 14, 2021 | Mercedes-Benz Ml 320 | Lexington | 22 | AAA | $242/mo. | $160/mo. |
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How much does car insurance cost in Kentucky?
The average cost of liability-only car insurance in Kentucky is $2,042 per year. If you prefer to buy full coverage car insurance in Kentucky, you can expect to pay an average cost of $2,670 per year.
How does the cost of car insurance in Kentucky compare to the rest of the country?
Compared to nationwide averages, it costs $1,764 per year for liability-only car insurance and $2,486 per year for full-coverage car insurance.
What contributes to car insurance rates in Kentucky? Here’s what you should think about:
- DUIs: Kentucky has some of the most DUIs per year in the country
- Auto theft: Kentucky has seen a rise in auto theft rates, contributing to higher insurance prices
- Cross-country interstates: As Kentucky is in the middle of the country, several interstates bring thousands of commuters across the state every day
Here’s how Kentucky insurance premiums stack up to nationwide averages:
All Coverage Before Jerry | All Coverage After Jerry | Minimum Coverage Before Jerry | Minimum Coverage After Jerry | Full Coverage Before Jerry | Full Coverage After Jerry | |
|---|---|---|---|---|---|---|
| KY | $2,581 | $1,721 | $2,234 | $1,369 | $4,144 | $2,952 |
| National Average | $2,491 | $1,672 | $2,359 | $1,390 | $2,763 | $1,962 |
| KY | National Average | |
All Coverage Before Jerry | $2,581 | $2,491 |
All Coverage After Jerry | $1,721 | $1,672 |
Minimum Coverage Before Jerry | $2,234 | $2,359 |
Minimum Coverage After Jerry | $1,369 | $1,390 |
Full Coverage Before Jerry | $4,144 | $2,763 |
Full Coverage After Jerry | $2,952 | $1,962 |
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Top auto insurance providers in Kentucky
Residents of Kentucky can choose from a variety of providers when searching for car insurance. Some common carriers include Geico, the Kentucky Farm Bureau, and State Farm.
These providers are known for their relatively affordable premiums and good customer service, but you may find another carrier that better meets your needs.
Providers set their own criteria when determining car insurance premiums, so you may receive drastically different quotes for the exact same coverage. Kentucky providers will consider things like your age, credit score, location, and more before setting your rates.
Your vehicle itself also impacts your car insurance premiums. If you drive a more affordable car, like a
Toyota RAV-4, your rates will generally be lower than a more expensive vehicle like a Chevrolet Suburban. In general, cars that will cost more to repair or replace, like the Suburban, will garner higher car insurance premiums to account for the risk.
Regardless of your demographics, Jerry will find you the best rates on car insurance. Here are some of the best prices we have found for our customers in Kentucky:
| Insurance Company | Average Cost | Annual Savings with Jerry | |
|---|---|---|---|
| Allstate | $3,331 | $1,333 | Compare Prices |
| Travelers | $3,655 | $1,206 | Compare Prices |
| Kemper | $3,722 | $1,129 | Compare Prices |
| Safeco | $3,543 | $1,126 | Compare Prices |
| Nationwide | $3,109 | $853 | Compare Prices |
| State Auto | $2,841 | $493 | Compare Prices |
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What car insurance do you need in Kentucky?
Kansas drivers are required to carry minimum liability insurance before getting behind the wheel. This coverage includes the following:
| Coverage | Amount | Description |
|---|---|---|
| Bodily injury liability | $25,000 per person / $50,000 per accident | Covers the costs associated with injuries you cause to others |
| Property damage liability | $25,000 per accident | Covers the costs associated with the damage you cause to other people’s vehicles or property |
Additionally, Kentucky is a no-fault state, which requires drivers to carry personal injury protection. This coverage will pay for costs associated with an injury for you and your passengers if you are in an accident—regardless of who is at fault.
You will face penalties for driving without insurance. In Kentucky, these include:
- Fines of up to $1,000 for a first offense
- Up to 90 days in jail
- Vehicle registration of 1 year or until proof of insurance is submitted
- $40 reinstatement fee
These above limits are just the minimum required in Kentucky. To make sure you’re completely protected, it’s suggested that you carry more than liability insurance. Kentucky drivers should consider the following policies:
| Coverage | Description |
|---|---|
| Collision insurance | Covers damages that are the result of a collision with a vehicle or stationary object |
| Comprehensive insurance | Covers damages that aren’t the result of a collision, such as vandalism, theft, or a natural disaster |
| Roadside assistance | Covers the costs associated with a breakdown |
Jerry will help you find the best prices on any type of coverage.
To find you the best price, Jerry compares quotes from the top insurance companies. Find a policy that works for you, and Jerry takes care of all of the rest—including helping to cancel your old coverage. The best part? Jerry saves users $879 per year on average!
Now that we’ve gone over the basics, here’s what to consider about insurance in Kentucky.
How is your cost of car insurance determined in Kentucky?
Car insurance carriers in Kentucky will consider things like your age, driving record, location, and more when setting your premiums.
What young drivers in Kentucky need to know
- Kentucky insurance providers consider drivers under 25 to be high-risk drivers because of their lack of experience and a higher likelihood of accidents
- Taking a defensive driving course can help Kentucky drivers lower their monthly premiums
- By keeping good grades, young drivers could be eligible for a good student discount
To further reduce insurance costs, young drivers should shop around for quotes and maintain a clean driving record.
Young drivers can shop with Jerry to find the best rates for car insurance. These are the average rates for drivers in Kentucky by age:
| Age Group | Average Cost | Annual Savings with Jerry |
|---|---|---|
| 18-20 | $2,858 | $850 |
| 21-24 | $2,738 | $972 |
| 25-34 | $2,505 | $916 |
| 35-44 | $2,599 | $935 |
| 45-54 | $2,508 | $856 |
| 55-64 | $2,178 | $819 |
| 65+ | $2,193 | $625 |
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Cost to insure your car in Kentucky with a poor driving record
Your driving history will also factor into your insurance rates. If you’ve been in an accident, gotten a speeding ticket, or had a DUI or other major driving offense, you will pay more for your Kentucky car insurance rates.
If you have previous infractions, you will be considered a high-risk driver by insurance companies.
The good news is Jerry works with drivers with previous driving infractions to find the best rates for the coverage they need.
Here are the best rates motorists with less-than-perfect driving records have gotten after shopping with Jerry:
| Driving Violation | Average Cost | Annual Savings with Jerry |
|---|---|---|
| Clean Record | $2,988 | $985 |
| Wrong Way/Wrong Lane | $6,996 | $2,580 |
| Vehicle Theft | $3,672 | $2,156 |
| Leaving scene of an Accident/Hit and Run | $4,360 | $1,877 |
| DUI | $3,679 | $1,651 |
| Failure to Obey Traffic Sign | $2,891 | $1,115 |
| Suspension | $2,640 | $1,083 |
| Speeding under 15 | $3,143 | $1,046 |
| Speeding over 15 | $4,611 | $1,020 |
| Careless Driving | $3,420 | $994 |
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Cost to insure your car in Kentucky based on where you live
Kentucky’s insurance rates on a whole are higher than the national average, but your specific premiums will depend on where you live.
For example, residents of busy cities like Louisville and Fort Cambpell will pay some of the highest premiums in the state. On the other hand, residents of less populated areas, like Lexington will pay less overall for car insurance.
No matter where you live, Jerry can find you the most affordable car insurance prices. Here are some of the best rates we’ve found for Kentucky residents by city:
| City | Average Cost | Annual Savings with Jerry |
|---|---|---|
| Bardstown | $2,966 | $739 |
| Bowling Green | $2,627 | $962 |
| Florence | $2,616 | $1,139 |
| Frankfort | $2,683 | $901 |
| Lexington | $2,512 | $875 |
| Louisville | $2,936 | $978 |
| Owensboro | $2,548 | $970 |
| Paducah | $2,563 | $960 |
| Richmond | $2,399 | $866 |
| Somerset | $2,162 | $592 |
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Cost to insure your car in Kentucky based on the type of car you drive
Insurance companies also will set rates based on the car you drive. As a general rule, you can expect more expensive cars to cost more to insure.
Motorists in Kentucky who drive a Nissan Altima can expect relatively low car insurance premiums because of the sedan’s lower initial cost, less expensive replacement parts, and generally low cost of repairs.
Conversely, drivers who are behind the wheel of a luxury vehicle, like a Genesis G80, will have higher premiums because it will cost insurance companies more if they have to pay out the cost of the vehicle after a crash.
These are standard insurance quotes for some of the most common cars in Kentucky with and without Jerry:
| Car | Average Cost | Annual Savings with Jerry |
|---|---|---|
| Ford Focus SE | $2,249 | $1,051 |
| Chrysler Town & Country Touring | $2,245 | $860 |
| Chevrolet Malibu LS | $2,803 | $726 |
| Pontiac G6 Gtp | $3,154 | $707 |
| Nissan Altima SR | $2,136 | $556 |
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How to save money on car insurance in Kentucky
Kentucky has higher-than-average car insurance premiums, but that doesn’t mean there aren’t ways to save.
Shop around for quotes
One of the easiest ways to save money on car insurance is shopping around for quotes.
However, comparison shopping can cost you a lot of time and energy—especially if you have to do all the research on your own. The good news is Jerry is here to help!
Jerry is the super app that helps you save time and money on your car expenses, including insurance. Sign-up is easy, and Jerry will find you quotes from over 50 top insurance providers. Once you find a policy that meets your needs, Jerry will help take care of all of the changeovers—including helping to cancel your old policy. The best part? The average Jerry user saves $879 on car insurance.
Jerry keeps looking for the best rates even after you made your purchase, sending you new quotes each time your policy is up for renewal.
Look for discounts
Discounts are another great way to save money on car insurance. Most carriers provide discounts, but they may not be advertised on providers’ websites. It’s a good idea to ask your insurance agent about what may be available for you.
Here are some popular discounts in Kentucky:
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Kentucky providers may even have discounts for things like homeownership, marital status, and affiliation with certain organizations.
Increase your deductible
Another way to save money is by increasing your deductible, which is the amount you pay before insurance kicks in if you have to make a claim.
Keep in mind, however, you will be on the hook for more money in the event of a claim, so it may not be worth the monthly savings. Be sure you can pay the full deductible each time you would have to make a claim before choosing this option.
Registering your car in Kentucky
To register your car in Kentucky, you need the following:
- A driver’s license or ID card
- A car title or signed lease agreement
- Vehicle inspection certificate
- Bill of sale
- Payment and fees
You should make an appointment before going to the DMV to avoid long wait times. You may have to file more paperwork, including personal and vehicle information, when you go to register.
Kentucky drivers are required to renew their vehicle registration every year.
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