Cheap Car Insurance In Kentucky For 2024

To find cheap car insurance in Kentucky, CheapInsurance.com has put together general information, price comparisons, and expert tips.

Kentucky is known as the horse capital of the world because the state’s many grassy farms are considered to be the best place to breed and raise horses.

Ninety-five percent of the world’s bourbon is produced in Kentucky and this is in large part due to the quality of its water.

Kentucky boasts an ideal climate and fertile soil for corn cultivation. Additionally, the state’s water flows through limestone reserves, creating perfect conditions for bourbon production.

The state of Kentucky requires that all motorists be insured.

Therefore, if you lack Kentucky vehicle insurance, you’ll face potential registration suspension. This suspension will occur unless you provide proof of insurance. Insurance is regulated in Kentucky by the Kentucky Department of Insurance.

Bluegrass State Journeys: Kentucky Updates & Insights On Cheap Car Insurance for 2024

Saddle up and explore Kentucky’s rolling hills and charming towns with these key updates for 2024:

Kentucky Vehicle Code Changes:

• Texting while driving ban expands: Effective October 1st, sending or receiving text messages while driving becomes illegal, even with a hands-free device. (Source: Kentucky House Bill 360)
• Increased motorcycle lane splitting clarification: While not explicitly legal, filtering (moving between lanes in slow traffic) is allowed if done safely and not exceeding 10 mph faster than surrounding traffic. (Source: Kentucky State Police)
• Electric vehicle (EV) tax incentives: Existing tax credits and rebates for EV purchases continue. Stay updated through the Kentucky Energy and Environment Cabinet. (Source: Kentucky Energy and Environment Cabinet)

Remember: These are just highlights, and other changes may apply. Visit the Drive Kentucky website for complete information.

Auto Insurance Quotes in Kentucky (2024) For Example:

(Sources: The Zebra, ValuePenguin)

Furthermore, car insurance quotes in Kentucky vary considerably based on individual factors. These factors include driving history, location, vehicle type, and desired coverage.

We have found in this case, the cost of minimum liability car insurance in Kentucky is $292.18 per month on average.

Notwithstanding, these rates will depend on an individual’s:

• Driving history.
• Credit history.
• Marital status.
• Age.
• Gender.
• Vehicle type.
• Insurance provider.
• Location within the state.
• Coverage type.
• Set deductible.

To help you find the best inexpensive car insurance quotes in Kentucky, we’ve compared car insurance quotes from car insurers in these Kentucky counties:

• Jefferson County.
• Fayette County.
• Kenton County.
• Boone County.
• Warren County.

The cost of car insurance coverage is dependent on your individual driving profile, so we’ve gone a step further and compared in detail, car insurance quotes for:

• Good drivers (those with a clean driving record).
• Bad drivers (those with a history of traffic violations).
• Young drivers (those aged between 16 and 25).

Minimum Liability Auto Insurance in Kentucky

Minimum liability car insurance, also known as state minimum car insurance, is an insurance policy that provides financial protection for a driver who harms someone else or their property while operating a vehicle.

Liability insurance only covers injuries or damages to third parties and their property. The driver’s injuries or property damages can be separately covered by other parts of their policy.

State minimum auto insurance is the least amount of car insurance coverage you must pay to cover any damages you may cause, and it includes:

• Bodily injury liability coverage which covers other people’s physical damages in an accident.
• Property damage liability coverage which covers damages to the other driver’s property.

Consequently, failing to carry the minimum required liability insurance can result in costly fines. Additionally, you may be held personally liable if you cause an accident.

Low coverage limits could end up costing you more in the long run if you are the cause of an accident.

Drivers must meet Kentucky’s minimum car insurance requirements in order to legally operate their vehicles. Kentucky minimum auto insurance requirements are 25/50/25, which includes:

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

Drivers in Kentucky who settle for minimum coverage insurance likely pay the lowest car insurance.

However, most insurance companies recommend that drivers purchase more coverage than  the minimum requirement.

Car accidents can be expensive and the state minimum coverage might not cover a driver’s full financial responsibility in the event of an accident.

Drivers in Kentucky are also required to carry PIP (personal injury protection) coverage, which pays out for medical expenses regardless of who caused the accident.

You can purchase higher levels of coverage, but the minimum level of personal injury protection pays for:

• Up to $10,000 of medical expenses per person in an accident.
• 85% of lost wages due to the injury (with a maximum of $200 per week).

We have found that on average, the cost of a minimum liability car insurance policy in Kentucky is $292.18 per month.

Safe Auto offers affordable auto insurance quotes for minimum liability coverage, which costs on average $139.00 per month.

Find Cheap Comprehensive Auto Insurance in Kentucky

Comprehensive car insurance coverage also referred to as full coverage car insurance, is optional coverage.

It protects against damage to your vehicle caused by non collision events that are outside of your control.

Examples of damages to your car that are covered by a comprehensive insurance policy include:

• Theft of the car or of car parts.
• Vandalism.
• Glass and windshield damage.
• Accidents with animals.
• Fire, floods, tornadoes, hailstorms, and hurricanes.
• Falling objects.
• Other acts of nature.

Full coverage auto insurance covers the maximum amount based on the actual cash value of your vehicle, minus the deductible you have selected.

Collision coverage provides compensation for vehicle repairs after an accident. In contrast, comprehensive insurance typically protects your parked vehicle.

We found cheaper insurance quotes in Kentucky for full coverage car insurance is offered by Grange at an average cost per month of $165.33.

Affordable Auto Insurance Quotes in Kentucky for Drivers with Clean Driving Records

The best way to prevent an increase in your annual premium is to maintain a clean driving record free of traffic violations and accidents.

Insurance companies regard drivers with a clean record as reliable and usually offer them more affordable auto insurance quotes.

Drivers with a clean driving record are in a good position to find cheap auto insurance. Car insurance companies consider good drivers to be people who:

• Not been the cause of any car accidents.
• No traffic offenses.
• Good credit score.
• Having no speeding tickets.
• Reckless driving charges not on their record.
• Have no DUI convictions.

Many car insurance companies offer a good driver discount on your car insurance rates, saving you even more money.

Some car insurance companies will offer an additional discount if you have completed an accredited defensive driving course. 

We’ve looked at the average auto insurance quotes offered by auto insurance providers in Kentucky for good drivers. The two cheap insurance quotes for good drivers are:

• Grange with average rates of $155.67 per month.
• CSAA with average rates of $297.33 per month.

Inexpensive Car Insurance Quotes in Kentucky for High-Risk Drivers

Drivers with traffic violations, such as an at-fault accident, speeding ticket, or DUI, often face higher insurance rates. This is because insurance companies perceive them as higher-risk drivers.

Insurance companies consider drivers with prior traffic violations to be higher risk. This is compared to those with a clean driving record.

Insurance companies believe high-risk drivers are more likely to make future claims against their auto insurance policy.

Some of the offenses that may lead to someone being considered a high-risk driver include:

• Reckless driving.
• Being found at-fault in a major accident.
• Having too many points on your driving record.
• Driving without meeting the minimum liability coverage requirements.
• Unpaid car insurance premiums.
• A poor credit score.

The cheapest vehicle insurance quote in Kentucky for high-risk drivers is Grange with average rates of $341.33 per month.

Cheapest Automobile Insurance in Kentucky for Young Drivers

Since young drivers have less experience behind the wheel, insurers tend to charge them higher rates compared to more mature drivers.

While a minimum coverage car insurance policy is less expensive upfront, it can be more costly in the long run. For example, a teen involved in a serious accident might have to pay for repairs entirely out of pocket.

Good student and driver safety course discounts can help young drivers reduce their rates, as can staying on a parent’s policy for as long as possible.

We’ve compared the inexpensive car insurance quotes for young drivers to help you save on auto insurance costs.

Cheap car insurance for young drivers is Safe Auto with an average rate of $119.00 per month.

Tips for Finding Affordable Car Insurance Quotes

All things considered, take note of lender requirements

If your car is financed or leased, the lender is likely to require that you have liability insurance, comprehensive coverage, and collision insurance.

Full coverage auto insurance protects the lender if you’re in a car accident or your car is stolen, to pay of the loan.

Compare inexpensive insurance quotes from different auto insurance providers

Even if you think you’ve found a good deal on car insurance, it’s always a good idea to shop around for a lower car insurance quote.

The only way to be completely certain that you’re getting the best quotes for car insurance is to compare prices from multiple insurers.

You can do this yourself, but it is time-consuming. You’ll need to phone each auto insurance company or fill out an online form for them to give you an affordable vehicle insurance quote.

Best Cheap Vehicle Insurance Quotes in Kentucky

Bristol West

Founded in 1973, Bristol West’s national footprint makes it one of the top ten biggest insurance companies in the U.S.

Bristol West was originally created to provide high-risk drivers with affordable insurance policies and has since expanded its services to all types of drivers.

Some of the benefits offered by Bristol West for example:

• Multiple policy bundling discounts.
• Personalized car insurance policies.
• Rideshare coverage.
• Medical payments.
• Gap coverage.
• Towing and roadside assistance.
• Rental car reimbursement.

The General

The General is an auto insurance provider that operates in multiple states across the U.S.

• The company was founded in 1963 and specializes in car insurance coverage for high-risk drivers.
• General Automobile is a subsidiary of PGC Holdings Corporation (PGC), which is an affiliate of American Family Insurance.
• PGC has been writing automobile insurance in many states throughout the country for nearly 60 years. It is a leader in the low-cost auto insurance field and has a Better Business Bureau (BBB) Rating of A+.

Automobile Insurance in Kentucky FAQs

Is car insurance mandatory in Kentucky?

Yes, auto insurance coverage is mandatory in Kentucky. Kentucky auto insurance requirements are 25/50/25, which includes:

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

What happens if you drive without auto insurance in Kentucky?

According to the law in Kentucky, a car owner who fails to maintain minimum liability insurance on his vehicle will have his vehicle registration revoked.

In addition, the vehicle owner, as well as the vehicle driver, are subject to a fine of between $500.00 and $1,000.00, up to 90 days in jail, or both.

Is Kentucky an at-fault or a no-fault insurance state?

Kentucky is a no-fault insurance state. What this means is that if there is an accident, drivers in Kentucky have to file a claim with their insurance company to get compensation for medical bills and other financial losses, regardless of who caused the accident.

What is the average cost of car insurance in Kentucky?

On average, Kentucky drivers pay $292.18 per month for minimum liability auto insurance.

Rates vary on a driver-by-driver basis, depending on driving history, credit history, personal information, decisions on bundling homeowner or renters insurance, vehicle type, and more.

Should you get the cheapest car insurance in Kentucky?

When it comes to insuring your car, the cheapest car insurance option is not necessarily the best.

The cost of your insurance can be lowered by purchasing less coverage, but the protection you get decreases by comparison.

Additionally, Kentucky’s minimum coverage auto insurance policy does not cover on-road or off-road damages to your own vehicle.

How much is car insurance in my city in Kentucky? 

Where you live affects your car insurance quote.

Drivers who live in more populated areas are regarded as being more at risk of being involved in an accident than those who live in quieter, rural areas.

Shopping around for cheap car insurance quotes is a smart way to identify savings before purchasing or renewing an auto policy.

Do Automobile insurance quotes vary by county in Kentucky?

Yes, auto insurance quotes change depending on the location of the policyholder’s city or county.

Factors such as population density, crime rates, weather, and climate determine risk levels that impact insurance rates.

What Kentucky car insurance coverage is right for you?

Depending on your budget and situation, you might want to consider increased coverage for more protection. We can assist in customizing Kentucky car insurance to get the coverage that fits you.

How Do I Find Cheap Insurance Quotes in Kentucky?

It’s essential to shop around to identify cheap insurance options. The higher priced auto insurance providers may not cater to your particular situation.