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As the birthplace of Kentucky Fried Chicken, Abraham Lincoln, and JIF peanut butter, Kentucky is a great place to call home. Unfortunately, driving in the state can cost you a pretty penny because the average cost of car insurance in Kentucky is higher than the national average. 

Luckily, it’s still possible to find cheap car insurance if you know where to look. Cheap Insurance is a licensed insurance broker that helps you stop overpaying for coverage you don’t need.

Quick Kentucky Car Insurance Facts

There are plenty of things that make Kentucky different from other states. These facts below are all about insurance and driving in Kentucky: 

  • Car insurance is more expensive in Kentucky than in many other states. 
  • Louisville is one of the most expensive cities in Kentucky for car insurance.
  • Kentucky allows out-of-state students and military members to maintain their home state’s car registration with proof of enrollment or enlistment.
  • There are five major interstate highways having speed limits of 65 and 70 MPH.
Kentucky-cheap-car-insurance

Minimum Kentucky Car Insurance Coverage

It’s important to have car insurance when driving to ensure that you’re protected in case of an accident. Even if you are a safe driver, many other drivers aren’t. You never know what could happen. Each state can require a certain amount of car insurance coverage before you can drive on the road. 

Kentucky law requires these minimum coverages to drive legally: 

  • Mandatory minimum bodily injury coverage per individual of $25,000.
  • Mandatory minimum bodily injury coverage per accident of $50,000.
  • Mandatory minimum property damage coverage per accident of $25,000.

 

Paying for the mandatory minimum insurance coverage is absolutely necessary if you want to drive in Kentucky. However, you don’t have to stop there. These minimums are actually quite low, and you may feel that you want more based on your situation. Talk to a trusted car insurance provider to decide what’s right for you.

Getting Cheap Car Insurance In Kentucky

You’re looking for the best possible price on cheap car insurance. We definitely know a thing or two about saving on your premiums, so allow us to give you some advice. These are our recommendations for finding cheap insurance: 

  1. Start with the minimum: The cheapest possible car insurance coverage will also be the lowest possible coverage. If you know exactly what the state of Kentucky requires, you’ll be able to get quotes for that amount. Of course, you can always add more coverage as needed. 
  2. Compare Rates: The more you shop, the more options you have. Different companies have different rates, so don’t take the first offer you’re given. Ask for quotes and see what discounts the car insurance provider would be willing to give you.
  3. Stop Speeding: If you aren’t a NASCAR driver, you shouldn’t be driving like one. Speeding tickets can raise your premium. Your premiums can also be affected by DUIs, accidents, and claims. Drive defensively to pay less for insurance.

Kentucky Car Insurance Discounts

There are actually a lot of discounts for Kentucky drivers, especially drivers who are responsible and safe. Ask your car insurance provider for which discounts you may be eligible for. 

Good Driver: No history of accidents, DUIs, speeding tickets, or insurance claims in the past few years? You may be able to get a reduction of 10–30% on your insurance. 

Good Student: It pays to study. Young drivers with at least a “B” average GPA may be able to get 5–20% off. 

Safety Features: Your insurer may offer you a 2–30% discount to have safety features installed in your vehicle. 

Continuously Insured: It pays to drive legally. In Kentucky, drivers who have been insured for at least six continuous months may be able to get 5–25% off premium prices.

FAQ

What is the average car insurance cost in Kentucky?

The average minimum liability policy is $1,549 per year. The average full coverage policy is $2,906 per year.

How much is car insurance per month in Kentucky?

The average minimum liability policy costs $129 per month. The average full coverage policy comes to $242 per month.

What is the penalty for driving without insurance in Kentucky?

Penalties for failure to carry current insurance on a registered car in Kentucky include immediate registration revocation, a fine between $500 and $1,000, and/or up-to 90 days in jail.

What is driving like in Kentucky?

Kentucky is one of the riskier states to drive in due to a high number of fatal crashes per year. Kentucky drivers are notoriously dangerous when driving in the rain.

How can I save money on my car insurance policy in Kentucky?

  • To save money on your car insurance policy, you’ll need to ask good questions, drive more safely, and be a little patient. These are just a few ideas: 
  • Have more than one car? You may be able to get a discount by putting them both on the same insurance policy.
  • Keep your driving record clean to get discounts for good driving. 
  • Ask if it is possible to pay with an installment plan.
  • Talk with your provider about upping your deductible to reduce your monthly rate.

How do I register my car in Kentucky?

Vehicle registrations in Kentucky are handled by county clerk offices, and the website has a listing with a map.

Other Types of Coverage

While you must have a minimum of bodily injury coverage and property damage coverage in order to drive in the state of Kentucky, you don’t have to stop there. You’ll find that there are lots of other types of coverages that might be good to consider. 

Below is a list of coverages you may want to add to your policy: 

Uninsured Motorist Coverage (UMC)/Underinsured Motorist coverage (UIM)

Medical Payments Coverage

Physical Damage Coverage 

Additional kinds of coverage 

  • Towing and road service
  • Rental car reimbursement 
  • Gap insurance

Cities We Cover In Kentucky

Stop paying too much for car insurance coverage you don’t actually need! Cheap car insurance from Cheap Insurance makes it possible to drive legally in Kentucky while saving on your premiums. Find us in the following cities:

Average Annual Premiums in Kentucky = $1,572 | via Insure.com

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