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Best Kentucky Car Insurance – Cheapest KY Auto Insurance Rates | Car Insurance Comparison
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Kentucky car insurance

In Kentucky, car insurance is a driver´s only means of proving financial responsibility on the roads. Unlike some other States, which offer alternative options to auto insurance, in Kentucky you have to have the minimum car insurance requirements and carry proof of it at all times. Penalties for failing to carry car insurance in Kentucky are harsh, and likely to result in the suspension of your vehicle registration and driver´s license.

Car insurance rates in Kentucky could also be described as harsh, despite having average minimum liability limits and an average rate of vehicle theft. The main reasons for auto insurance in Kentucky being so expensive are the high volume of fatal and serious accidents (66 per cent higher than the national average according to the US Department of Transportation) and the fact that one-in-six drive without any form of car insurance in Kentucky according to the Insurance Research Council.

Kentucky Car Insurance Requirements

Kentucky has a “Choice No-Fault” car insurance system, which means that vehicle owners have the choice to reject the no-fault option on their auto insurance in Kentucky and sue negligent drivers for injuries caused in road traffic accidents. This leaves the requirement to carry Motorist Bodily Injury coverage and car insurance against damage to property, for which the minimum liability limits for Kentucky auto insurance are:-

$25,000 for injury/death to one person

$50,000 for injury/death to more than one person

$10,000 for damage to property

Kentucky Auto Insurance Laws

The Kentucky Office of Insurance and Department of Motor Vehicle Regulation requires auto insurance companies in Kentucky to report when a car insurance policy is started. However, the electronic reporting system does not advise either department when a car insurance policy is cancelled or is nor renewed. Therefore, it is required that all drivers keep their car insurance card in their vehicle at all times and produce it when requested by a law enforcement officer or when renewing/transferring a vehicle´s registration – effectively, you cannot legally buy or sell a car in Kentucky without proof of Kentucky car insurance.

The penalties for not being able to show proof of car insurance in Kentucky – even for a first offence – are among the strictest in the country. You will be cited to appear in court, where you can be fined anywhere between $500.00 and $1,000.00 and face a prison term of up to ninety days. Kentucky is one of the few States that does not require SR-22 insurance for DUI offenders; however repeat offenders who cannot provide evidence of Kentucky car insurance could have their vehicle registrations permanently revoked.

Recommended Kentucky Car Insurance Coverage

Inasmuch as many people may choose to reject the no-fault option on their auto insurance in Kentucky, there are a number of reasons for increasing your car insurance in Kentucky to more than the minimum legal requirement. The first is to provide coverage for serious injury to another person through your own negligent driving. If you are responsible for a catastrophic injury to another driver, your auto insurance company will only pay to the limit of your Kentucky auto insurance. Thereafter you are personally liable for the remainder, and therefore you should either double up on the minimum liability limits (at least) or take addition auto collision insurance.

Also, in light of the high number of uninsured drivers, you may also want to consider Uninsured/Underinsured Motorist protection, or fully comprehensive car insurance in Kentucky if you live in a region which is subject to Kentucky´s notorious hail storms or in metropolitan districts where there is a high volume of car theft (see below). Although this makes Kentucky auto insurance more expensive, there are a number of ways in which you can reduce your auto insurance premium.

Cheap Kentucky Car Insurance Quotes

There are a number of ways in which you can save money on car insurance in Kentucky – some of them not so obvious! Whereas many people will be familiar with getting cheaper car insurance quotes by increasing their deductable, or attaching a car insurance policy to a home insurance policy, making your car safer and more secure can result in significant savings on auto insurance rates in Kentucky.

The installation of daytime running lights, automatic seat belts and air-bags will increase the likelihood of receiving cheap Kentucky car insurance quotes and, if you are able to store your vehicle in a locked garage when not in use (reducing the risk of it getting stolen or trashed by hail) this will also make a favorable impression on the rates you are quoted for your Kentucky car insurance.

The best way to find cheap auto insurance in Kentucky is to compare car insurance companies using a comparison tool like that at the top of the page. Once you have a selection of car insurance companies offering the best rates of car insurance in Kentucky, you can then ask if you qualify for further discounts because of your profession, Kentucky car insurance rating or even because you get good grades at school!

Kentucky Car Insurance Ratings

Your Kentucky car insurance rating is based on historically collected statistics about the element of risk taken by auto insurance companies in Kentucky when they offer you car insurance. Your Kentucky car insurance can be influenced by where you live, what you do for a living or – as mentioned above – what grades you get at school (responsible students make responsible drivers!). For example, despite the population of Richmond being dominated by females (52.51 per cent), male drivers are responsible for almost two thirds of road traffic accidents.

Young drivers in Kentucky will also be penalized for the dreadful driving record of people aged between 20 and 24 years. This age group was responsible for 28 per cent of all road traffic accidents in Kentucky in 2009 – equal to the percentage of road traffic accidents that were attributable to the 35 to 64 year old age group. And it is not just where you live, your gender or your age which will determine your Kentucky car insurance rating. As the list below reveals, auto insurance companies love to offer cheap insurance quotes in Kentucky to those who show responsibility.

Other factors which affect your Kentucky car insurance rating include:-

  • Your Marital Status – If you are married, historical statistics suggest that you will be a safer driver on the roads of Kentucky. Once you start having a family, it is considered that your driving will become even more defensive and you will receive better auto insurance rates in Kentucky.
  • Your Credit Status – Drivers who maintain a good credit status a shown financial responsibility are thought to transfer that responsibility to the use of the roads. Historically, bad debt equals bad risk, and you will benefit from cheap auto insurance in Kentucky if you pay your bills on time!
  • Your License Status – One of the first things car insurance companies in Kentucky will look at is your driving license status. If you have established a driving record free of traffic violations and have not had a break in your auto insurance coverage, your car insurance rates will be lower.
  • Your Work Status – Although not having a job will not negatively affect car insurance rates in Kentucky, using you vehicle to commute to work will! If you only use the car for a little local shopping, or to collect the kids from school, tell your car insurance company as you should be eligible for a discount.

Most Stolen Vehicles in Kentucky

Car insurance companies in Kentucky also pay attention to the National Insurance Crime Bureau´s annual list of the most stolen vehicles in Kentucky. Should your car appear on this list, you will have to add additional security features to your vehicle to avoid being penalized by higher auto insurance rates.

The list for 2010 was as follows:-

  1. Chevrolet Pick-Up
  2. Ford F150 Pick-Up
  3. Ford Taurus
  4. Toyota Camry
  5. Ford Explorer
  6. Chevrolet Impala
  7. Dodge Ram
  8. Ford Ranger
  9. Honda Accord
  10. Chevrolet Cavalier

Where You Car May Get Stolen in Kentucky

The National Insurance Crime Bureau (NICB) also publishes a list of the 360 metropolitan districts which nationally record the highest level of vehicle thefts per capita. Many of those districts listed as being in the State of Kentucky actually fall on the borders of neighboring States. The districts mentioned on the NICB´s register solely located in Kentucky are generally way down the national list of car thefts (their national position is indicated in brackets).

Although this indicates that there is not a significant amount of car theft in the centre of Kentucky, if you live in one of the following areas you should consider increasing the level of your vehicle´s security to save on auto insurance rates in Kentucky.

The worst metropolitan districts for car theft in Kentucky in 2010 were:-

  1. Louisville (96)
  2. Lexington (169)
  3. Ashland (171)
  4. Middletown (181)
  5. Clarkesville (208)
  6. Evansville (212)
  7. Bowling Green (214)
  8. Elizabethtown (269)
  9. Owensboro (322)

Typical Kentucky Car Insurance Rates

Typically, car insurance rates in Kentucky are up to 40 per cent more expensive than the national average. Young male drivers in cities with a high level of vehicle theft are going to pay much higher than that whereas middle aged mothers, who use their cars for school runs in rural areas, will pay far less. The average national rate of car insurance in America is $1,440. Here are some of the average rates paid in Kentucky in 2009:-

Car insurance in Covington – $1,277

Car insurance in Hopkinsville – $1,334

Car insurance in Richmond – $1,491

Car insurance in Bowling Green – $1,552

Car insurance in Henderson – $1,571

Car insurance in Lexington – $1,595

Car insurance in Owensboro – $1,602

Car insurance in Jeffersontown – $1,648

Car insurance in Frankfort – $1,719

Car insurance in Louisville – $1,969

Kentucky Car Insurance Companies

Even when you have been happy with your existing Kentucky car insurance company for many years, there can be excellent benefits to shopping around for car insurance in Kentucky. Despite the high level of road traffic accidents, there is still a competitive market for Kentucky auto insurance, and the following list provides a comprehensive guide to car insurance companies in Kentucky.

Alfa First Liberty Ohio Security
Allstate First National Omni
American Bankers Foremost Owners
American Commerce Garrison Pharmacists Mutual
American Family Home GEICO Phoenix
American Fire & Casualty Grange Progressive
American Home Assurance Granite State Response
American International GuideOne Safe Auto
American Modern Hamilton Mutual Safeco
American National Hartford Sentinel
American Reliable Illinois National Sentry
AMICA Mutual Indiana Insurance Company Shelter
Auto-Owners Infinity Standard Fire
California Casualty Kentucky Farm Bureau Mutual State Auto
Cincinnati Liberty Mutual State Farm
Countryway Lyndon Southern Travco
Dairyland Markel Travelers
Deerbrook MeraStar Trinity
Direct Metropolitan TrustGard
Electric Motorists Mutual Unitrin
Encompass National General USAA
Farmers National Union Fire Vigilant
FB Insurance Nationwide West American
Federal Northbrook Westfield
Firemans Fund Ohio Casualty Yosemite

Those Kentucky car insurance companies which are underlined in the list above have been reviewed by us on the list to the right of the page, and some of the other car insurance companies in Kentucky will offer discounted car insurance rates to members of a certain profession, age or gender. Car insurance companies in Kentucky rarely advertise additional discounts, so make sure you ask if you qualify for any!

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