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Car Insurance in Kentucky (Updated May 2024)

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Kentucky Car Insurance Quotes

Car insurance costs are up 22% from a year ago, with some states seeing even higher increases than others. Looking at Kentucky specifically, drivers are paying 5% more for car insurance than the national average, with Full Coverage costing Kentucky drivers an average of $198 per month

Similar to other states, the rates in Kentucky can vary widely by specific cities and zip codes as accident rates, car-related crime, and even weather can have significant influence over a driver's risk profile. Of course, a driver's profile also impacts the total cost of coverage, with age, driving history, and even credit score being some of the major factors evaluated by insurance providers. 

We partner with insurance experts to analyze millions of data points and get you the best car insurance in Kentucky. Read on to learn more about properly insuring your car in Kentucky. 

If you're ready for personalized recommendations, submit your ZIP code above and compare options instantly - absolutely free. 

Kentucky Car Insurance Laws

Kentucky recently initiated a crackdown on people driving without insurance within the state. Vehicle owners without car insurance lose their car registration if they don't provide proof of insurance or acquire it immediately. 

To comply with Kentucky car insurance requirements, owners must purchase insurance from a provider licensed to do business within the state.

Kentucky’s mandates the following minimum coverage:

  • $25,000 for the death or injury of one person
  • $50,000 for the death or injury of two or more people
  • $25,000 for property damage

A policy with a single limit of $60,000 is also acceptable. All policies must include basic reparation benefits unless the motor vehicle is a motorcycle. . 

Proof of Insurance

There is no new car insurance grace period in Kentucky. ” 

Driving without insurance in Kentucky carries stiff penalties. Violators will face a fine between $500 and $1,000, plus the potential for 90 days in jail. In addition, the vehicle's registration will be automatically revoked. 

There is no new car insurance grace period in Kentucky. If you buy a new or used vehicle in the state, make sure you have proper insurance coverage before driving it. Individuals relocating to Kentucky from another state have up to 15 days to register their vehicle but should obtain insurance before operating it.

Frequently Asked Questions

What is the quickest way to reduce my insurance premium in Kentucky?
The quickest and easiest way to reduce your insurance premium is to take advantage of discounts related to your account setup. Depending on the insurance provider, setting up Electronic Funds Transfer (EFT), signing up for Paperless billing, and paying your policy in-full can reduce your cost by 4% to 9% instantly.
What is the most common insurance discount in Kentucky?
The most common insurance discount is signing up for Paperless billing. We have seen discounts range from 3% up to 11% depending on the policy. It is important to note that not all carriers offer this discount and those that do might have rules of when it can be applied (usually around the start of your policy term).
How much will I save switching insurance providers in Kentucky?
How much you can save by switching carriers can vary widely by location, time of year, and your driving record. While some carriers offer a median discount of 6 - 7% for policy renewals, recent research suggests that you can save anywhere between 10 - 20% by switching to a new carrier. The best way to secure the highest savings on your policy is by shopping often and connecting with a licensed agent.

🔍 Auto Insurance Methodology - Premiums are sourced from over 30,000 zip codes across 200 insurance companies. We estimate premiums based on policies seeking 50/100 in liability with $500 deductibles for collision and comprehensive coverage. Rates are based a 35-year-old single female with a good credit score and no history of accidents or violations driving a 2023 Toyota RAV4 LE. We assume no unique benefits or discounts are applied for these rates. Your own rates may be different.