Kentucky Auto Insurance [Rates + Cheap Coverage Guide]

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Kentucky Statistics Summary Details
Miles of Roadway 79,857
Miles Driven in the State 48,675 million
Registered Vehicles 4,040,964
Motor Vehicle Thefts 7,782
Population 4,468,402
Most Popular Vehicle Ford F-150
Uninsured Motorist Rate 11.5%
Total Driving-Related Deaths in 2018 782
Speeding Fatalities in 2018 138
DUI Fatalities in 2018 181
Average Annual Car Insurance Cost Liability: $529.21
Collision: $267.91
Comprehensive: $141.39

Home to the Kentucky Derby, the great state of Kentucky has a lot to offer its residents. The “Bluegrass State”, also known as the Commonwealth of Kentucky, is a land of wide pastures and is absolutely perfect for a road trip.

But before you hit the road, you’re going to want to make sure your car insurance needs are taken care of. That’s what we’re here for.

In this comprehensive guide that we’ve created for the great state of Kentucky, we’ll go through all of the things you’ll need to know in order to make the best decision for your car insurance.

We’ll cover topics on the types of car insurance coverage you’ll need, the typical insurance rates you’ll see in the state, the largest insurance providers in Kentucky, and more.

Are you ready to get started comparing now? Use our FREE online tool.

Table of Contents

Kentucky Car Insurance Coverage and Rates

Let’s get started! In this first section, we’ll talk about all of the car insurance coverage you’ll want to make sure you have in order to legally drive in Kentucky. We’ll also touch on a few of the different insurance rates you’ll see that are unique to Kentucky.

– Kentucky Minimum Coverage

Each state that requires that every driver has car insurance, there is something known as the minimum liability coverage.

This is the minimum amount of liability coverage you are allowed in order to legally drive in the state.

Why is this particularly important for those in Kentucky? Well, Kentucky is known as a “no-fault” state according to the AAA of Digest Motor Laws.

“No-fault” states are states in which regardless of who is at fault for a car accident, each driver has to depend upon their own insurance coverage to pay for any damages or injuries.

So making sure you have AT LEAST the minimum coverage is vital to keeping yourself from having to pay for all of this out of pocket should you be in a car accident.

According to Kentucky’s DMV, the minimum coverage for this state is as follows:

  • $25,000 –for the payment of any bodily injuries for one person incurred during an accident
  • $50,000 – for the payment of any bodily injuries of multiple people incurred during an accident
  • $25,000 – for the payment of any property damage incurred during an accident
  • $10,000 – for the payment of your own personal injury protection (PIP)
  • $25,000/$50,000 – for the payment of protection against uninsured/underinsured drivers

Keep in mind that these are all the MINIMUM amounts of coverage you are allowed to have in order to legally drive in the state. It is always recommended to get more than the minimum coverage, especially in no-fault states.

– Forms of Financial Responsibility

As it is a requirement to carry this minimum liability coverage with you while driving, there may come a time in which you will be required to provide proof of insurance, also known as a form of financial responsibility.

What counts as a form of financial responsibility? Well, in Kentucky, any of the following options are suitable:

  • Current insurance ID card (either the physical copy or an electronic copy through your provider’s mobile app is accepted)
  • Copy of your insurance policy

So as long as you have at least one of these types of proof, you will be cruising the roads easily.

– Premiums as a percentage of income

There’s a factor that can affect your insurance premiums, something known as the per capita disposable income. What exactly is this and what does it mean for you?

Per capita disposable income is the amount of money a population (such as the citizens of Kentucky) makes each year after taxes have been deducted.

Let’s say, for example, that you make $75,000 per year at your job. After taxes have been taken out, let’s say you have $60,000 leftover. This $60,000 is considered your personal disposable income.

Now let’s say that we average out all of disposable incomes of every citizen of Kentucky. That would then be the per capita disposable income.

In Kentucky, the average per capita disposable income is $33,237. This means all of your other expenses comes from this amount, such as your health insurance, groceries, rent, etc. 

Full Coverage
2014
Disposable
Income 2014
Insurance as %
of Income 2014
Full Coverage
2013
Disposable
Income 2013
Insurance as %
of Income 2013
Full Coverage
2012
Disposable
Income 2012
Insurance as %
of Income 2012
$917.49 $33,237.00 2.76% $904.99 $31,951.00 2.83% $888.46 $32,202.00 2.76%

As you can see from the table above, this means that on average approximately 2.76 percent of this $33,237 goes purely paying for your insurance rates. So making sure to budget your money wisely will save you a lot of stress down the road.

If you want to calculate what your average premium would be based on your own income, use the calculator below.

CalculatorPro

– Core Coverage

Kentucky has the following core coverage rates according to the National Association of Insurance Commissioners:

Coverage Type Kentucky Average Nationwide Average
Liability $529.21 $538.73
Collision $267.91 $322.61
Comprehensive $141.39 $148.04

– Additional Liability

There is the minimum liability coverage that you can get, and then there are additional types of liability coverage. Additional liability, such as Medical Payments (MedPay), Personal Injury Protection (PIP), and Uninsured/Underinsured Motorist coverage.

In Kentucky, while MedPay coverage is optional, you are required to have PIP and Uninsured/Underinsured motorist coverage. This is especially important due to the fact that, as we mentioned earlier, Kentucky is a “no-fault” state.

Meaning that should you be in an accident, your insurance company is the one who will be the one paying for it.

So what exactly do these additional liability coverage types do for you?

  • Medical Payments (MedPay) helps to cover any medical payments that you or any passengers in your vehicle might incur during an accident.
  • Personal Injury Protection (PIP) helps to cover any personal injuries you might have in an accident, so it’s similar to MedPay, however, it also covers other documented losses (such as any lost wages you had)
  • Uninsured/Underinsured Motorist coverage helps to cover your expenses should you be involved in an accident with a driver who either has less than the minimum liability coverage or who isn’t insured at all.

All extremely valuable coverage options for you, so it’s actually a really good thing that PIP and Uninsured/Underinsured Motorist coverage are required.

So now that you know about what these additional liability coverage options are, you’ll want to know what their loss ratios are in the state of Kentucky.

A loss ratio is the comparison of how much companies pay in insurance claims to their customers versus the amount of money they bring in through the insurance premiums you pay each month.

You want these loss ratios to be in a healthy range.

  • Loss ratios that are too high, over 100 percent, means that companies are paying out too much in claims to their customers and are actually at risk of going bankrupt because of it.
  • Loss ratio’s that are too low mean that companies aren’t paying out enough to their customers.

Think of it like the story of Goldilocks: not too high, not too low, but just right.

Kentucky has the following loss ratios according to the National Association of Insurance Commissioners (NAIC):

Type of Insurance 2013 2014 2015
Uninsured/Underinsured Motorist Coverage 75.74 77.87 76.48
Personal Injury Protection 74.88 74.65 76.70
Medical Payments (MedPay) 57.17 65.03 68.27

As you can see from the table above, the loss ratio’s for each of these additional liability coverage types are within a good range, and appear to be trending upwards.

– Add-ons, Endorsements, and Riders

We want you to get the absolute best coverage, for the best price, that you can. But did you know that there are additional coverage types you may not have even heard of and ones that are extremely affordable and could really help you out in a pinch?

Take a look at the coverage types below to see what Kentucky has for you:

– Demographic Rates

One factor that a lot of people don’t think of when it comes to their insurance rates is what demographic they fall into. Your gender, marital status, and age can sometimes play a factor into what you will pay for your insurance.

Company Married 35-year old female Married 35-year old male Married 60-year old female Married 60-year old male Single 17-year old female Single 17-year old male Single 25-year old female Single 25-year old male
Allstate P&C $4,071.95 $4,017.67 $3,708.46 $3,948.99 $15,246.63 $17,008.49 $4,461.82 $4,687.35
GEICO General $3,752.09 $3,471.17 $3,923.45 $3,552.25 $7,644.91 $9,029.89 $3,057.23 $2,637.75
SAFECO Ins Co of IL $3,231.71 $3,507.83 $2,759.05 $3,088.10 $13,306.20 $14,712.30 $3,363.97 $3,478.61
Nationwide Mutual $3,944.67 $3,921.87 $3,563.85 $3,709.70 $8,821.28 $10,924.10 $4,475.85 $4,664.48
Progressive Direct $2,630.46 $2,493.44 $2,369.27 $2,374.60 $13,086.14 $14,834.10 $3,266.78 $3,326.24
State Farm Mutual Auto $2,146.67 $2,146.67 $1,914.73 $1,914.73 $6,057.12 $7,621.54 $2,389.96 $2,643.11
Travelers Home & Marine Ins Co $2,737.32 $2,786.72 $2,693.47 $2,697.68 $13,524.14 $21,804.08 $2,862.77 $3,307.23
USAA $1,936.64 $1,940.60 $1,749.37 $1,779.35 $5,187.97 $5,460.08 $2,447.73 $2,681.40

As you can see from the table above, married couples tend to pay relatively the same rate for their insurance. It’s the younger demographics, however, that seem to have the most variability.

This isn’t uncommon, unfortunately, as most insurance providers tend to see younger drivers as more high-risk, so therefore they pay more for their rates.

But these rates can and will improve with time. If you are a safe driver and maintain a clean driving record, these insurance rates will definitely improve.

– Highest/Lowest by Zip Code and City

City Zipcode Average
HICKORY 42303 $3,562.72
MORTONS GAP 42301 $3,571.06
SILER 41042 $3,667.47
JUNCTION CITY 42104 $3,669.25
SUMMER SHADE 42101 $3,691.47
MOUNT STERLING 42103 $3,701.92
FORT KNOX 41075 $3,704.38
FARMERS 41017 $3,708.93
LOUISVILLE 41073 $3,717.46
SLADE 41076 $3,732.13
TOMPKINSVILLE 42274 $3,743.65
WASHINGTON 41051 $3,746.40
WEST LIBERTY 41005 $3,753.36
WILLIAMSBURG 41018 $3,759.97
CERULEAN 42376 $3,763.32
MEANS 41071 $3,770.88
MASON 41048 $3,772.80
SLAUGHTERS 42355 $3,773.20
KNOB LICK 42122 $3,780.86
WEST SOMERSET 41074 $3,782.52
FAIRDALE 41085 $3,788.09
PLUMMERS LANDING 41080 $3,789.43
LOUISVILLE 41015 $3,796.57
MINERVA 41091 $3,805.01
GIRDLER 41001 $3,816.37
LEXINGTON 42366 $3,822.12
RAVENNA 41007 $3,833.22
LONDON 41063 $3,846.10
KEAVY 41059 $3,846.51
HAZEL 42420 $3,848.00
CLAY CITY 41094 $3,848.93
RUMSEY 42220 $3,865.38
ELLIOTTVILLE 41016 $3,874.06
ELKFORK 41011 $3,878.25
GRAYS KNOB 40515 $3,880.91
LOUISVILLE 41014 $3,881.80
LOVELACEVILLE 42276 $3,888.10
BENHAM 40504 $3,888.88
VERONA 42451 $3,889.73
LOUISVILLE 40514 $3,897.33
CRAYNE 42159 $3,901.18
BOAZ 42240 $3,903.31
CROCKETT 40508 $3,917.61
HOLLAND 42286 $3,917.94
KENVIR 40513 $3,918.42
LEXINGTON 42458 $3,923.21
WICKLIFFE 42170 $3,925.36
ONEIDA 40503 $3,929.30
HARRODSBURG 42141 $3,931.08
EVARTS 40536 $3,933.04
HARLAN 40546 $3,933.04
LOUISVILLE 40526 $3,933.04
CHAPPELL 40510 $3,935.07
ROXANA 40383 $3,941.64
HERNDON 42452 $3,945.39
MILLSTONE 40475 $3,947.96
MANCHESTER 40517 $3,949.27
PRINCETON 42266 $3,953.09
ARLINGTON 42202 $3,960.86
MILLWOOD 42171 $3,962.21
HARDIN 42378 $3,963.22
LOUISVILLE 40507 $3,963.32
BIG CREEK 40511 $3,964.40
EDDYVILLE 42223 $3,966.00
WHICK 40509 $3,977.25
PRESTONSBURG 40324 $3,977.83
EARLINGTON 42204 $3,979.63
KUTTAWA 42265 $3,984.43
CLOSPLINT 40505 $3,996.03
BURGIN 42254 $4,000.64
COLUMBUS 42234 $4,001.09
JACKSON 40516 $4,002.14
DANVILLE 42071 $4,005.72
NORTONVILLE 42236 $4,008.78
MITCHELLSBURG 41092 $4,023.61
SAINT CHARLES 42262 $4,027.22
ROBINSON CREEK 40390 $4,027.58
NEBO 42160 $4,029.00
PARIS 42232 $4,029.96
ROARK 40403 $4,034.67
BELTON 42025 $4,035.86
AUBURN 42406 $4,036.11
GORDON 40347 $4,036.85
LA FAYETTE 42457 $4,039.91
MC QUADY 42049 $4,040.25
OLATON 42134 $4,042.71
BEREA 42280 $4,043.41
VIRGIE 40356 $4,043.87
CLAY 42036 $4,044.35
WOOTON 40502 $4,046.47
WHEATCROFT 42206 $4,047.79
CUSTER 42020 $4,048.04
HICKMAN 42054 $4,050.30
LEITCHFIELD 42048 $4,053.45
ADOLPHUS 42327 $4,054.02
BARLOW 42215 $4,057.82
PAINT LICK 42164 $4,060.67
MORGANFIELD 42320 $4,061.25
EDMONTON 42217 $4,062.98
FRANKFORT 42351 $4,063.07
BARDWELL 42163 $4,064.67
TILINE 42044 $4,069.09
SMITH MILLS 42431 $4,070.65
CUMBERLAND 40506 $4,077.43
BLACKEY 40372 $4,077.57
WOODBURY 41099 $4,077.97
GUTHRIE 42456 $4,080.98
JEFF 40379 $4,085.79
CLINTON 42127 $4,090.90
LOYALL 40601 $4,091.09
FRANKLIN 42413 $4,093.31
FALLS OF ROUGH 42130 $4,095.14
SACRAMENTO 42076 $4,097.42
ROUSSEAU 40391 $4,097.62
LEXINGTON 42408 $4,098.51
BEAR BRANCH 40385 $4,099.03
LEXINGTON 42462 $4,101.85
MIDWAY 42436 $4,102.44
WINCHESTER 42347 $4,102.77
OLMSTEAD 42459 $4,104.31
GARNER 40342 $4,108.05
GEORGETOWN 42461 $4,111.22
LA CENTER 42156 $4,111.22
PARK CITY 42444 $4,112.24
ROCHESTER 42029 $4,112.50
BURNA 42120 $4,115.07
PERRYVILLE 42066 $4,118.24
GRAND RIVERS 42040 $4,118.64
COVINGTON 42701 $4,120.55
CECILIA 42039 $4,121.10
POOLE 42330 $4,121.47
CORYDON 42437 $4,134.80
VINE GROVE 42051 $4,134.98
BENTON 42440 $4,140.24
PADUCAH 42211 $4,140.55
MC HENRY 42153 $4,142.67
CUNNINGHAM 42256 $4,143.16
ASHER 40404 $4,143.98
ROCKPORT 42060 $4,145.09
DUNDEE 42082 $4,147.82
MOUNT HERMON 42167 $4,148.39
LANCASTER 42079 $4,149.51
WILMORE 42445 $4,150.22
ABERDEEN 42055 $4,150.47
MURRAY 42453 $4,152.91
SYMSONIA 42275 $4,154.03
GREENVILLE 42210 $4,154.79
GAMALIEL 42035 $4,156.74
SHELBY GAP 40310 $4,159.62
ASHLAND 42003 $4,159.79
FORDSVILLE 42027 $4,167.92
GRACEY 42442 $4,167.92
CENTER 42032 $4,170.05
ARY 40361 $4,171.30
POWDERLY 42038 $4,171.51
HANSON 42350 $4,173.45
CROFTON 42371 $4,174.49
COLUMBIA 42085 $4,176.24
CLEATON 42129 $4,180.61
BREMEN 42086 $4,180.77
BEECHMONT 42024 $4,181.47
MILLERSBURG 42088 $4,181.85
CAMPBELLSVILLE 42001 $4,182.42
DAWSON SPRINGS 42345 $4,183.18
PARKSVILLE 42053 $4,183.89
FORT CAMPBELL 42463 $4,184.16
NICHOLASVILLE 42410 $4,184.40
GRADYVILLE 42021 $4,188.91
DUNBAR 42022 $4,190.14
FORT THOMAS 42762 $4,190.99
FOUNTAIN RUN 42087 $4,191.34
ETOILE 42157 $4,193.28
LEXINGTON 42455 $4,195.34
BURDINE 40461 $4,197.37
LEDBETTER 42023 $4,197.88
BEREA 42441 $4,198.31
HORSE BRANCH 42033 $4,199.21
SOUTH CARROLLTON 42131 $4,200.44
CENTERTOWN 42056 $4,200.78
HESTAND 42069 $4,201.11
STAMPING GROUND 42354 $4,202.85
CENTRAL CITY 42321 $4,205.30
PIKEVILLE 40330 $4,206.30
WHITE PLAINS 42123 $4,208.05
SALVISA 42361 $4,208.66
CAVE CITY 42352 $4,210.47
SCOTTSVILLE 42374 $4,211.74
THELMA 40119 $4,213.82
LUCAS 42332 $4,214.52
UNIONTOWN 42333 $4,216.06
GREENSBURG 42031 $4,219.36
VAN LEAR 40178 $4,219.81
LEXINGTON 42464 $4,220.19
MELBER 42154 $4,220.75
DUNMOR 42028 $4,222.51
SECO 40440 $4,222.69
SHELBIANA 40353 $4,222.87
SEBREE 42166 $4,223.82
CLAYHOLE 40348 $4,224.64
LIVERMORE 42133 $4,225.18
FARMINGTON 42325 $4,225.50
LATONIA 42728 $4,228.68
NEW CONCORD 42348 $4,229.88
HARTFORD 42338 $4,233.74
WESTVIEW 42124 $4,234.34
WHITESBURG 40444 $4,235.47
BROWNSVILLE 42259 $4,236.29
BEAVER DAM 42372 $4,237.39
HYDEN 40422 $4,239.12
LEWISPORT 42370 $4,240.15
BEECH CREEK 42151 $4,242.08
PARTRIDGE 40468 $4,242.79
PROVIDENCE 42041 $4,243.00
MAYFIELD 42326 $4,243.04
CALIFORNIA 42721 $4,243.51
ROCKY HILL 42369 $4,244.22
SHARON GROVE 42411 $4,244.36
CALVERT CITY 42328 $4,245.11
BANDANA 42201 $4,245.67
BEE SPRING 42050 $4,245.92
PINE TOP 40464 $4,249.52
VICCO 40175 $4,252.33
KEVIL 42207 $4,255.39
SLEMP 40153 $4,256.01
NEWPORT 42754 $4,256.28
LEWISBURG 42285 $4,258.52
DEXTER 42409 $4,263.27
HAWESVILLE 42083 $4,263.92
OAK GROVE 42450 $4,264.28
DIXON 42045 $4,264.64
ALEXANDRIA 42724 $4,266.40
MADISONVILLE 42367 $4,266.59
STURGIS 42337 $4,271.78
ALMO 42404 $4,272.21
AUSTIN 42140 $4,274.31
EIGHTY EIGHT 42349 $4,275.01
WINGO 42214 $4,275.26
UTICA 42743 $4,277.59
SEDALIA 42273 $4,278.22
MANITOU 42339 $4,278.78
WAVERLY 42343 $4,279.71
ELIZABETHTOWN 42324 $4,280.64
FANCY FARM 42323 $4,282.32
FREDONIA 42058 $4,283.92
WATER VALLEY 42219 $4,283.93
NEWPORT 42742 $4,285.87
MOUSIE 40115 $4,287.83
DYCUSBURG 41102 $4,291.42
MORNING VIEW 42718 $4,293.49
FALCON 40152 $4,293.87
WALTON 42715 $4,296.29
STANVILLE 40170 $4,296.60
KIMPER 40121 $4,298.15
MEALLY 40076 $4,298.31
PADUCAH 42252 $4,299.70
BELCHER 40065 $4,300.04
UNION 42726 $4,301.48
PARKERS LAKE 41101 $4,302.96
COVINGTON 42712 $4,304.75
GILBERTSVILLE 42368 $4,305.04
DELPHIA 40140 $4,306.30
HEBRON 42741 $4,306.57
LETCHER 40370 $4,308.55
PINE RIDGE 41030 $4,311.31
ROCKFIELD 42753 $4,314.95
BURLINGTON 42748 $4,315.46
TRAM 40171 $4,316.35
SOUTH WILLIAMSON 40162 $4,316.41
ROUNDHILL 42261 $4,317.06
LOOKOUT 40003 $4,318.29
SAINT HELENS 40160 $4,320.18
FOREST HILLS 40143 $4,322.85
WARFIELD 40145 $4,323.94
WACO 42344 $4,325.41
FULTON 42064 $4,326.40
INDEPENDENCE 42749 $4,326.90
DAYTON 42732 $4,327.77
BETSY LAYNE 40144 $4,328.81
OIL SPRINGS 40111 $4,329.28
COMBS 40337 $4,338.74
NAZARETH 41031 $4,339.20
BEAUMONT 42081 $4,339.98
LOUISVILLE 41056 $4,342.87
LOWES 41139 $4,345.55
SWEEDEN 42047 $4,348.04
BOWLING GREEN 42764 $4,349.35
INEZ 40176 $4,349.46
RIVER 40068 $4,352.41
BOWLING GREEN 42776 $4,352.89
MC CARR 40019 $4,353.92
OWENSBORO 42788 $4,358.88
MAMMOTH CAVE 42078 $4,358.91
ALVATON 42733 $4,359.50
MACEO 42740 $4,360.43
OLIVE HILL 41169 $4,369.78
LICK CREEK 40067 $4,371.30
LEXINGTON 42642 $4,372.70
VIPER 40351 $4,381.69
PINSONFORK 40031 $4,383.22
STAFFORDSVILLE 40146 $4,386.11
THOUSANDSTICKS 40223 $4,386.88
FRENCHBURG 41010 $4,386.89
RAVEN 40022 $4,395.07
IRVINE 41033 $4,396.83
SAINT FRANCIS 41183 $4,398.53
SAINT MARY 41034 $4,401.81
LEXINGTON 42544 $4,402.01
ORLANDO 41065 $4,403.07
LILY 41055 $4,404.61
MC KEE 41003 $4,405.06
GARRETT 40077 $4,406.68
MALLIE 40355 $4,411.45
MC ANDREWS 40014 $4,415.11
EAST POINT 40222 $4,416.35
WEST VAN LEAR 40070 $4,423.79
DWALE 40311 $4,425.59
FISTY 40242 $4,426.77
PETERSBURG 42729 $4,429.77
PRESTON 41064 $4,432.19
FEDSCREEK 40007 $4,435.88
PILGRIM 40207 $4,436.63
PHILPOT 42722 $4,439.73
BEVINSVILLE 40057 $4,441.18
DRIFT 40142 $4,442.11
KEATON 40108 $4,443.46
DRAKE 41168 $4,445.60
PHYLLIS 40036 $4,448.17
TEABERRY 40155 $4,448.63
TRENTON 42629 $4,450.69
STAMBAUGH 40050 $4,451.16
ERLANGER 42746 $4,451.76
SIDNEY 40026 $4,455.35
HENDERSON 42716 $4,458.06
LEXINGTON 42553 $4,461.09
MAJESTIC 40010 $4,461.39
STANTON 41097 $4,464.07
FT MITCHELL 42759 $4,466.45
FLORENCE 42782 $4,467.46
FREEBURN 40011 $4,469.69
YEADDISS 40374 $4,469.75
YERKES 40243 $4,469.75
HAGERHILL 40157 $4,473.98
MINNIE 40056 $4,474.09
IVEL 40161 $4,474.42
BRYANTS STORE 41041 $4,475.04
BELLEVUE 42757 $4,478.65
BOWLING GREEN 42765 $4,480.39
BIGHILL 41144 $4,481.03
RACCOON 40350 $4,482.49
LOUISVILLE 41035 $4,484.59
EASTWOOD 41039 $4,485.28
LACKEY 40051 $4,489.43
REDFOX 40299 $4,490.39
MOZELLE 40409 $4,493.92
PINE KNOT 41121 $4,495.48
BUCKHORN 40360 $4,497.17
HITCHINS 41174 $4,503.76
LEXINGTON 42528 $4,504.25
LOUISVILLE 41006 $4,504.66
WILLIAMSPORT 40055 $4,507.71
ELKTON 42713 $4,516.20
WOODBURN 42567 $4,517.53
BOONS CAMP 40058 $4,521.22
MELBOURNE 42717 $4,526.43
BLOOMFIELD 41189 $4,529.34
ASHCAMP 40313 $4,531.24
OWENSBORO 42784 $4,532.76
DENTON 41175 $4,532.81
DANA 40117 $4,532.82
CROMONA 40023 $4,534.08
SAUL 40075 $4,541.30
CATLETTSBURG 41093 $4,541.98
HELTON 40363 $4,544.60
SMITHS GROVE 42516 $4,545.55
LOUISVILLE 41049 $4,555.76
SPOTTSVILLE 42602 $4,556.13
SOLDIER 41002 $4,557.21
LOUISVILLE 41135 $4,557.88
WHITESVILLE 42503 $4,561.65
COXS CREEK 41179 $4,563.55
ROCKHOLDS 41046 $4,564.69
LANGLEY 40177 $4,565.52
MOUNT VERNON 41141 $4,566.16
LEXINGTON 42501 $4,568.07
RICHMOND 42533 $4,569.01
EAST BERNSTADT 41040 $4,570.90
VERSAILLES 42541 $4,571.95
MILFORD 41052 $4,572.01
ROWDY 40334 $4,573.64
MELVIN 40040 $4,574.21
TOPMOST 40037 $4,575.68
LITTCARR 40205 $4,578.20
CALHOUN 42377 $4,580.01
LEJUNIOR 40150 $4,581.85
HOSKINSTON 40004 $4,583.26
SASSAFRAS 40245 $4,585.25
FORDS BRANCH 40358 $4,585.60
RANSOM 40006 $4,586.54
LIVINGSTON 41045 $4,588.05
CHAVIES 40241 $4,592.07
BEAUTY 40059 $4,592.97
DEBORD 40033 $4,594.76
MAYKING 40448 $4,596.20
WHITLEY CITY 41095 $4,596.23
ISLAND 42221 $4,599.24
TUTOR KEY 40104 $4,601.73
WITTENSVILLE 40045 $4,602.17
ERMINE 40484 $4,602.90
FLATGAP 40052 $4,606.93
HARRODS CREEK 41043 $4,607.62
DAVID 40165 $4,609.74
BASKETT 41166 $4,610.00
BYPRO 40041 $4,612.27
HALLIE 40359 $4,615.92
WEEKSBURY 40049 $4,617.44
MC ROBERTS 40442 $4,617.61
LEXINGTON 42603 $4,617.98
AVAWAM 40437 $4,619.43
HELLIER 40107 $4,620.05
ADAIRVILLE 42518 $4,621.41
ROBARDS 42539 $4,623.56
WHEELWRIGHT 40046 $4,625.79
BELFRY 40220 $4,626.34
HARDY 40025 $4,628.02
FRAKES 41044 $4,635.22
STONE 40012 $4,637.36
MOUTHCARD 40110 $4,638.52
JEREMIAH 40419 $4,638.74
NEWPORT 42356 $4,641.73
HI HAT 40069 $4,645.59
ROCKHOUSE 40078 $4,646.35
SITKA 40047 $4,652.32
ESSIE 40328 $4,654.14
STEELE 40009 $4,657.59
HOPKINSVILLE 42633 $4,658.15
LOUISVILLE 41083 $4,661.45
LEXINGTON 42558 $4,662.24
GLASGOW 42565 $4,664.34
EZEL 41004 $4,675.33
HINDMAN 40371 $4,675.98
LAWRENCEBURG 42334 $4,676.36
BARBOURVILLE 41008 $4,680.67
SMILAX 40489 $4,683.08
TOMAHAWK 40060 $4,683.94
MARSHES SIDING 41098 $4,685.38
LOUISVILLE 41086 $4,692.34
LEBURN 40071 $4,693.36
ROYALTON 40061 $4,694.30
PRINTER 40109 $4,696.72
LEXINGTON 42566 $4,698.51
HUDDY 40008 $4,700.50
BANNER 40062 $4,701.31
ELKHORN CITY 40206 $4,733.84
CANADA 40013 $4,741.02
MILBURN 41132 $4,744.12
KENTON 41146 $4,753.33
PHELPS 40020 $4,754.78
LYNNVILLE 41143 $4,762.99
LOUISVILLE 41164 $4,777.71
CROMWELL 42128 $4,785.62
KIRKSEY 42402 $4,793.30
ALLEN 40291 $4,798.20
ALLENSVILLE 42460 $4,801.82
WEST PADUCAH 42216 $4,823.09
PEMBROKE 42519 $4,825.50
DUBRE 41053 $4,830.30
ISOM 40405 $4,831.91
BROWDER 42063 $4,861.23
LOST CREEK 40456 $4,861.41
CANEYVILLE 42061 $4,869.63
WAYLAND 40228 $4,887.81
ROSINE 42070 $4,917.66
REED 42638 $4,945.48
COVINGTON 42649 $4,945.64
LEXINGTON 42635 $4,954.76
DRAKESBORO 42037 $4,957.69
OAKLAND 42634 $4,986.26
CADIZ 42288 $4,990.26
LEXINGTON 42631 $4,990.37
VANCLEVE 40380 $5,007.10
RUSSELLVILLE 42647 $5,009.00
LEXINGTON 42653 $5,018.14
GAYS CREEK 40312 $5,024.71
REVELO 41129 $5,036.74
BONNYMAN 40452 $5,038.30
LONDON 41062 $5,059.28
EMMALENA 40272 $5,060.62
CARRIE 40118 $5,061.32
REGINA 40218 $5,069.92
LOUISVILLE 41037 $5,092.12
ELIZAVILLE 41081 $5,111.44
LINEFORK 40376 $5,118.53
GRETHEL 40122 $5,123.79
LEXINGTON 42564 $5,127.99
HUEYSVILLE 40229 $5,129.88
JENKINS 40346 $5,132.32
THORNTON 40460 $5,132.65
STINNETT 40366 $5,133.29
PATHFORK 40744 $5,134.34
DWARF 40741 $5,137.74
SIZEROCK 40219 $5,149.39
WARBRANCH 40737 $5,158.36
HAROLD 40258 $5,167.36
WANETA 40740 $5,175.08
GARRARD 40701 $5,176.18
SILVER GROVE 42731 $5,179.49
LOUISVILLE 41061 $5,183.71
STEARNS 41096 $5,218.81
BUSY 40213 $5,225.79
CORBIN 41054 $5,227.95
MARY ALICE 40759 $5,246.48
EOLIA 40445 $5,247.61
LOUISVILLE 40940 $5,278.65
DEMA 40027 $5,278.95
DAYHOIT 40763 $5,282.76
DENNISTON 40921 $5,323.73
BULAN 40729 $5,346.83
STOPOVER 40018 $5,361.92
GOOSE ROCK 40216 $5,370.68
VARNEY 40204 $5,386.56
BEAVER 40063 $5,395.69
LONE 40336 $5,403.58
PIPPA PASSES 40048 $5,405.19
FOSTER 41360 $5,454.16
HAZEL GREEN 40769 $5,473.57
KRYPTON 40319 $5,481.74
MYRA 40317 $5,481.74
PAINTSVILLE 40214 $5,492.25
MARTIN 40217 $5,576.62
BEDFORD 41421 $5,589.89
HAPPY 40322 $5,621.02
CANNEL CITY 40906 $5,639.34
JACKHORN 40472 $5,649.03
EASTERN 40202 $5,656.82
LOUISVILLE 41472 $5,659.53
OLYMPIA 41425 $5,660.64
NEON 40447 $5,710.98
FAIRFIELD 41173 $5,712.69
KETTLE ISLAND 40943 $5,716.87
PINEVILLE 40915 $5,720.32
HOLMES MILL 40734 $5,728.66
BIMBLE 40997 $5,730.05
INGRAM 40935 $5,732.12
GRAYSON 41171 $5,738.86
STONEY FORK 40953 $5,745.88
SANDY HOOK 40982 $5,774.24
CALVIN 40923 $5,777.40
SHEPHERDSVILLE 41352 $5,780.56
LOUISVILLE 41180 $5,783.69
HIMA 40755 $5,790.85
JONANCY 40387 $5,799.79
ZOE 40903 $5,804.58
TROSPER 40946 $5,812.18
WALKER 40988 $5,818.92
LOUISVILLE 40902 $5,819.75
VINCENT 40771 $5,822.49
GRAY 40995 $5,822.86
BEATTYVILLE 40913 $5,828.45
ARTEMUS 40958 $5,843.50
MIDDLESBORO 40939 $5,851.94
SCUDDY 40293 $5,858.05
WEBBVILLE 40965 $5,859.01
GREEN ROAD 40955 $5,861.08
LOUISA 40856 $5,862.30
WOODBINE 40949 $5,885.73
COALGOOD 40813 $5,895.91
BLUE RIVER 40316 $5,897.95
CANNON 40977 $5,904.11
LYNCH 40492 $5,946.96
BOSTON 41311 $5,947.28
LOUISVILLE 41408 $5,971.56
PROSPECT 41397 $5,999.91
MC DOWELL 40208 $6,029.45
STANFORD 41365 $6,040.14
LOVELY 40209 $6,061.89
SALYERSVILLE 40473 $6,077.52
BURNSIDE 41149 $6,133.23
BIG LAUREL 40481 $6,151.95
ANNVILLE 40845 $6,170.72
BARDSTOWN 41451 $6,179.15
LIBERTY 41301 $6,227.37
CURDSVILLE 41230 $6,231.98
KITE 40215 $6,254.11
HAZARD 40486 $6,288.30
MIRACLE 40932 $6,288.58
CORNETTSVILLE 40203 $6,301.45
PREMIUM 40402 $6,301.98
YOSEMITE 41201 $6,302.94
BROOKSVILLE 41232 $6,328.84
NEW HOPE 41364 $6,334.27
HUSTONVILLE 41314 $6,334.30
GULSTON 40830 $6,336.28
DEANE 40434 $6,340.98
CLERMONT 41264 $6,355.69
CLIFTY 41159 $6,357.58
FLAT LICK 40983 $6,367.66
RENFRO VALLEY 40870 $6,370.48
SULLIVAN 41160 $6,375.70
BLAINE 40815 $6,376.40
BAXTER 40810 $6,385.80
SANDGAP 40865 $6,385.90
LOUISVILLE 40873 $6,386.75
STRUNK 41124 $6,395.18
PUTNEY 40818 $6,398.53
MISTLETOE 40806 $6,401.47
CAWOOD 40820 $6,403.77
COLDIRON 40801 $6,404.70
QUINCY 41351 $6,405.30
BRONSTON 41310 $6,415.69
BLEDSOE 40819 $6,417.88
MC KINNEY 41386 $6,419.15
KINGS MOUNTAIN 41332 $6,419.93
TOTZ 40824 $6,421.60
PITTSBURG 40964 $6,438.92
ARJAY 40951 $6,444.22
HULEN 40863 $6,445.45
FINCHVILLE 41739 $6,463.64
VEST 40488 $6,472.22
ROGERS 40874 $6,473.12
LOWMANSVILLE 40843 $6,475.96
BERRY 41722 $6,486.44
FOURMILE 40941 $6,491.34
TYNER 40854 $6,493.20
BOONEVILLE 40831 $6,493.25
ULYSSES 40828 $6,493.27
WENDOVER 40211 $6,496.50
WELLINGTON 40962 $6,501.47
NERINX 41339 $6,503.19
GRAY HAWK 40829 $6,509.96
GUNLOCK 40210 $6,518.79
LOUISVILLE 40847 $6,519.13
WILDIE 40914 $6,520.11
WALLINS CREEK 40816 $6,522.42
LEBANON 41390 $6,524.78
GHENT 41413 $6,527.75
AUXIER 40212 $6,537.39
MAZIE 40823 $6,562.05
HEIDRICK 40927 $6,562.65
AGES BROOKSIDE 40807 $6,565.47
MIZE 40972 $6,575.13
HAMPTON 41776 $6,580.43
LOUISVILLE 40855 $6,580.55
WHITE MILLS 41764 $6,588.73
SONORA 41772 $6,602.85
CARLISLE 41701 $6,603.13
CLOVERPORT 41815 $6,639.75
CRANKS 40808 $6,643.40
SADIEVILLE 41838 $6,644.74
WEST LOUISVILLE 41465 $6,647.29
HUDSON 41825 $6,659.23
MALONE 40862 $6,659.57
REYNOLDS STATION 41843 $6,671.18
FALMOUTH 41517 $6,672.75
WADDY 41855 $6,679.27
MASONIC HOME 41348 $6,681.15
NEW LIBERTY 41719 $6,682.28
CRITTENDEN 41837 $6,687.30
GARFIELD 41840 $6,687.41
SEXTONS CREEK 40826 $6,687.57
FORT KNOX 41858 $6,689.08
HODGENVILLE 41835 $6,690.69
JETSON 41849 $6,697.34
LOUISVILLE 41713 $6,703.06
JEFFERSONVILLE 41812 $6,712.58
MOREHEAD 41749 $6,713.83
HARDINSBURG 41826 $6,713.95
CAMPTON 40858 $6,718.32
GRAHAM 41824 $6,719.81
BAYS 40803 $6,722.62
SCALF 40979 $6,722.71
ASHLAND 41845 $6,722.73
MILTON 41366 $6,724.65
PENDLETON 41560 $6,725.82
HILLSBORO 41538 $6,727.01
CRESTWOOD 41714 $6,733.92
SHELBYVILLE 41848 $6,736.41
WARSAW 41385 $6,741.25
RUSSELL SPRINGS 41751 $6,741.44
RINEYVILLE 41833 $6,746.86
FLATWOODS 41777 $6,747.29
SMITHLAND 41804 $6,747.56
MARION 41822 $6,749.06
MORGANTOWN 41832 $6,749.36
ISONVILLE 40868 $6,751.27
RICETOWN 40840 $6,758.65
SULPHUR 41712 $6,760.06
WESTPORT 41721 $6,761.63
HORSE CAVE 41821 $6,764.68
WEST POINT 41526 $6,765.47
EWING 41572 $6,765.53
KNIFLEY 41836 $6,766.15
DUNNVILLE 41562 $6,779.47
WEBSTER 41774 $6,780.76
PORT ROYAL 41557 $6,781.73
ALPHA 41317 $6,782.71
EASTVIEW 41819 $6,784.70
ALBANY 41537 $6,790.58
HARNED 41817 $6,791.02
DOVER 41729 $6,796.33
OWENTON 41347 $6,796.41
BATTLETOWN 41367 $6,796.59
LORETTO 41501 $6,806.96
MARTHA 40827 $6,807.61
GUSTON 41653 $6,807.63
LA GRANGE 41746 $6,813.38
SIMPSONVILLE 41754 $6,820.69
UPTON 41549 $6,820.84
RHODELIA 41607 $6,827.78
HOPE 41512 $6,829.09
IRVINGTON 41745 $6,835.49
CAMPBELLSBURG 41621 $6,839.21
SOUTH PORTSMOUTH 41563 $6,839.55
CLARKSON 41847 $6,847.52
GLENDALE 41760 $6,848.90
DRY RIDGE 41601 $6,851.51
CORINTH 41740 $6,853.65
SCIENCE HILL 41635 $6,855.78
RUSSELL 41759 $6,866.44
MAYSVILLE 41778 $6,867.32
LOUISVILLE 41743 $6,868.50
NANCY 41727 $6,875.70
GOSHEN 41640 $6,875.93
MOUNT OLIVET 41666 $6,879.31
EMINENCE 41766 $6,879.43
SPARTA 41216 $6,879.44
MIDDLEBURG 41514 $6,881.93
ELK HORN 41762 $6,883.69
BONNIEVILLE 41559 $6,886.72
LOCKPORT 41649 $6,887.02
BEVERLY 40944 $6,887.09
RADCLIFF 41828 $6,888.22
SANDERS 41240 $6,889.34
MAYSLICK 41723 $6,892.77
MOOREFIELD 41602 $6,895.47
MOUNT SHERMAN 41775 $6,896.30
BUCKNER 41632 $6,896.44
SALT LICK 41231 $6,898.45
MULDRAUGH 41647 $6,900.36
MONTICELLO 41250 $6,906.47
SOMERSET 41522 $6,910.54
UNION STAR 41834 $6,915.63
NEW HAVEN 41571 $6,919.99
WORTHINGTON 41731 $6,920.44
SUMMERSVILLE 41622 $6,921.79
CHAPLIN 41265 $6,923.05
JAMESTOWN 41645 $6,933.46
WAYNESBURG 41224 $6,934.00
SMITHFIELD 41773 $6,934.84
BETHLEHEM 41663 $6,935.79
CANMER 41659 $6,936.33
SHARPSBURG 41616 $6,937.49
MACKVILLE 41503 $6,939.69
HARDYVILLE 41642 $6,942.81
FAIRVIEW 41368 $6,944.78
RAYWICK 41222 $6,951.18
LOUISVILLE 41660 $6,952.48
SALEM 41763 $6,953.87
LOUISVILLE 41426 $6,955.11
FALL ROCK 40849 $6,956.64
MOUNT WASHINGTON 41256 $6,959.53
GERMANTOWN 41267 $6,959.85
MAGNOLIA 41605 $6,961.98
GLENCOE 41527 $6,966.23
LOUISVILLE 41619 $6,973.66
DE MOSSVILLE 41735 $6,975.24
WILLIAMSTOWN 41631 $6,975.95
BETHELRIDGE 41539 $6,976.95
SPRINGFIELD 41260 $6,978.25
MUSES MILLS 41725 $6,979.57
PAYNEVILLE 41615 $6,979.80
GLENS FORK 41839 $6,980.94
TATEVILLE 41238 $6,981.35
SOUTH SHORE 41548 $6,983.57
PLEASUREVILLE 41655 $6,985.80
CARROLLTON 41226 $6,986.92
EMERSON 41534 $6,987.27
CRAB ORCHARD 41263 $6,987.76
BUTLER 41561 $6,988.69
MARROWBONE 41630 $6,990.63
WINDSOR 41234 $6,991.51
HINKLE 40981 $7,000.10
BAGDAD 41831 $7,001.66
GLENVIEW 41268 $7,013.95
BUFFALO 41636 $7,016.79
BRADFORDSVILLE 41254 $7,017.53
PERRY PARK 41540 $7,018.15
JONESVILLE 41513 $7,018.75
MUNFORDVILLE 41604 $7,023.31
GREENUP 41603 $7,024.17
LEBANON JUNCTION 41464 $7,032.12
MAPLE MOUNT 41262 $7,036.98
BROOKS 41203 $7,038.10
SAINT CATHARINE 41204 $7,041.29
FLEMINGSBURG 41606 $7,045.52
BRANDENBURG 41651 $7,046.16
LOUISVILLE 41271 $7,047.37
WORTHVILLE 41219 $7,049.30
NEW CASTLE 41643 $7,049.95
WILLISBURG 41257 $7,053.62
CUB RUN 41667 $7,060.09
BIG CLIFTY 41844 $7,063.34
GRAVEL SWITCH 41255 $7,072.18
LOUISVILLE 41669 $7,076.79
MOUNT EDEN 41274 $7,090.70
PEWEE VALLEY 41612 $7,098.25
RUSH 41650 $7,102.07
MC DANIELS 41862 $7,107.14
TOLLESBORO 41554 $7,117.75
TAYLORSVILLE 41214 $7,125.42
BURKESVILLE 41555 $7,127.30
STEPHENSPORT 41859 $7,162.04
OWINGSVILLE 41564 $7,174.13
SOMERSET 41531 $7,177.02
CYNTHIANA 41810 $7,193.17
BREEDING 41861 $7,198.39
CLEARFIELD 41553 $7,220.98
FISHERVILLE 41544 $7,221.29
LOUISVILLE 41568 $7,228.16
TURNERS STATION 41543 $7,238.19
FERGUSON 41519 $7,238.28
BRODHEAD 41567 $7,244.84
VANCEBURG 41528 $7,245.89
EKRON 41547 $7,246.33
ARGILLITE 41566 $7,251.41
AUGUSTA 41535 $7,270.10
GARRISON 41524 $7,275.01
EUBANK 41558 $7,283.52
ADAMS 40844 $7,317.50
WALLINGFORD 41542 $7,400.56

Kentucky Car Insurance Companies

To say that there are more car insurance companies than you can probably count in the United States, would likely be an understatement.

All of these companies are out there and are fighting to gain your business. So trying to make your way through the crowd of eager providers can seem overwhelming.

That’s what we’re here for. We’ve gone through all of the data for the largest providers in the state of Kentucky to help you compare.

– The Largest Companies Financial Rating

Insurance companies want to know what your financial health is like, but did you know you can find out the same about them? There’s an independent rating agency, known as the A.M. Best Rating, that helps give you a glance into this very thing.

They basically give a grade to each insurance company, based on various financial factors. The higher the grade, the better that companies financial health.

Company Grade
State Farm Group A++
Kentucky Farm Bureau Group A
Progressive Group A+
Geico A++
Liberty Mutual Group A
Allstate Insurance Group A+
USAA Group A++
Nationwide Corp Group A+
Shelter Insurance Group A
State Auto Mutual Group A-

– Companies with Best Ratings

You want to make sure you are with an insurance provider with the very best ratings, right? Well, to try and find out who the best providers in each region were, J.D. Power conducted a study to find out that very thing.

They measured the overall satisfaction of all of the various insurance providers in every region across the nation. They then tallied up the absolute best-rated insurance companies in each region.

The Southeast region, which Kentucky falls under, had the following ratings:

Southeast Region JD Power 2019

– Kentucky Car Insurance Rates by Company

Cheapest Companies Rates Most Expensive Companies Rates
Privilege Underwriters Reciprocal Exchange
$672.13 Nationwide General Insurance Company
$3,539.75
American Select Insurance Company
$874.75 Nationwide Property and Casualty Insurance Company
$3,522.50
United Services Automobile Association
$912.75 Trexis One Insurance Corporation
$3,431.50
Erie Insurance Exchange
$946.88 Encompass Insurance Company of America
$3,185.88
USAA Casualty Insurance Company
$952.75 Amica Property and Casualty Insurance Company
$3,178.38
Auto-Owners Insurance Company
$958.63 Permanent General Assurance Corporation of Ohio
$3,134.00
Geico General Insurance Company
$1,081.50 Trexis Insurance Corporation
$3,110.25
Government Employees Insurance Company
$1,081.50 Nationwide Mutual Insurance Company
$3,100.88
State Farm Mutual Automobile Insurance Company
$1,104.50 Encompass Indemnity Company
$3,068.00
AIG Property Casualty Company
$1,133.38 American Hallmark Insurance Company of Texas
$2,803.88

– Commute Rates by Company

How far you commute on a regular basis may, depending on the insurance company, increase the amount of money you pay for your rates. That’s right, some companies will charge more for longer commutes.

Group 10 miles commute / 6,000 annual mileage 25 miles commute / 12,000 annual mileage
Allstate $7,143.92 $7,143.92
Travelers $6,551.68 $6,551.68
Liberty Mutual $5,930.97 $5,930.97
Progressive $5,547.63 $5,547.63
Nationwide $5,503.23 $5,503.23
GEICO $4,676.65 $4,590.52
State Farm $3,437.78 $3,270.85
USAA $3,006.15 $2,789.64

Fortunately for those in Kentucky, a majority of companies do not charge more for longer commutes.

– Coverage Level Rates by Company

How would you feel if we told you that you might be paying more for a lower coverage plan? Probably not very good, right? Well, depending on the insurance company, it could be true.

Group High Medium Low
Allstate $7,898.31 $7,101.39 $6,432.05
GEICO $4,993.86 $4,613.47 $4,293.44
Liberty Mutual $6,300.15 $5,887.57 $5,605.20
Nationwide $5,554.10 $5,529.57 $5,426.01
Progressive $6,113.49 $5,457.13 $5,072.27
State Farm $3,562.79 $3,347.83 $3,152.33
Travelers $6,869.14 $6,578.16 $6,207.73
USAA $3,043.04 $2,890.83 $2,759.80

As you can see from the table above, a low coverage plan with Allstate would cost you $6,432.05, while a high coverage plan with Geico would only cost you $4,993.86! That means you would be paying $1,438.199 more for a lower coverage plan.

So making sure that you compare insurance rates while you are shopping will help keep you from paying more for less.

– Credit History Rates by Company

You get to know insurance companies financial health through their A.M. Best Ratings, and companies are able to see yours through your credit history.

The better your credit history, the lower your insurance rates tend to be. This is because, just like you would trust a company with a higher financial health rating to help cover you, insurance companies feel the same way about you paying for your insurance policy.

Group Poor Fair Good
Allstate $9,533.35 $6,508.38 $5,390.03
GEICO $7,618.30 $3,803.71 $2,478.76
Liberty Mutual $8,498.13 $5,201.15 $4,093.63
Nationwide $6,719.07 $5,248.71 $4,541.89
Progressive $6,192.39 $5,408.23 $5,042.27
State Farm $4,832.88 $2,933.18 $2,296.89
Travelers $7,311.83 $6,182.66 $6,160.53
USAA $4,306.41 $2,416.87 $1,970.40

As you can see from the table above, just going from a fair credit history to a poor credit history alone can cost you thousands of dollars.

– Driving Record Rates by Company

Another way to help save you extra cash on your insurance is to have a clean driving record. The better of a driver you are, the lower your insurance rates tend to be.

Group With 1 DUI With 1 accident With 1 speeding violation Clean record
Allstate $8,260.64 $7,724.51 $6,679.30 $5,911.23
GEICO $7,467.13 $4,913.10 $3,387.81 $2,766.32
Liberty Mutual $7,618.06 $5,913.45 $5,254.67 $4,937.70
Nationwide $7,183.66 $5,662.92 $4,807.99 $4,358.34
Progressive $5,224.39 $6,816.16 $5,569.65 $4,580.31
State Farm $3,354.32 $3,629.62 $3,354.32 $3,079.02
Travelers $8,514.63 $5,868.49 $6,120.50 $5,703.08
USAA $3,693.72 $3,087.95 $2,627.86 $2,182.03

As you can see from the table above, just having one speeding violation on your record could result in hundreds of extra dollars you’d have to pay! Making sure to drive safely on the roads can definitely save you a bundle.

– Largest Car Insurance Companies in Kentucky

Company Name Direct Premiums Written Loss Ratio Market Share
State Farm Group $714,964 65.70% 23.59%
Kentucky Farm Bureau Group $566,603 75.94% 18.70%
Progressive Group $240,000 58.90% 7.92%
Geico $212,468 74.56% 7.01%
Liberty Mutual Group $206,822 59.60% 6.82%
Allstate Insurance Group $190,422 50.09% 6.28%
USAA Group $152,259 76.42% 5.02%
Nationwide Corp Group $88,331 57.90% 2.91%
Shelter Insurance Group $57,753 63.96% 1.91%
State Auto Mutual Group $56,056 72.38% 1.85%
State Total $3,030,463 67.00% 100.00%

– Number of Insurers

Did you know that there are technically only two types of insurance providers? That’s right, car insurance providers fall into one of two types of providers; Domestic and Foreign.

A domestic provider is an insurance provider who is only able to provide insurance coverage for the state in which they are located. An example of this would be a little local agency that is only found in Kentucky.

A foreign provider is an insurance provider who is able to provide insurance coverage for many states. Examples of foreign providers would be the larger insurance companies such as Geico or Allstate.

In Kentucky, there are currently seven domestic providers and 900 foreign providers listed. So you have many providers you can choose from.

Kentucky State Laws

In this section, we’ll move on to talk about the various state laws that are present in Kentucky. Laws regarding things such as car insurance, vehicle licensing, and more.

So keep reading to make sure you know all that you need to know about the state laws of Kentucky. The more you know, the more likely you are to avoid any costly tickets and fines.

– Car Insurance Laws

As car insurance is required in most states across the United States, each state has various laws regarding it.

We’ll take a closer look at some of these laws that you’ll want to make sure you adhere to in Kentucky.

– High-Risk Insurance

If you have a not-so-stellar driving record, you might be labeled as something known as a high-risk driver. This means that you’ll have a harder time finding insurance coverage, as companies will become wary of providing you with coverage.

But since it is legally required for you to have insurance coverage in Kentucky, what can you do? Well luckily, there’s a program available to help.

The program is called the Kentucky Automobile Insurance Plan (KAIP). Once you apply to and are accepted into this program, you are basically assigned to an insurance provider who will then be required to offer you coverage.

If you are out of options for insurance coverage, this may be your only hope. However, there is a catch to this. As you are assigned to this insurance provider, they can pretty much charge you whatever insurance rate they deem appropriate.

No matter how outrageous the price may seem, once you are in this program, you will have to accept whatever terms the provider offers you.

This is why this program is considered the last resort for high-risk drivers. It’s recommended that if you are able to find coverage outside of this program, even if it is a little pricey, that you take that coverage first.

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– Low-Cost Insurance

Most states in the nation do not offer any sort of low-cost government insurance plan, Kentucky included. This doesn’t mean, however, that you can’t save yourself a couple of bucks on your insurance plans.

Having a good credit history and clean driving record will definitely keep your insurance rates low, but there is more you can do to save some cash! Car insurance discounts are one of the most common ways to save even more cash.

There are so many different kinds of insurance discounts you could qualify for, such as the more common ones listed below:

Make sure you talk with your insurance provider, however, to see what additional discounts they offer.

– Windshield Coverage

A lot of states in the nation have very unique laws when it comes to windshield coverage. Kentucky, fortunately, is not one of them when it comes to repairs.

Adding windshield coverage onto your insurance policy is optional in Kentucky. Should this be a coverage type you would like to add to your policy, you are in lucky.

According to the Kentucky Department of Insurance, insurance providers are required to provide deductible- and fee-free windshield replacement for customers carrying comprehensive coverage.

If you have comprehensive coverage, you’ll be able to take advantage of this coverage option.

– Automobile Insurance Fraud in Kentucky

According to the Insurance Information Institute (III), approximately $30 billion is lost every year in insurance fraud. That’s a lot of money.

Due to this, insurance fraud is illegal across the nation.

The state of Kentucky, according to the Kentucky Insurance Fraud Statute (KRS Chapter 304.47), defines fraud in the following ways:

  • Fake accidents and disability
  • False applications and claims
  • Theft of insurance premium
  • Arson
  • False medical billing
  • Unauthorized insurance companies

They further elaborate that there are some “red flags” to help determine if insurance fraud is occurring such as:

  • No witness to an accident
  • Lengthy recovery period
  • Unusual medical treatment
  • Improperly issued insurance policies
  • Deceptive or misleading sales tactics
  • Cash transactions
  • Lack of cooperation
  • Excessive demands

If you ever need to report fraud, according to the Kentucky Department of Insurance you can submit information online by completing the Uniform Suspected Insurance Fraud Reporting Form.

If you prefer to submit written reports to the Division of Insurance Fraud Investigation by regular mail, please include a completed copy of the FD-1 Report Fraud Form.

If you are an insurer or agency, you will need to file a Fraud Reporting Form, which will then need to be submitted to the Division of Insurance Fraud Investigation.

Insurers and other agencies can also use the Department’s eServices web portal to electronically report suspected fraudulent insurance acts.

You can also contact the Department of Insurance:

  • 800-595-6053 (Toll-Free)
  • 502-564-3630 (Telephone)

– Statute of Limitations

If you are ever involved in a car accident, you will want to make sure you adhere to the statute of limitations in order to submit any claims for that accident.

The statute of limitations dictates the amount of time, in each state, that you have in order to bring submit a claim after an accident.

According to the state of Kentucky, you will have the following amount of time:

  • Personal Injuries: One year
  • Property Damage: Two years

– Vehicle Licensing Laws

In order to drive, as well as having car insurance, you are required to have vehicle licensing. Car registration, driver’s license, and more.

So keep reading to find out what Kentucky vehicle licensing laws you’ll need to follow.

– Real ID Act

According to Kentucky’s DMV, in October 2020, standard licenses will no longer meet federal REAL ID Act requirements for Kentuckians to board U.S. domestic flights or enter select federal facilities.

They state the following regarding this:

Kentucky has been working to come into compliance with the federal requirements, and in response, will begin offering two new versions of all identity credentials beginning in 2019. A phased, statewide rollout of the new credentials will start in early 2019 and end by spring. To learn more about the initiative, visit Confident Kentucky.

– Penalties for Driving Without Insurance

As we’ve mentioned previously, you are required to carry the minimum coverage for the state of Kentucky in order to legally drive. If you are caught driving without this coverage, you will be facing some of the following penalties:

Penalty First Offense Second Offense in Five Years
Fine $500-$1000 $1000-$2000
Imprisonment Up to 90 days (imprisonment may be in place of or in addition to the fine) Up to 180 days (imprisonment may be in place of or in addition to the fine)
Registration Registration will be revoked and license plates suspended for one year or until proof of insurance can be shown Registration will be revoked and license plates suspended for one year or until proof of insurance can be shown

– Teen Driver Laws

Teen drivers out there will want to make sure to follow a few rules and restrictions in order to gain their drivers licenses:

Restrictions Permit Intermediate License Unrestricted License
Age Minimum age 16 After having a permit for six months (minimum age 16 years six months). If convicted of a traffic offense, the teen must begin the six month period again After holding an intermediate license for six months (minimum age 17) or age 18
Hours of Driving Minimum 60 hours 10 of which must be at night Must have completed the permit requirement Must have completed the permit requirement
Time Cannot drive between 12:00 A.M. and 6:00 A.M without good cause Cannot drive between 12:00 A.M. and 6:00 A.M without good cause No restrictions
Passenger One unrelated passenger under 20 years old limit except when supervised by a driving training instructor One unrelated passenger under 20 years old limit except when supervised by a driving training instructor No restrictions

– License Renewal Procedures

License renewal procedures in Kentucky, according to the Insurance Institute for Highway Safety (IIHS), look like the following:

License Renewal Procedures in Kentucky General Population Older Population
Licence Renewal Cycle 8 years 8 years
Proof of Adequate Vision no no
Mail or Online Renewal? no no

In addition, according to the Insurance Institute for Highway Safety (IIHS):

In Kentucky, “in order to accommodate the transition from a four-year licensing schedule to an eight year licensing schedule, the Transportation Cabinet may renew operator’s licenses with terms of both four and eight years until January 2023.”

– New Residents

If you are looking to make Kentucky your home, you will want to make sure you follow the following guidelines according to Kentucky’s DMV:

  • New residents in Kentucky have 30 days to get a Kentucky license. (According to KRS 186.020, new residents will also need to fill out an application for registration within 15 days in the county in which the person resides)
  • To get a license, you must be a U.S. citizen or permanent resident.
  • You will need to bring your out-of-state license and social security card to the Circuit Court Clerk’s office (photocopies are not accepted). If your name is different than that on your birth certificate, you may need to show a marriage license or court-ordered name change.
  • Those under age 18 must present a School Compliance Verification Form signed by the out-of-state school.
  • Out-of-state permit holders must transfer their permit to Kentucky before applying for a license.

– Rules of the Road

We’re not done with state laws just yet! We’ve gone over car insurance and vehicle licensing, but what other kinds of state laws are you going to want to be aware of?

In this section, we’ll talk about some of the rules of the road to follow in Kentucky.

– Fault vs. No-Fault

We mentioned in an earlier section that Kentucky is a “no-fault” state.

This means that regardless of who is at fault for an accident, you will have to rely on your own insurance coverage to pay for any injuries/property damage as a result of that accident.

So making sure that you have at least the minimum coverage will help to ensure that you aren’t left out high and dry if you are ever involved in an accident.

– Keep Right and Move Over Laws

There are at least two laws that are extremely simple to follow; keep right and move over laws. What are you to do for these laws?

Well, in Kentucky, you are required to drive in the right lane. The exception is if you are passing or turning left.

Move over laws are just as easy! If you are driving and see a vehicle with flashing lights, you will be required to move to another lane. Simple right?

If you aren’t able to safely move to another lane, you’ll then need to slow down and use caution while passing emergency vehicles.

– Speed Limits

Speed limits help to ensure that all drivers are safe on the road! If you are driving too fast on a particular type of road, you could end up in an accident!

In Kentucky, you will want to adhere to the following speed limits according to the Insurance Institute for Highway Safety (IIHS):

  • Rural Interstates: 65 mph; 70 mph on specified segments of road
  • Urban Interstates: 65 mph
  • Limited Access Roads: 65 mph
  • All Other Roads: 55 mph

– Seat belt and Car Seat Laws

Kentucky requires the following car seat and seat belt laws according to the Insurance Institute for Highway Safety (IIHS):

Kentucky's Child Safety Laws Fines Car Seat Adult Belt Additional Fines
Who is covered?
In what seats?
Maximum base fine 1st offense, additional fees may apply Must be in
child safety seat
Adult belt permissible Maximum base fine 1st offense, additional fees may apply
7 and younger and more than 57 inches in all seats; 8+ in all seats $25 40 inches or less in a child restraint; 7 and younger who are between 40 and 57 inches tall in a booster seat taller than 57 inches $50 child restraint; $30 booster seat

– Ridesharing

It’s pretty hard nowadays to have not at least heard of ridesharing services such as Uber or Lyft. They’ve grown in popularity not just for riders needing a quick and convenient lift, but also for those drivers out there looking to make some extra cash.

If you are one such driver looking to work for a ridesharing service, you will want to make sure that you have the minimum coverage required for that state.

Just as a reminder, here are the minimum coverage requirements for Kentucky:

  • $25,000 –for the payment of any bodily injuries for one person incurred during an accident
  • $50,000 – for the payment of any bodily injuries of multiple people incurred during an accident
  • $25,000 – for the payment of any property damage incurred during an accident
  • $10,000 – for the payment of your own personal injury protection (PIP)
  • $25,000/$50,000 – for the payment of protection against uninsured/underinsured drivers

In addition to this, some of these ridesharing services will require that you carry an additional coverage type known as ridesharing insurance.

The following companies offer this coverage type in Kentucky:

  • Geico
  • Allstate
  • Erie Insurance
  • USAA
  • State Farm

– Safety Laws

We want to make sure that you are as safe as possible while out cruising on the roads of Kentucky, which is why we will now discuss a few of the safety laws you’ll want to know.

– DUI Laws

Drinking and driving has become an issue nationwide.

The issue is such a problem in Kentucky that the state has been ranked as the 11th most dangerous state for drunk driving!

Due to this, Kentucky has been trying to crack down on drinking and driving. If you are caught drinking and driving in Kentucky, you could be facing some of the following consequences:

Penalty First Offense Second Offense Third Offense Fourth Offense
Suspended License 30-120 days 12-18 months 24-36 months 60 months
Imprisonment 2-30 days 7 days-6 months 30 days-12 months Minimum 120 days without probation
Fine $200-$500 $350-$500 $500-$1000 n/a
Program Attendance 90 days of alcohol or substance abuse program 1 year alcohol or substance abuse treatment 1 year alcohol or substance abuse treatment 1 year alcohol or substance abuse treatment
Community Service Possible 48 hours-30 days of community labor 10 days-6 months community labor 10 days-12 months community labor n/a
Mandatory Ignition Interlock Device No (Yes if BAC is over 0.15) Yes Yes Yes

– Marijuana-Impaired Driving Laws

Many states have been legalizing marijuana, calling into question what kinds of driving-related laws should be enacted because of this?

Well, currently Kentucky doesn’t have any marijuana-specific drugged driving laws. This doesn’t, however, mean that you are off the hook for having marijuana altogether.

The substance is still fully illegal in Kentucky, so even having it at all will land you in trouble.

– Distracted Driving Laws

Ever since the dawn of the cellphone age, the number of accidents and fatalities due to distracted driving has skyrocketed.

Due to this, most states have cracked down on the use of handheld devices, such as cellphone, while driving.

In Kentucky, drivers under the age of 18 are now allowed to use a handheld electronic device while driving. Those individuals over the age of 18 are allowed to talk on a cell phone, but you are banned from texting.

It’s not all bad news for you though! You could actually save some extra cash on your insurance policy if you join a No Texting and Driving Pledge! This is easy cash to save since you’re legally not allowed to text and drive anyway.

KENTUCKY CAN’T-MISS FACTS

In this final section, we’ll dive deeper into some of the facts and statistics you absolutely need to know before driving in Kentucky.

– Vehicle Theft in Kentucky

In the state of Kentucky, it’s been found that the following vehicles are more prone to theft than any other in the state:

City Motor Vehicle Thefts
Louisville Metro 2,025
Lexington 831
Covington 158
Bowling Green 125
Owensboro 106
Shively 77
Florence 73
Frankfort 59
Henderson 59
Newport 56

According to a study conducted by the FBI, the following vehicle theft rates were round in each city across Kentucky:

City Population Motor
vehicle
thefts
Adairville 840 0
Albany 2,032 0
Alexandria 8,683 5
Anchorage 2,391 2
Ashland 21,432 36
Auburn 1,330 1
Audubon Park 1,496 5
Barbourville 3,139 2
Bardstown 12,916 6
Bardwell 711 0
Beattyville 1,269 3
Beaver Dam 3,527 4
Bellevue 5,918 9
Benham 484 0
Benton 4,407 1
Berea 14,331 11
Bloomfield 858 1
Bowling Green 61,130 125
Brandenburg 2,867 1
Brownsville 829 1
Burkesville 1,526 1
Burnside 828 1
Cadiz 2,624 1
Calvert City 2,540 1
Campbellsville 10,804 6
Carlisle 1,956 2
Carrollton 3,966 2
Catlettsburg 1,829 2
Cave City 2,283 1
Central City 5,891 0
Clarkson 886 1
Clay 1,180 0
Clay City 1,062 1
Cloverport 1,159 0
Coal Run Village 1,678 1
Cold Spring 6,194 2
Columbia 4,490 2
Corbin 7,257 10
Covington 40,766 158
Cumberland 2,151 1
Cynthiana 6,305 10
Danville 16,388 17
Dawson Springs 2,753 1
Dayton 5,368 9
Earlington 1,407 0
Eddyville 2,578 0
Edgewood 8,679 4
Edmonton 1,569 0
Elizabethtown 29,470 25
Elkton 2,211 0
Elsmere 8,478 7
Eminence 2,478 1
Erlanger 18,432 33
Evarts 939 0
Falmouth 2,137 2
Ferguson 948 0
Flatwoods 7,412 6
Flemingsburg 2,702 4
Florence 31,434 73
Fort Mitchell 8,240 9
Fort Thomas 16,227 10
Fort Wright 5,703 9
Frankfort 27,680 59
Franklin 8,581 5
Fulton 2,310 3
Gamaliel 369 0
Georgetown 30,611 38
Glasgow 14,117 14
Graymoor-Devondale 2,914 3
Grayson 4,082 2
Greensburg 2,180 1
Greenup 1,176 0
Greenville 4,415 0
Guthrie 1,442 2
Hardinsburg 2,343 0
Harlan 1,677 3
Harrodsburg 8,301 5
Hartford 2,712 2
Hawesville 1,000 0
Hazard 5,455 12
Henderson 28,952 59
Heritage Creek 1,099 0
Highland Heights 6,938 1
Hillview 9,465 6
Hodgenville 3,228 1
Hopkinsville 33,253 38
Hurstbourne Acres 1,847 0
Independence 25,937 8
Indian Hills 2,918 2
Irvine 2,431 0
Irvington 1,193 2
Jackson 2,168 2
Jamestown 1,790 0
Jeffersontown 27,017 46
Jenkins 2,131 0
La Grange 8,277 11
Lakeside Park-Crestview Hills 5,881 6
Lancaster 3,429 2
Lawrenceburg 11,080 6
Lebanon 5,649 4
Lebanon Junction 1,861 2
Leitchfield 6,814 7
Lewisburg 801 0
Lewisport 1,701 0
Lexington 308,712 831
Liberty 2,196 3
London 6,067 13
Louisa 2,465 1
Louisville Metro 671,120 2,025
Loyall 664 0
Ludlow 4,536 9
Lynnview 928 0
Madisonville 19,761 17
Manchester 1,425 4
Marion 3,021 3
Martin 620 0
Mayfield 10,141 6
Maysville 9,024 12
McKee 784 0
Meadow Vale 748 0
Middlesboro 9,953 16
Monticello 6,189 5
Morehead 6,864 6
Morganfield 3,242 1
Morgantown 2,469 4
Mortons Gap 859 0
Mount Sterling 7,023 16
Mount Vernon 2,469 3
Mount Washington 9,377 5
Muldraugh 1,092 3
Munfordville 1,635 0
Murray 18,048 12
New Haven 875 0
Newport 15,425 56
Nicholasville 28,497 37
Northfield 1,040 0
Oak Grove 7,638 13
Olive Hill 1,574 1
Owensboro 58,304 106
Owenton 1,540 2
Owingsville 1,553 1
Paducah 25,064 45
Paintsville 4,123 1
Paris 9,752 11
Park Hills 2,993 2
Pembroke 903 0
Perryville 756 0
Pewee Valley 1,486 0
Pikeville 6,870 14
Pineville 1,834 2
Pioneer Village 496 1
Powderly 736 2
Prestonsburg 3,210 7
Princeton 6,293 3
Prospect 4,818 0
Providence 3,171 4
Raceland 2,377 0
Radcliff 23,177 22
Ravenna 595 1
Richmond 32,333 50
Russell 3,319 0
Russell Springs 2,455 1
Russellville 6,949 13
Salyersville 1,831 0
Science Hill 698 0
Scottsville 4,310 3
Shelbyville 14,743 12
Shepherdsville 11,534 32
Shively 15,511 77
Silver Grove 1,108 1
Simpsonville 2,608 0
Smiths Grove 723 0
Somerset 11,352 18
Southgate 3,806 3
South Shore 1,115 0
Springfield 2,577 4
Stanford 3,689 8
Stanton 2,697 0
St. Matthews 17,768 13
Strathmoor Village 658 0
Sturgis 1,888 0
Taylor Mill 6,670 4
Taylorsville 782 1
Tompkinsville 2,311 3
Trenton 392 0
Uniontown 983 1
Vanceburg 1,466 2
Versailles 8,881 22
Villa Hills 7,362 3
Vine Grove 5,298 1
Warsaw 1,655 0
Wayland 419 0
West Buechel 1,255 10
West Liberty 3,385 0
West Point 766 2
Wheelwright 771 0
Whitesburg 2,060 0
Wilder 3,045 4
Williamsburg 5,258 6
Williamstown 3,887 6
Wilmore 3,804 1
Winchester 18,478 35
Worthington 1,592 0

– Dangers on the Road in Kentucky

One of the worst things that can happen as a result of an accident is a fatality. It’s devastating for everyone involved. The statistics about the dangers of the roads, however, can be important to know.

Our hope is that by knowing these statistics, it will help ensure that you will make the safest decisions while out on the road!

According to the National Highway Traffic Safety Administration (NHTSA), Kentucky has the following road danger statistics.

– Fatal Crashes by Weather Condition and Light Condition 

Weather Condition Daylight Dark, but Lighted Dark Dawn or Dusk Other / Unknown Total
Normal 324 66 192 24 0 606
Rain 50 11 29 6 0 96
Snow/Sleet 7 0 0 0 0 7
Other 0 1 8 1 0 10
Unknown 0 1 1 0 0 2
TOTAL 381 79 230 31 0 721

– Traffic Fatalities

City/Area Total Killed (Pedestrian and Vehicle Occupants) Fatality Rate per 100,000 Population
Louisville/Jefferson County Metro 87 14.12%
Lexington-Fayette Urban County 50 15.7%

– Fatalities by Road Type

Type of Roadway 2013 2014 2015 2016 2017
Rural 494 517 593 607 510
Urban 144 155 168 226 271

– Fatalities by Person Type

Occupant/Non-Occupant 2013 2014 2015 2016 2017
Passenger Car 269 278 314 353 326
Light Truck - Pickup 92 115 120 116 126
Light Truck - Utility 84 84 99 88 90
Light Truck - Van 20 21 25 32 32
Large Truck 10 9 9 16 10
Other/Unknown Occupants 15 17 24 23 15
Light Truck - Other 0 0 0 0 1
Total Occupants 490 524 591 628 600
Total Motorcyclists 87 86 91 111 90
Pedestrian 55 57 67 81 83
Bicyclist and Other Cyclist 3 4 7 9 7
Other/Unknown Nonoccupants 3 1 5 5 2
Total Nonoccupants 61 62 79 95 92
Grand Total 638 672 761 834 782

– Fatalities by Crash Type

Crash Type 2013 2014 2015 2016 2017
Total Fatalities (All Crashes)* 638 672 761 834 782
Single Vehicle 355 395 400 451 413
Involving a Large Truck 78 68 81 100 89
Involving Speeding 125 125 140 138 138
Involving a Rollover 157 200 229 216 203
Involving a Roadway Departure 410 456 499 529 472
Involving an Intersection (or Intersection Related) 116 119 122 152 179

– Five-Year Trend For The Top 10 Counties

2017 Ranking Kentucky Counties 2013 2014 2015 2016 2017 2017
1 Jefferson County 88 78 85 99 107 14
2 Fayette County 18 28 27 50 35 4
3 Warren County 18 17 13 23 26 3
4 Boone County 9 5 15 14 19 2
5 Laurel County 13 10 8 11 18 2
6 Kenton County 5 9 17 9 17 2
7 Hardin County 20 16 22 16 16 2
8 Nelson County 8 5 15 13 14 2
9 Muhlenberg County 6 2 2 6 12 2
10 Pike County 20 21 14 16 12 2
Sub Total 1.* Top Ten Counties 223 220 246 284 276 35
Sub Total 2.** All Other Counties 415 452 515 550 506 65
Total All Counties 638 672 761 834 782 100

– Fatalities Involving Speeding by County

Kentucky County 2013 2014 2015 2016 2017
Adair 1 2 1 0 2
Allen 1 0 1 2 0
Anderson 0 0 0 0 0
Ballard 0 0 0 0 1
Barren 6 1 1 0 2
Bath 0 0 2 0 0
Bell 1 0 0 0 3
Boone 4 3 3 4 3
Bourbon 1 2 5 2 1
Boyd 0 0 3 0 0
Boyle 0 2 2 0 1
Bracken 0 0 1 0 0
Breathitt 0 2 0 1 1
Breckinridge 0 3 1 0 0
Bullitt 0 3 3 2 3
Butler 0 1 0 0 1
Caldwell 0 0 1 0 1
Calloway 5 2 0 2 1
Campbell 1 0 1 6 0
Carlisle 1 0 0 0 1
Carroll 0 1 0 0 0
Carter 0 1 3 1 2
Casey 1 0 0 0 1
Christian 6 4 3 4 0
Clark 0 0 0 1 2
Clay 1 2 2 1 0
Clinton 1 1 0 0 1
Crittenden 0 1 0 1 0
Cumberland 0 0 0 0 1
Daviess 0 1 2 4 4
Edmonson 0 0 0 0 2
Elliott 0 0 0 0 0
Estill 0 0 0 0 0
Fayette 3 7 3 11 8
Fleming 0 0 0 1 0
Floyd 3 1 1 0 5
Franklin 1 0 0 0 2
Fulton 0 3 0 0 0
Gallatin 0 0 0 0 2
Garrard 0 0 0 0 0
Grant 0 0 1 0 0
Graves 2 2 5 2 0
Grayson 1 1 0 1 1
Green 1 0 0 0 0
Greenup 0 3 0 1 0
Hancock 0 1 0 1 0
Hardin 3 5 5 1 2
Harlan 0 0 0 1 0
Harrison 1 1 0 1 0
Hart 1 0 2 3 0
Henderson 1 1 1 1 0
Henry 2 1 1 0 0
Hickman 0 1 0 0 0
Hopkins 1 1 4 3 1
Jackson 1 0 0 0 1
Jefferson 18 21 13 21 28
Jessamine 1 0 0 2 1
Johnson 1 0 1 0 0
Kenton 1 2 4 0 0
Knott 0 0 0 0 0
Knox 1 1 3 1 0
Larue 1 0 0 0 0
Laurel 3 3 1 2 3
Lawrence 1 1 0 0 0
Lee 0 0 0 0 0
Leslie 0 0 0 0 1
Letcher 0 0 0 1 0
Lewis 1 0 2 3 1
Lincoln 0 0 0 0 3
Livingston 1 0 1 2 0
Logan 5 1 0 0 0
Lyon 0 0 1 1 2
Madison 2 1 3 3 2
Magoffin 0 1 1 1 2
Marion 0 0 1 1 1
Marshall 0 2 1 1 1
Martin 0 0 0 0 0
Mason 2 0 0 1 1
Mccracken 0 2 5 2 2
Mccreary 1 1 2 0 0
Mclean 0 0 0 2 1
Meade 1 2 4 1 1
Menifee 0 0 0 0 0
Mercer 1 0 0 1 0
Metcalfe 1 0 0 0 0
Monroe 0 0 0 0 0
Montgomery 0 0 1 0 1
Morgan 1 0 0 0 0
Muhlenberg 1 0 0 2 0
Nelson 3 0 5 3 4
Nicholas 0 0 0 1 1
Ohio 1 2 0 1 0
Oldham 1 3 0 0 0
Owen 0 1 0 2 2
Owsley 0 1 0 0 0
Pendleton 1 0 0 0 0
Perry 0 1 1 4 2
Pike 8 3 4 2 2
Powell 0 1 1 1 0
Pulaski 3 0 1 2 1
Robertson 0 0 0 0 0
Rockcastle 0 0 1 1 2
Rowan 1 1 1 1 1
Russell 1 1 1 0 0
Scott 1 4 2 0 1
Shelby 2 0 0 0 1
Simpson 1 0 1 1 0
Spencer 0 0 0 1 1
Taylor 0 1 2 0 2
Todd 0 0 2 0 0
Trigg 0 0 1 0 2
Trimble 0 0 0 0 1
Union 0 0 0 3 0
Warren 3 2 0 4 3
Washington 0 1 1 0 1
Wayne 0 0 6 2 0
Webster 0 2 0 0 0
Whitley 2 1 5 2 4
Wolfe 1 0 1 1 0
Woodford 1 2 2 0 0

– Fatalities in Crashes Involving an Alcohol-Impaired Driver (BAC = .08+) by County

County Name 2015 2016 2017 County Name 2015 2016 2017
Lyon County 2 0 2 Jefferson County 27 20 26
Owen County 1 1 2 Muhlenberg County 0 1 1
Mccreary County 1 1 3 Marshall County 0 1 1
Fulton County 1 0 1 Warren County 2 4 4
Adair County 0 1 3 Christian County 2 5 2
Jackson County 0 1 2 Greenup County 1 0 1
Trigg County 0 1 2 Clark County 2 0 1
Pendleton County 0 0 2 Floyd County 3 2 1
Elliott County 0 0 1 Calloway County 0 3 1
Casey County 2 2 2 Boone County 1 5 3
Rowan County 0 2 3 Barren County 2 1 1
Trimble County 0 0 1 Madison County 6 4 2
Laurel County 2 1 7 Nelson County 5 2 1
Russell County 1 1 2 Shelby County 1 4 1
Simpson County 1 0 2 Hardin County 5 1 1
Mclean County 1 0 1 Anderson County 0 1 0
Meade County 4 4 3 Ballard County 0 0 0
Bourbon County 0 1 2 Bracken County 2 0 0
Allen County 2 3 2 Breckinridge County 1 0 0
Mercer County 1 0 2 Butler County 0 1 0
Green County 1 0 1 Caldwell County 0 0 0
Letcher County 0 0 2 Carlisle County 0 0 0
Martin County 1 0 1 Carroll County 1 0 0
Washington County 2 1 1 Clinton County 0 0 0
Edmonson County 0 0 1 Crittenden County 1 0 0
Lincoln County 3 0 2 Cumberland County 1 0 0
Todd County 2 0 1 Gallatin County 2 1 0
Bath County 2 1 1 Garrard County 2 0 0
Magoffin County 0 1 1 Grant County 1 0 0
Franklin County 0 0 4 Hancock County 0 0 0
Breathitt County 0 1 1 Harlan County 1 1 0
Grayson County 4 2 2 Harrison County 0 0 0
Morgan County 0 0 1 Hart County 2 5 0
Bell County 3 1 2 Henderson County 2 0 0
Carter County 3 1 2 Hickman County 0 0 0
Larue County 0 0 1 Jessamine County 2 3 0
Estill County 1 0 1 Johnson County 0 0 0
Fleming County 0 3 1 Knox County 2 0 0
Union County 0 4 1 Lee County 0 0 0
Boyle County 1 0 2 Leslie County 0 0 0
Knott County 0 2 1 Lewis County 2 3 0
Lawrence County 0 0 1 Livingston County 3 0 0
Henry County 0 2 1 Logan County 0 0 0
Rockcastle County 0 0 1 Marion County 1 2 0
Mason County 0 0 1 Mccracken County 2 0 0
Whitley County 3 5 2 Menifee County 0 3 0
Spencer County 1 0 1 Metcalfe County 0 1 0
Graves County 4 5 2 Monroe County 1 0 0
Pike County 6 2 3 Montgomery County 2 0 0
Bullitt County 3 3 4 Nicholas County 0 0 0
Daviess County 0 4 5 Oldham County 0 1 0
Clay County 4 0 1 Owsley County 1 2 0
Pulaski County 3 3 3 Powell County 1 1 0
Hopkins County 0 0 2 Robertson County 0 0 0
Campbell County 4 3 4 Scott County 2 2 0
Kenton County 6 1 7 Taylor County 1 0 0
Boyd County 0 0 2 Wayne County 1 1 0
Ohio County 0 1 1 Webster County 2 0 0
Perry County 3 6 1 Wolfe County 1 2 0
Fayette County 8 13 12 Woodford County 1 1 0

– EMS Response Time

Population Density Time of Crash to EMS
Notification
EMS Notification to
EMS Arrival
EMS Arrival at Scene
to Hospital Arrival
Time of Crash to Hospital
Arrival
Urban 4 12 37.56 49.51
Rural 4.2 11.58 37.56 49.51

– Transportation 

Lastly, we’ll provide you with some of the transportation statistics in Kentucky.

– Car Ownership

According to USA Data, the average Kentucky citizens own two vehicles per household.

Car Ownership Kentucky

– Commute Time

On average, the normal commute for most citizens across the nation, according to Data USA, is approximately 25.5 minutes. In Kentucky, the average commute time is 22.4 minutes.

This means that Kentucky spends, on average, less time in traffic than other citizens across the nation.

Commute Time Kentucky

– Commuter Transportation

On average, according to USA Data, most people prefer to drive alone while commuting. This statistic is absolutely true for the citizens of Kentucky, who prefer to drive alone at a whopping 82 percent.

Commuter Transportation Kentucky

– Top Cities for Traffic Congestion

One of the most frustrating parts of driving on the road is getting stuck in traffic.

What exactly kind of traffic congestion can you expect to find in Kentucky?

According to the INRIX Scorecard for traffic congestion, the following cities made the list:

INRIX Scorecard City 2018 IMPACT RANK (2017) HOURS LOST IN CONGESTION YEAR OVER YEAR CHANGE COST OF CONGESTION (PER DRIVER) INNER CITY TRAVEL TIME (MINUTES) INNER CITY LAST MILE SPEED (MPH)
Lexington, KY 148 (150) 79 (149) -7% $1,108 4 14
Louisville, KY 194 (183) 53 (192) 6% $734 5 13

TomTom has the following data on Louisville, KY:

TomTom Congestion City World Ranking Congestion Level Extra Travel Time Morning / Evening Peak
Highways / Non-highways
Louisville, KY 347 16% +7 min
per 30 min trip
in the morning
+12 min
per 30 min trip
in the evening
Morning: 23%
Evening: 39%
Highways: 7%
Non-Highways: 23%

On Numbeo, there was no data for either city.

Congratulations, you’ve made it to the end of this guide! We hope that this comprehensive guide provided you with all of the information that you’ll need to make a sound decision for your car insurance needs.

Don’t forget to use our FREE online tool if you’re ready to start comparing insurance rates today.

References:
  1. https://drivinglaws.aaa.com/tag/liability-laws/
  2. https://drive.ky.gov/Motor-Vehicle-Licensing/Pages/Mandatory-Insurance.aspx
  3. http://www.calculatorpro.com/calculator/insurance-cost-calculator/
  4. https://www.naic.org/
  5. https://www.jdpower.com/business/press-releases/2019-us-auto-insurance-study
  6. https://kyinsplans.org/auto/
  7. https://www.carinsurancecomparison.com/what-is-an-anti-lock-brakes-discount
  8. http://www.carwindshields.info/states
  9. http://insurance.ky.gov/ppc/default.aspx
  10. https://www.iii.org/article/background-on-insurance-fraud
  11. http://insurance.ky.gov/ppc/Documents/FraudBrochure060210.pdf
  12. http://insurance.ky.gov/ppc/Fraud/Referral.aspx
  13. http://insurance.ky.gov/ppc/Documents/NAIC_Rep_Form_Oct_03.doc
  14. https://insurance.ky.gov/eservices/default.aspx
  15. https://apps.legislature.ky.gov/lrcsearch
  16. https://drive.ky.gov/driver-licensing/Pages/Drivers-License-and-ID-Card.aspx
  17. https://drive.ky.gov/ConfidentKY
  18. https://www.iihs.org/
  19. http://kslegislature.org/li_2012/b2011_12/statute/008_000_0000_chapter/008_015_0000_article/008_015_0014_section/008_015_0014_k/
  20. https://kentuckystatepolice.org/hq-7-26-18-3/
  21. https://www.iihs.org/iihs/topics/laws/speedlimits
  22. https://www.iihs.org/topics/seat-belts/seat-belt-law-table
  23. https://www.iihs.org/iihs/topics/laws/cellphonelaws
  24. https://ucr.fbi.gov/crime-in-the-u.s/2013/crime-in-the-u.s.-2013/tables/table-8/table-8-state-cuts/table_8_offenses_known_to_law_enforcement_kentucky_by_city_2013.xls
  25. https://cdan.nhtsa.gov/STSI.htm#
  26. https://datausa.io/profile/geo/kentucky/#category_transportation
  27. http://inrix.com/scorecard/
  28. https://www.tomtom.com/en_gb/traffic-index/ranking/?country=CA,MX,US
  29. https://www.numbeo.com/traffic/region_rankings.jsp?title=2019&region=021

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