Kentucky Auto Insurance [Rates + Cheap Coverage Guide]

FREE Car Insurance Comparison

 Secured with SHA-256 Encryption

Compare quotes from the top car insurance companies and save!

Kentucky Statistics SummaryDetails
Miles of Roadway79,857
Miles Driven in the State48,675 million
Registered Vehicles4,040,964
Motor Vehicle Thefts7,782
Population4,468,402
Most Popular VehicleFord F-150
Uninsured Motorist Rate11.5%
Total Driving-Related Deaths in 2018782
Speeding Fatalities in 2018138
DUI Fatalities in 2018181
Average Annual Car Insurance CostLiability: $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$33,237.002.76%$904.99$31,951.002.83%$888.46$32,202.002.76%

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 TypeKentucky AverageNationwide 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 Insurance201320142015
Uninsured/Underinsured Motorist Coverage75.7477.8776.48
Personal Injury Protection74.8874.6576.70
Medical Payments (MedPay)57.1765.0368.27

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.

CompanyMarried 35-year old femaleMarried 35-year old maleMarried 60-year old femaleMarried 60-year old maleSingle 17-year old femaleSingle 17-year old maleSingle 25-year old femaleSingle 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

CityZipcodeAverage
HICKORY42303$3,562.72
MORTONS GAP42301$3,571.06
SILER41042$3,667.47
JUNCTION CITY42104$3,669.25
SUMMER SHADE42101$3,691.47
MOUNT STERLING42103$3,701.92
FORT KNOX41075$3,704.38
FARMERS41017$3,708.93
LOUISVILLE41073$3,717.46
SLADE41076$3,732.13
TOMPKINSVILLE42274$3,743.65
WASHINGTON41051$3,746.40
WEST LIBERTY41005$3,753.36
WILLIAMSBURG41018$3,759.97
CERULEAN42376$3,763.32
MEANS41071$3,770.88
MASON41048$3,772.80
SLAUGHTERS42355$3,773.20
KNOB LICK42122$3,780.86
WEST SOMERSET41074$3,782.52
FAIRDALE41085$3,788.09
PLUMMERS LANDING41080$3,789.43
LOUISVILLE41015$3,796.57
MINERVA41091$3,805.01
GIRDLER41001$3,816.37
LEXINGTON42366$3,822.12
RAVENNA41007$3,833.22
LONDON41063$3,846.10
KEAVY41059$3,846.51
HAZEL42420$3,848.00
CLAY CITY41094$3,848.93
RUMSEY42220$3,865.38
ELLIOTTVILLE41016$3,874.06
ELKFORK41011$3,878.25
GRAYS KNOB40515$3,880.91
LOUISVILLE41014$3,881.80
LOVELACEVILLE42276$3,888.10
BENHAM40504$3,888.88
VERONA42451$3,889.73
LOUISVILLE40514$3,897.33
CRAYNE42159$3,901.18
BOAZ42240$3,903.31
CROCKETT40508$3,917.61
HOLLAND42286$3,917.94
KENVIR40513$3,918.42
LEXINGTON42458$3,923.21
WICKLIFFE42170$3,925.36
ONEIDA40503$3,929.30
HARRODSBURG42141$3,931.08
EVARTS40536$3,933.04
HARLAN40546$3,933.04
LOUISVILLE40526$3,933.04
CHAPPELL40510$3,935.07
ROXANA40383$3,941.64
HERNDON42452$3,945.39
MILLSTONE40475$3,947.96
MANCHESTER40517$3,949.27
PRINCETON42266$3,953.09
ARLINGTON42202$3,960.86
MILLWOOD42171$3,962.21
HARDIN42378$3,963.22
LOUISVILLE40507$3,963.32
BIG CREEK40511$3,964.40
EDDYVILLE42223$3,966.00
WHICK40509$3,977.25
PRESTONSBURG40324$3,977.83
EARLINGTON42204$3,979.63
KUTTAWA42265$3,984.43
CLOSPLINT40505$3,996.03
BURGIN42254$4,000.64
COLUMBUS42234$4,001.09
JACKSON40516$4,002.14
DANVILLE42071$4,005.72
NORTONVILLE42236$4,008.78
MITCHELLSBURG41092$4,023.61
SAINT CHARLES42262$4,027.22
ROBINSON CREEK40390$4,027.58
NEBO42160$4,029.00
PARIS42232$4,029.96
ROARK40403$4,034.67
BELTON42025$4,035.86
AUBURN42406$4,036.11
GORDON40347$4,036.85
LA FAYETTE42457$4,039.91
MC QUADY42049$4,040.25
OLATON42134$4,042.71
BEREA42280$4,043.41
VIRGIE40356$4,043.87
CLAY42036$4,044.35
WOOTON40502$4,046.47
WHEATCROFT42206$4,047.79
CUSTER42020$4,048.04
HICKMAN42054$4,050.30
LEITCHFIELD42048$4,053.45
ADOLPHUS42327$4,054.02
BARLOW42215$4,057.82
PAINT LICK42164$4,060.67
MORGANFIELD42320$4,061.25
EDMONTON42217$4,062.98
FRANKFORT42351$4,063.07
BARDWELL42163$4,064.67
TILINE42044$4,069.09
SMITH MILLS42431$4,070.65
CUMBERLAND40506$4,077.43
BLACKEY40372$4,077.57
WOODBURY41099$4,077.97
GUTHRIE42456$4,080.98
JEFF40379$4,085.79
CLINTON42127$4,090.90
LOYALL40601$4,091.09
FRANKLIN42413$4,093.31
FALLS OF ROUGH42130$4,095.14
SACRAMENTO42076$4,097.42
ROUSSEAU40391$4,097.62
LEXINGTON42408$4,098.51
BEAR BRANCH40385$4,099.03
LEXINGTON42462$4,101.85
MIDWAY42436$4,102.44
WINCHESTER42347$4,102.77
OLMSTEAD42459$4,104.31
GARNER40342$4,108.05
GEORGETOWN42461$4,111.22
LA CENTER42156$4,111.22
PARK CITY42444$4,112.24
ROCHESTER42029$4,112.50
BURNA42120$4,115.07
PERRYVILLE42066$4,118.24
GRAND RIVERS42040$4,118.64
COVINGTON42701$4,120.55
CECILIA42039$4,121.10
POOLE42330$4,121.47
CORYDON42437$4,134.80
VINE GROVE42051$4,134.98
BENTON42440$4,140.24
PADUCAH42211$4,140.55
MC HENRY42153$4,142.67
CUNNINGHAM42256$4,143.16
ASHER40404$4,143.98
ROCKPORT42060$4,145.09
DUNDEE42082$4,147.82
MOUNT HERMON42167$4,148.39
LANCASTER42079$4,149.51
WILMORE42445$4,150.22
ABERDEEN42055$4,150.47
MURRAY42453$4,152.91
SYMSONIA42275$4,154.03
GREENVILLE42210$4,154.79
GAMALIEL42035$4,156.74
SHELBY GAP40310$4,159.62
ASHLAND42003$4,159.79
FORDSVILLE42027$4,167.92
GRACEY42442$4,167.92
CENTER42032$4,170.05
ARY40361$4,171.30
POWDERLY42038$4,171.51
HANSON42350$4,173.45
CROFTON42371$4,174.49
COLUMBIA42085$4,176.24
CLEATON42129$4,180.61
BREMEN42086$4,180.77
BEECHMONT42024$4,181.47
MILLERSBURG42088$4,181.85
CAMPBELLSVILLE42001$4,182.42
DAWSON SPRINGS42345$4,183.18
PARKSVILLE42053$4,183.89
FORT CAMPBELL42463$4,184.16
NICHOLASVILLE42410$4,184.40
GRADYVILLE42021$4,188.91
DUNBAR42022$4,190.14
FORT THOMAS42762$4,190.99
FOUNTAIN RUN42087$4,191.34
ETOILE42157$4,193.28
LEXINGTON42455$4,195.34
BURDINE40461$4,197.37
LEDBETTER42023$4,197.88
BEREA42441$4,198.31
HORSE BRANCH42033$4,199.21
SOUTH CARROLLTON42131$4,200.44
CENTERTOWN42056$4,200.78
HESTAND42069$4,201.11
STAMPING GROUND42354$4,202.85
CENTRAL CITY42321$4,205.30
PIKEVILLE40330$4,206.30
WHITE PLAINS42123$4,208.05
SALVISA42361$4,208.66
CAVE CITY42352$4,210.47
SCOTTSVILLE42374$4,211.74
THELMA40119$4,213.82
LUCAS42332$4,214.52
UNIONTOWN42333$4,216.06
GREENSBURG42031$4,219.36
VAN LEAR40178$4,219.81
LEXINGTON42464$4,220.19
MELBER42154$4,220.75
DUNMOR42028$4,222.51
SECO40440$4,222.69
SHELBIANA40353$4,222.87
SEBREE42166$4,223.82
CLAYHOLE40348$4,224.64
LIVERMORE42133$4,225.18
FARMINGTON42325$4,225.50
LATONIA42728$4,228.68
NEW CONCORD42348$4,229.88
HARTFORD42338$4,233.74
WESTVIEW42124$4,234.34
WHITESBURG40444$4,235.47
BROWNSVILLE42259$4,236.29
BEAVER DAM42372$4,237.39
HYDEN40422$4,239.12
LEWISPORT42370$4,240.15
BEECH CREEK42151$4,242.08
PARTRIDGE40468$4,242.79
PROVIDENCE42041$4,243.00
MAYFIELD42326$4,243.04
CALIFORNIA42721$4,243.51
ROCKY HILL42369$4,244.22
SHARON GROVE42411$4,244.36
CALVERT CITY42328$4,245.11
BANDANA42201$4,245.67
BEE SPRING42050$4,245.92
PINE TOP40464$4,249.52
VICCO40175$4,252.33
KEVIL42207$4,255.39
SLEMP40153$4,256.01
NEWPORT42754$4,256.28
LEWISBURG42285$4,258.52
DEXTER42409$4,263.27
HAWESVILLE42083$4,263.92
OAK GROVE42450$4,264.28
DIXON42045$4,264.64
ALEXANDRIA42724$4,266.40
MADISONVILLE42367$4,266.59
STURGIS42337$4,271.78
ALMO42404$4,272.21
AUSTIN42140$4,274.31
EIGHTY EIGHT42349$4,275.01
WINGO42214$4,275.26
UTICA42743$4,277.59
SEDALIA42273$4,278.22
MANITOU42339$4,278.78
WAVERLY42343$4,279.71
ELIZABETHTOWN42324$4,280.64
FANCY FARM42323$4,282.32
FREDONIA42058$4,283.92
WATER VALLEY42219$4,283.93
NEWPORT42742$4,285.87
MOUSIE40115$4,287.83
DYCUSBURG41102$4,291.42
MORNING VIEW42718$4,293.49
FALCON40152$4,293.87
WALTON42715$4,296.29
STANVILLE40170$4,296.60
KIMPER40121$4,298.15
MEALLY40076$4,298.31
PADUCAH42252$4,299.70
BELCHER40065$4,300.04
UNION42726$4,301.48
PARKERS LAKE41101$4,302.96
COVINGTON42712$4,304.75
GILBERTSVILLE42368$4,305.04
DELPHIA40140$4,306.30
HEBRON42741$4,306.57
LETCHER40370$4,308.55
PINE RIDGE41030$4,311.31
ROCKFIELD42753$4,314.95
BURLINGTON42748$4,315.46
TRAM40171$4,316.35
SOUTH WILLIAMSON40162$4,316.41
ROUNDHILL42261$4,317.06
LOOKOUT40003$4,318.29
SAINT HELENS40160$4,320.18
FOREST HILLS40143$4,322.85
WARFIELD40145$4,323.94
WACO42344$4,325.41
FULTON42064$4,326.40
INDEPENDENCE42749$4,326.90
DAYTON42732$4,327.77
BETSY LAYNE40144$4,328.81
OIL SPRINGS40111$4,329.28
COMBS40337$4,338.74
NAZARETH41031$4,339.20
BEAUMONT42081$4,339.98
LOUISVILLE41056$4,342.87
LOWES41139$4,345.55
SWEEDEN42047$4,348.04
BOWLING GREEN42764$4,349.35
INEZ40176$4,349.46
RIVER40068$4,352.41
BOWLING GREEN42776$4,352.89
MC CARR40019$4,353.92
OWENSBORO42788$4,358.88
MAMMOTH CAVE42078$4,358.91
ALVATON42733$4,359.50
MACEO42740$4,360.43
OLIVE HILL41169$4,369.78
LICK CREEK40067$4,371.30
LEXINGTON42642$4,372.70
VIPER40351$4,381.69
PINSONFORK40031$4,383.22
STAFFORDSVILLE40146$4,386.11
THOUSANDSTICKS40223$4,386.88
FRENCHBURG41010$4,386.89
RAVEN40022$4,395.07
IRVINE41033$4,396.83
SAINT FRANCIS41183$4,398.53
SAINT MARY41034$4,401.81
LEXINGTON42544$4,402.01
ORLANDO41065$4,403.07
LILY41055$4,404.61
MC KEE41003$4,405.06
GARRETT40077$4,406.68
MALLIE40355$4,411.45
MC ANDREWS40014$4,415.11
EAST POINT40222$4,416.35
WEST VAN LEAR40070$4,423.79
DWALE40311$4,425.59
FISTY40242$4,426.77
PETERSBURG42729$4,429.77
PRESTON41064$4,432.19
FEDSCREEK40007$4,435.88
PILGRIM40207$4,436.63
PHILPOT42722$4,439.73
BEVINSVILLE40057$4,441.18
DRIFT40142$4,442.11
KEATON40108$4,443.46
DRAKE41168$4,445.60
PHYLLIS40036$4,448.17
TEABERRY40155$4,448.63
TRENTON42629$4,450.69
STAMBAUGH40050$4,451.16
ERLANGER42746$4,451.76
SIDNEY40026$4,455.35
HENDERSON42716$4,458.06
LEXINGTON42553$4,461.09
MAJESTIC40010$4,461.39
STANTON41097$4,464.07
FT MITCHELL42759$4,466.45
FLORENCE42782$4,467.46
FREEBURN40011$4,469.69
YEADDISS40374$4,469.75
YERKES40243$4,469.75
HAGERHILL40157$4,473.98
MINNIE40056$4,474.09
IVEL40161$4,474.42
BRYANTS STORE41041$4,475.04
BELLEVUE42757$4,478.65
BOWLING GREEN42765$4,480.39
BIGHILL41144$4,481.03
RACCOON40350$4,482.49
LOUISVILLE41035$4,484.59
EASTWOOD41039$4,485.28
LACKEY40051$4,489.43
REDFOX40299$4,490.39
MOZELLE40409$4,493.92
PINE KNOT41121$4,495.48
BUCKHORN40360$4,497.17
HITCHINS41174$4,503.76
LEXINGTON42528$4,504.25
LOUISVILLE41006$4,504.66
WILLIAMSPORT40055$4,507.71
ELKTON42713$4,516.20
WOODBURN42567$4,517.53
BOONS CAMP40058$4,521.22
MELBOURNE42717$4,526.43
BLOOMFIELD41189$4,529.34
ASHCAMP40313$4,531.24
OWENSBORO42784$4,532.76
DENTON41175$4,532.81
DANA40117$4,532.82
CROMONA40023$4,534.08
SAUL40075$4,541.30
CATLETTSBURG41093$4,541.98
HELTON40363$4,544.60
SMITHS GROVE42516$4,545.55
LOUISVILLE41049$4,555.76
SPOTTSVILLE42602$4,556.13
SOLDIER41002$4,557.21
LOUISVILLE41135$4,557.88
WHITESVILLE42503$4,561.65
COXS CREEK41179$4,563.55
ROCKHOLDS41046$4,564.69
LANGLEY40177$4,565.52
MOUNT VERNON41141$4,566.16
LEXINGTON42501$4,568.07
RICHMOND42533$4,569.01
EAST BERNSTADT41040$4,570.90
VERSAILLES42541$4,571.95
MILFORD41052$4,572.01
ROWDY40334$4,573.64
MELVIN40040$4,574.21
TOPMOST40037$4,575.68
LITTCARR40205$4,578.20
CALHOUN42377$4,580.01
LEJUNIOR40150$4,581.85
HOSKINSTON40004$4,583.26
SASSAFRAS40245$4,585.25
FORDS BRANCH40358$4,585.60
RANSOM40006$4,586.54
LIVINGSTON41045$4,588.05
CHAVIES40241$4,592.07
BEAUTY40059$4,592.97
DEBORD40033$4,594.76
MAYKING40448$4,596.20
WHITLEY CITY41095$4,596.23
ISLAND42221$4,599.24
TUTOR KEY40104$4,601.73
WITTENSVILLE40045$4,602.17
ERMINE40484$4,602.90
FLATGAP40052$4,606.93
HARRODS CREEK41043$4,607.62
DAVID40165$4,609.74
BASKETT41166$4,610.00
BYPRO40041$4,612.27
HALLIE40359$4,615.92
WEEKSBURY40049$4,617.44
MC ROBERTS40442$4,617.61
LEXINGTON42603$4,617.98
AVAWAM40437$4,619.43
HELLIER40107$4,620.05
ADAIRVILLE42518$4,621.41
ROBARDS42539$4,623.56
WHEELWRIGHT40046$4,625.79
BELFRY40220$4,626.34
HARDY40025$4,628.02
FRAKES41044$4,635.22
STONE40012$4,637.36
MOUTHCARD40110$4,638.52
JEREMIAH40419$4,638.74
NEWPORT42356$4,641.73
HI HAT40069$4,645.59
ROCKHOUSE40078$4,646.35
SITKA40047$4,652.32
ESSIE40328$4,654.14
STEELE40009$4,657.59
HOPKINSVILLE42633$4,658.15
LOUISVILLE41083$4,661.45
LEXINGTON42558$4,662.24
GLASGOW42565$4,664.34
EZEL41004$4,675.33
HINDMAN40371$4,675.98
LAWRENCEBURG42334$4,676.36
BARBOURVILLE41008$4,680.67
SMILAX40489$4,683.08
TOMAHAWK40060$4,683.94
MARSHES SIDING41098$4,685.38
LOUISVILLE41086$4,692.34
LEBURN40071$4,693.36
ROYALTON40061$4,694.30
PRINTER40109$4,696.72
LEXINGTON42566$4,698.51
HUDDY40008$4,700.50
BANNER40062$4,701.31
ELKHORN CITY40206$4,733.84
CANADA40013$4,741.02
MILBURN41132$4,744.12
KENTON41146$4,753.33
PHELPS40020$4,754.78
LYNNVILLE41143$4,762.99
LOUISVILLE41164$4,777.71
CROMWELL42128$4,785.62
KIRKSEY42402$4,793.30
ALLEN40291$4,798.20
ALLENSVILLE42460$4,801.82
WEST PADUCAH42216$4,823.09
PEMBROKE42519$4,825.50
DUBRE41053$4,830.30
ISOM40405$4,831.91
BROWDER42063$4,861.23
LOST CREEK40456$4,861.41
CANEYVILLE42061$4,869.63
WAYLAND40228$4,887.81
ROSINE42070$4,917.66
REED42638$4,945.48
COVINGTON42649$4,945.64
LEXINGTON42635$4,954.76
DRAKESBORO42037$4,957.69
OAKLAND42634$4,986.26
CADIZ42288$4,990.26
LEXINGTON42631$4,990.37
VANCLEVE40380$5,007.10
RUSSELLVILLE42647$5,009.00
LEXINGTON42653$5,018.14
GAYS CREEK40312$5,024.71
REVELO41129$5,036.74
BONNYMAN40452$5,038.30
LONDON41062$5,059.28
EMMALENA40272$5,060.62
CARRIE40118$5,061.32
REGINA40218$5,069.92
LOUISVILLE41037$5,092.12
ELIZAVILLE41081$5,111.44
LINEFORK40376$5,118.53
GRETHEL40122$5,123.79
LEXINGTON42564$5,127.99
HUEYSVILLE40229$5,129.88
JENKINS40346$5,132.32
THORNTON40460$5,132.65
STINNETT40366$5,133.29
PATHFORK40744$5,134.34
DWARF40741$5,137.74
SIZEROCK40219$5,149.39
WARBRANCH40737$5,158.36
HAROLD40258$5,167.36
WANETA40740$5,175.08
GARRARD40701$5,176.18
SILVER GROVE42731$5,179.49
LOUISVILLE41061$5,183.71
STEARNS41096$5,218.81
BUSY40213$5,225.79
CORBIN41054$5,227.95
MARY ALICE40759$5,246.48
EOLIA40445$5,247.61
LOUISVILLE40940$5,278.65
DEMA40027$5,278.95
DAYHOIT40763$5,282.76
DENNISTON40921$5,323.73
BULAN40729$5,346.83
STOPOVER40018$5,361.92
GOOSE ROCK40216$5,370.68
VARNEY40204$5,386.56
BEAVER40063$5,395.69
LONE40336$5,403.58
PIPPA PASSES40048$5,405.19
FOSTER41360$5,454.16
HAZEL GREEN40769$5,473.57
KRYPTON40319$5,481.74
MYRA40317$5,481.74
PAINTSVILLE40214$5,492.25
MARTIN40217$5,576.62
BEDFORD41421$5,589.89
HAPPY40322$5,621.02
CANNEL CITY40906$5,639.34
JACKHORN40472$5,649.03
EASTERN40202$5,656.82
LOUISVILLE41472$5,659.53
OLYMPIA41425$5,660.64
NEON40447$5,710.98
FAIRFIELD41173$5,712.69
KETTLE ISLAND40943$5,716.87
PINEVILLE40915$5,720.32
HOLMES MILL40734$5,728.66
BIMBLE40997$5,730.05
INGRAM40935$5,732.12
GRAYSON41171$5,738.86
STONEY FORK40953$5,745.88
SANDY HOOK40982$5,774.24
CALVIN40923$5,777.40
SHEPHERDSVILLE41352$5,780.56
LOUISVILLE41180$5,783.69
HIMA40755$5,790.85
JONANCY40387$5,799.79
ZOE40903$5,804.58
TROSPER40946$5,812.18
WALKER40988$5,818.92
LOUISVILLE40902$5,819.75
VINCENT40771$5,822.49
GRAY40995$5,822.86
BEATTYVILLE40913$5,828.45
ARTEMUS40958$5,843.50
MIDDLESBORO40939$5,851.94
SCUDDY40293$5,858.05
WEBBVILLE40965$5,859.01
GREEN ROAD40955$5,861.08
LOUISA40856$5,862.30
WOODBINE40949$5,885.73
COALGOOD40813$5,895.91
BLUE RIVER40316$5,897.95
CANNON40977$5,904.11
LYNCH40492$5,946.96
BOSTON41311$5,947.28
LOUISVILLE41408$5,971.56
PROSPECT41397$5,999.91
MC DOWELL40208$6,029.45
STANFORD41365$6,040.14
LOVELY40209$6,061.89
SALYERSVILLE40473$6,077.52
BURNSIDE41149$6,133.23
BIG LAUREL40481$6,151.95
ANNVILLE40845$6,170.72
BARDSTOWN41451$6,179.15
LIBERTY41301$6,227.37
CURDSVILLE41230$6,231.98
KITE40215$6,254.11
HAZARD40486$6,288.30
MIRACLE40932$6,288.58
CORNETTSVILLE40203$6,301.45
PREMIUM40402$6,301.98
YOSEMITE41201$6,302.94
BROOKSVILLE41232$6,328.84
NEW HOPE41364$6,334.27
HUSTONVILLE41314$6,334.30
GULSTON40830$6,336.28
DEANE40434$6,340.98
CLERMONT41264$6,355.69
CLIFTY41159$6,357.58
FLAT LICK40983$6,367.66
RENFRO VALLEY40870$6,370.48
SULLIVAN41160$6,375.70
BLAINE40815$6,376.40
BAXTER40810$6,385.80
SANDGAP40865$6,385.90
LOUISVILLE40873$6,386.75
STRUNK41124$6,395.18
PUTNEY40818$6,398.53
MISTLETOE40806$6,401.47
CAWOOD40820$6,403.77
COLDIRON40801$6,404.70
QUINCY41351$6,405.30
BRONSTON41310$6,415.69
BLEDSOE40819$6,417.88
MC KINNEY41386$6,419.15
KINGS MOUNTAIN41332$6,419.93
TOTZ40824$6,421.60
PITTSBURG40964$6,438.92
ARJAY40951$6,444.22
HULEN40863$6,445.45
FINCHVILLE41739$6,463.64
VEST40488$6,472.22
ROGERS40874$6,473.12
LOWMANSVILLE40843$6,475.96
BERRY41722$6,486.44
FOURMILE40941$6,491.34
TYNER40854$6,493.20
BOONEVILLE40831$6,493.25
ULYSSES40828$6,493.27
WENDOVER40211$6,496.50
WELLINGTON40962$6,501.47
NERINX41339$6,503.19
GRAY HAWK40829$6,509.96
GUNLOCK40210$6,518.79
LOUISVILLE40847$6,519.13
WILDIE40914$6,520.11
WALLINS CREEK40816$6,522.42
LEBANON41390$6,524.78
GHENT41413$6,527.75
AUXIER40212$6,537.39
MAZIE40823$6,562.05
HEIDRICK40927$6,562.65
AGES BROOKSIDE40807$6,565.47
MIZE40972$6,575.13
HAMPTON41776$6,580.43
LOUISVILLE40855$6,580.55
WHITE MILLS41764$6,588.73
SONORA41772$6,602.85
CARLISLE41701$6,603.13
CLOVERPORT41815$6,639.75
CRANKS40808$6,643.40
SADIEVILLE41838$6,644.74
WEST LOUISVILLE41465$6,647.29
HUDSON41825$6,659.23
MALONE40862$6,659.57
REYNOLDS STATION41843$6,671.18
FALMOUTH41517$6,672.75
WADDY41855$6,679.27
MASONIC HOME41348$6,681.15
NEW LIBERTY41719$6,682.28
CRITTENDEN41837$6,687.30
GARFIELD41840$6,687.41
SEXTONS CREEK40826$6,687.57
FORT KNOX41858$6,689.08
HODGENVILLE41835$6,690.69
JETSON41849$6,697.34
LOUISVILLE41713$6,703.06
JEFFERSONVILLE41812$6,712.58
MOREHEAD41749$6,713.83
HARDINSBURG41826$6,713.95
CAMPTON40858$6,718.32
GRAHAM41824$6,719.81
BAYS40803$6,722.62
SCALF40979$6,722.71
ASHLAND41845$6,722.73
MILTON41366$6,724.65
PENDLETON41560$6,725.82
HILLSBORO41538$6,727.01
CRESTWOOD41714$6,733.92
SHELBYVILLE41848$6,736.41
WARSAW41385$6,741.25
RUSSELL SPRINGS41751$6,741.44
RINEYVILLE41833$6,746.86
FLATWOODS41777$6,747.29
SMITHLAND41804$6,747.56
MARION41822$6,749.06
MORGANTOWN41832$6,749.36
ISONVILLE40868$6,751.27
RICETOWN40840$6,758.65
SULPHUR41712$6,760.06
WESTPORT41721$6,761.63
HORSE CAVE41821$6,764.68
WEST POINT41526$6,765.47
EWING41572$6,765.53
KNIFLEY41836$6,766.15
DUNNVILLE41562$6,779.47
WEBSTER41774$6,780.76
PORT ROYAL41557$6,781.73
ALPHA41317$6,782.71
EASTVIEW41819$6,784.70
ALBANY41537$6,790.58
HARNED41817$6,791.02
DOVER41729$6,796.33
OWENTON41347$6,796.41
BATTLETOWN41367$6,796.59
LORETTO41501$6,806.96
MARTHA40827$6,807.61
GUSTON41653$6,807.63
LA GRANGE41746$6,813.38
SIMPSONVILLE41754$6,820.69
UPTON41549$6,820.84
RHODELIA41607$6,827.78
HOPE41512$6,829.09
IRVINGTON41745$6,835.49
CAMPBELLSBURG41621$6,839.21
SOUTH PORTSMOUTH41563$6,839.55
CLARKSON41847$6,847.52
GLENDALE41760$6,848.90
DRY RIDGE41601$6,851.51
CORINTH41740$6,853.65
SCIENCE HILL41635$6,855.78
RUSSELL41759$6,866.44
MAYSVILLE41778$6,867.32
LOUISVILLE41743$6,868.50
NANCY41727$6,875.70
GOSHEN41640$6,875.93
MOUNT OLIVET41666$6,879.31
EMINENCE41766$6,879.43
SPARTA41216$6,879.44
MIDDLEBURG41514$6,881.93
ELK HORN41762$6,883.69
BONNIEVILLE41559$6,886.72
LOCKPORT41649$6,887.02
BEVERLY40944$6,887.09
RADCLIFF41828$6,888.22
SANDERS41240$6,889.34
MAYSLICK41723$6,892.77
MOOREFIELD41602$6,895.47
MOUNT SHERMAN41775$6,896.30
BUCKNER41632$6,896.44
SALT LICK41231$6,898.45
MULDRAUGH41647$6,900.36
MONTICELLO41250$6,906.47
SOMERSET41522$6,910.54
UNION STAR41834$6,915.63
NEW HAVEN41571$6,919.99
WORTHINGTON41731$6,920.44
SUMMERSVILLE41622$6,921.79
CHAPLIN41265$6,923.05
JAMESTOWN41645$6,933.46
WAYNESBURG41224$6,934.00
SMITHFIELD41773$6,934.84
BETHLEHEM41663$6,935.79
CANMER41659$6,936.33
SHARPSBURG41616$6,937.49
MACKVILLE41503$6,939.69
HARDYVILLE41642$6,942.81
FAIRVIEW41368$6,944.78
RAYWICK41222$6,951.18
LOUISVILLE41660$6,952.48
SALEM41763$6,953.87
LOUISVILLE41426$6,955.11
FALL ROCK40849$6,956.64
MOUNT WASHINGTON41256$6,959.53
GERMANTOWN41267$6,959.85
MAGNOLIA41605$6,961.98
GLENCOE41527$6,966.23
LOUISVILLE41619$6,973.66
DE MOSSVILLE41735$6,975.24
WILLIAMSTOWN41631$6,975.95
BETHELRIDGE41539$6,976.95
SPRINGFIELD41260$6,978.25
MUSES MILLS41725$6,979.57
PAYNEVILLE41615$6,979.80
GLENS FORK41839$6,980.94
TATEVILLE41238$6,981.35
SOUTH SHORE41548$6,983.57
PLEASUREVILLE41655$6,985.80
CARROLLTON41226$6,986.92
EMERSON41534$6,987.27
CRAB ORCHARD41263$6,987.76
BUTLER41561$6,988.69
MARROWBONE41630$6,990.63
WINDSOR41234$6,991.51
HINKLE40981$7,000.10
BAGDAD41831$7,001.66
GLENVIEW41268$7,013.95
BUFFALO41636$7,016.79
BRADFORDSVILLE41254$7,017.53
PERRY PARK41540$7,018.15
JONESVILLE41513$7,018.75
MUNFORDVILLE41604$7,023.31
GREENUP41603$7,024.17
LEBANON JUNCTION41464$7,032.12
MAPLE MOUNT41262$7,036.98
BROOKS41203$7,038.10
SAINT CATHARINE41204$7,041.29
FLEMINGSBURG41606$7,045.52
BRANDENBURG41651$7,046.16
LOUISVILLE41271$7,047.37
WORTHVILLE41219$7,049.30
NEW CASTLE41643$7,049.95
WILLISBURG41257$7,053.62
CUB RUN41667$7,060.09
BIG CLIFTY41844$7,063.34
GRAVEL SWITCH41255$7,072.18
LOUISVILLE41669$7,076.79
MOUNT EDEN41274$7,090.70
PEWEE VALLEY41612$7,098.25
RUSH41650$7,102.07
MC DANIELS41862$7,107.14
TOLLESBORO41554$7,117.75
TAYLORSVILLE41214$7,125.42
BURKESVILLE41555$7,127.30
STEPHENSPORT41859$7,162.04
OWINGSVILLE41564$7,174.13
SOMERSET41531$7,177.02
CYNTHIANA41810$7,193.17
BREEDING41861$7,198.39
CLEARFIELD41553$7,220.98
FISHERVILLE41544$7,221.29
LOUISVILLE41568$7,228.16
TURNERS STATION41543$7,238.19
FERGUSON41519$7,238.28
BRODHEAD41567$7,244.84
VANCEBURG41528$7,245.89
EKRON41547$7,246.33
ARGILLITE41566$7,251.41
AUGUSTA41535$7,270.10
GARRISON41524$7,275.01
EUBANK41558$7,283.52
ADAMS40844$7,317.50
WALLINGFORD41542$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.

CompanyGrade
State Farm GroupA++
Kentucky Farm Bureau GroupA
Progressive GroupA+
GeicoA++
Liberty Mutual GroupA
Allstate Insurance GroupA+
USAA GroupA++
Nationwide Corp GroupA+
Shelter Insurance GroupA
State Auto Mutual GroupA-

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

Group10 miles commute / 6,000 annual mileage25 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.

GroupHighMediumLow
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.

GroupPoorFairGood
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.

GroupWith 1 DUIWith 1 accidentWith 1 speeding violationClean 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 NameDirect Premiums WrittenLoss RatioMarket Share
State Farm Group$714,96465.70%23.59%
Kentucky Farm Bureau Group$566,60375.94%18.70%
Progressive Group$240,00058.90%7.92%
Geico$212,46874.56%7.01%
Liberty Mutual Group$206,82259.60%6.82%
Allstate Insurance Group$190,42250.09%6.28%
USAA Group$152,25976.42%5.02%
Nationwide Corp Group$88,33157.90%2.91%
Shelter Insurance Group$57,75363.96%1.91%
State Auto Mutual Group$56,05672.38%1.85%
State Total$3,030,46367.00%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.

FREE Car Insurance Comparison

Compare quotes from the top car insurance companies and save!

 Secured with SHA-256 Encryption

– 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:

PenaltyFirst OffenseSecond Offense in Five Years
Fine$500-$1000$1000-$2000
ImprisonmentUp 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)
RegistrationRegistration will be revoked and license plates suspended for one year or until proof of insurance can be shownRegistration 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:

RestrictionsPermitIntermediate LicenseUnrestricted License
AgeMinimum age 16After 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 againAfter holding an intermediate license for six months (minimum age 17) or age 18
Hours of DrivingMinimum 60 hours 10 of which must be at nightMust have completed the permit requirementMust have completed the permit requirement
TimeCannot drive between 12:00 A.M. and 6:00 A.M without good causeCannot drive between 12:00 A.M. and 6:00 A.M without good causeNo restrictions
PassengerOne unrelated passenger under 20 years old limit except when supervised by a driving training instructorOne unrelated passenger under 20 years old limit except when supervised by a driving training instructorNo 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 KentuckyGeneral PopulationOlder Population
Licence Renewal Cycle8 years8 years
Proof of Adequate Visionnono
Mail or Online Renewal?nono

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 LawsFinesCar SeatAdult BeltAdditional Fines
Who is covered?
In what seats?
Maximum base fine 1st offense, additional fees may applyMust be in
child safety seat
Adult belt permissibleMaximum base fine 1st offense, additional fees may apply
7 and younger and more than 57 inches in all seats; 8+ in all seats$2540 inches or less in a child restraint; 7 and younger who are between 40 and 57 inches tall in a booster seattaller 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 OffenseSecond OffenseThird OffenseFourth Offense
Suspended License30-120 days12-18 months24-36 months60 months
Imprisonment2-30 days7 days-6 months30 days-12 monthsMinimum 120 days without probation
Fine$200-$500$350-$500$500-$1000n/a
Program Attendance90 days of alcohol or substance abuse program1 year alcohol or substance abuse treatment1 year alcohol or substance abuse treatment1 year alcohol or substance abuse treatment
Community ServicePossible 48 hours-30 days of community labor10 days-6 months community labor10 days-12 months community laborn/a
Mandatory Ignition Interlock DeviceNo (Yes if BAC is over 0.15)YesYesYes

– 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:

CityMotor Vehicle Thefts
Louisville Metro2,025
Lexington831
Covington158
Bowling Green125
Owensboro106
Shively77
Florence73
Frankfort59
Henderson59
Newport56

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

CityPopulationMotor
vehicle
thefts
Adairville8400
Albany2,0320
Alexandria8,6835
Anchorage2,3912
Ashland21,43236
Auburn1,3301
Audubon Park1,4965
Barbourville3,1392
Bardstown12,9166
Bardwell7110
Beattyville1,2693
Beaver Dam3,5274
Bellevue5,9189
Benham4840
Benton4,4071
Berea14,33111
Bloomfield8581
Bowling Green61,130125
Brandenburg2,8671
Brownsville8291
Burkesville1,5261
Burnside8281
Cadiz2,6241
Calvert City2,5401
Campbellsville10,8046
Carlisle1,9562
Carrollton3,9662
Catlettsburg1,8292
Cave City2,2831
Central City5,8910
Clarkson8861
Clay1,1800
Clay City1,0621
Cloverport1,1590
Coal Run Village1,6781
Cold Spring6,1942
Columbia4,4902
Corbin7,25710
Covington40,766158
Cumberland2,1511
Cynthiana6,30510
Danville16,38817
Dawson Springs2,7531
Dayton5,3689
Earlington1,4070
Eddyville2,5780
Edgewood8,6794
Edmonton1,5690
Elizabethtown29,47025
Elkton2,2110
Elsmere8,4787
Eminence2,4781
Erlanger18,43233
Evarts9390
Falmouth2,1372
Ferguson9480
Flatwoods7,4126
Flemingsburg2,7024
Florence31,43473
Fort Mitchell8,2409
Fort Thomas16,22710
Fort Wright5,7039
Frankfort27,68059
Franklin8,5815
Fulton2,3103
Gamaliel3690
Georgetown30,61138
Glasgow14,11714
Graymoor-Devondale2,9143
Grayson4,0822
Greensburg2,1801
Greenup1,1760
Greenville4,4150
Guthrie1,4422
Hardinsburg2,3430
Harlan1,6773
Harrodsburg8,3015
Hartford2,7122
Hawesville1,0000
Hazard5,45512
Henderson28,95259
Heritage Creek1,0990
Highland Heights6,9381
Hillview9,4656
Hodgenville3,2281
Hopkinsville33,25338
Hurstbourne Acres1,8470
Independence25,9378
Indian Hills2,9182
Irvine2,4310
Irvington1,1932
Jackson2,1682
Jamestown1,7900
Jeffersontown27,01746
Jenkins2,1310
La Grange8,27711
Lakeside Park-Crestview Hills5,8816
Lancaster3,4292
Lawrenceburg11,0806
Lebanon5,6494
Lebanon Junction1,8612
Leitchfield6,8147
Lewisburg8010
Lewisport1,7010
Lexington308,712831
Liberty2,1963
London6,06713
Louisa2,4651
Louisville Metro671,1202,025
Loyall6640
Ludlow4,5369
Lynnview9280
Madisonville19,76117
Manchester1,4254
Marion3,0213
Martin6200
Mayfield10,1416
Maysville9,02412
McKee7840
Meadow Vale7480
Middlesboro9,95316
Monticello6,1895
Morehead6,8646
Morganfield3,2421
Morgantown2,4694
Mortons Gap8590
Mount Sterling7,02316
Mount Vernon2,4693
Mount Washington9,3775
Muldraugh1,0923
Munfordville1,6350
Murray18,04812
New Haven8750
Newport15,42556
Nicholasville28,49737
Northfield1,0400
Oak Grove7,63813
Olive Hill1,5741
Owensboro58,304106
Owenton1,5402
Owingsville1,5531
Paducah25,06445
Paintsville4,1231
Paris9,75211
Park Hills2,9932
Pembroke9030
Perryville7560
Pewee Valley1,4860
Pikeville6,87014
Pineville1,8342
Pioneer Village4961
Powderly7362
Prestonsburg3,2107
Princeton6,2933
Prospect4,8180
Providence3,1714
Raceland2,3770
Radcliff23,17722
Ravenna5951
Richmond32,33350
Russell3,3190
Russell Springs2,4551
Russellville6,94913
Salyersville1,8310
Science Hill6980
Scottsville4,3103
Shelbyville14,74312
Shepherdsville11,53432
Shively15,51177
Silver Grove1,1081
Simpsonville2,6080
Smiths Grove7230
Somerset11,35218
Southgate3,8063
South Shore1,1150
Springfield2,5774
Stanford3,6898
Stanton2,6970
St. Matthews17,76813
Strathmoor Village6580
Sturgis1,8880
Taylor Mill6,6704
Taylorsville7821
Tompkinsville2,3113
Trenton3920
Uniontown9831
Vanceburg1,4662
Versailles8,88122
Villa Hills7,3623
Vine Grove5,2981
Warsaw1,6550
Wayland4190
West Buechel1,25510
West Liberty3,3850
West Point7662
Wheelwright7710
Whitesburg2,0600
Wilder3,0454
Williamsburg5,2586
Williamstown3,8876
Wilmore3,8041
Winchester18,47835
Worthington1,5920

– 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 ConditionDaylightDark, but LightedDarkDawn or DuskOther / UnknownTotal
Normal32466192240606
Rain5011296096
Snow/Sleet700007
Other0181010
Unknown011002
TOTAL38179230310721

– Traffic Fatalities

City/AreaTotal Killed (Pedestrian and Vehicle Occupants)Fatality Rate per 100,000 Population
Louisville/Jefferson County Metro8714.12%
Lexington-Fayette Urban County5015.7%

– Fatalities by Road Type

Type of Roadway20132014201520162017
Rural494517593607510
Urban144155168226271

– Fatalities by Person Type

Occupant/Non-Occupant20132014201520162017
Passenger Car269278314353326
Light Truck - Pickup92115120116126
Light Truck - Utility8484998890
Light Truck - Van2021253232
Large Truck10991610
Other/Unknown Occupants1517242315
Light Truck - Other00001
Total Occupants490524591628600
Total Motorcyclists87869111190
Pedestrian5557678183
Bicyclist and Other Cyclist34797
Other/Unknown Nonoccupants31552
Total Nonoccupants6162799592
Grand Total638672761834782

– Fatalities by Crash Type

Crash Type20132014201520162017
Total Fatalities (All Crashes)*638672761834782
Single Vehicle355395400451413
Involving a Large Truck78688110089
Involving Speeding125125140138138
Involving a Rollover157200229216203
Involving a Roadway Departure410456499529472
Involving an Intersection (or Intersection Related)116119122152179

– Five-Year Trend For The Top 10 Counties

2017 RankingKentucky Counties201320142015201620172017
1Jefferson County8878859910714
2Fayette County18282750354
3Warren County18171323263
4Boone County951514192
5Laurel County1310811182
6Kenton County59179172
7Hardin County20162216162
8Nelson County851513142
9Muhlenberg County6226122
10Pike County20211416122
Sub Total 1.*Top Ten Counties22322024628427635
Sub Total 2.**All Other Counties41545251555050665
TotalAll Counties638672761834782100

– Fatalities Involving Speeding by County

Kentucky County20132014201520162017
Adair12102
Allen10120
Anderson00000
Ballard00001
Barren61102
Bath00200
Bell10003
Boone43343
Bourbon12521
Boyd00300
Boyle02201
Bracken00100
Breathitt02011
Breckinridge03100
Bullitt03323
Butler01001
Caldwell00101
Calloway52021
Campbell10160
Carlisle10001
Carroll01000
Carter01312
Casey10001
Christian64340
Clark00012
Clay12210
Clinton11001
Crittenden01010
Cumberland00001
Daviess01244
Edmonson00002
Elliott00000
Estill00000
Fayette373118
Fleming00010
Floyd31105
Franklin10002
Fulton03000
Gallatin00002
Garrard00000
Grant00100
Graves22520
Grayson11011
Green10000
Greenup03010
Hancock01010
Hardin35512
Harlan00010
Harrison11010
Hart10230
Henderson11110
Henry21100
Hickman01000
Hopkins11431
Jackson10001
Jefferson1821132128
Jessamine10021
Johnson10100
Kenton12400
Knott00000
Knox11310
Larue10000
Laurel33123
Lawrence11000
Lee00000
Leslie00001
Letcher00010
Lewis10231
Lincoln00003
Livingston10120
Logan51000
Lyon00112
Madison21332
Magoffin01112
Marion00111
Marshall02111
Martin00000
Mason20011
Mccracken02522
Mccreary11200
Mclean00021
Meade12411
Menifee00000
Mercer10010
Metcalfe10000
Monroe00000
Montgomery00101
Morgan10000
Muhlenberg10020
Nelson30534
Nicholas00011
Ohio12010
Oldham13000
Owen01022
Owsley01000
Pendleton10000
Perry01142
Pike83422
Powell01110
Pulaski30121
Robertson00000
Rockcastle00112
Rowan11111
Russell11100
Scott14201
Shelby20001
Simpson10110
Spencer00011
Taylor01202
Todd00200
Trigg00102
Trimble00001
Union00030
Warren32043
Washington01101
Wayne00620
Webster02000
Whitley21524
Wolfe10110
Woodford12200

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

County Name201520162017County Name201520162017
Lyon County202Jefferson County272026
Owen County112Muhlenberg County011
Mccreary County113Marshall County011
Fulton County101Warren County244
Adair County013Christian County252
Jackson County012Greenup County101
Trigg County012Clark County201
Pendleton County002Floyd County321
Elliott County001Calloway County031
Casey County222Boone County153
Rowan County023Barren County211
Trimble County001Madison County642
Laurel County217Nelson County521
Russell County112Shelby County141
Simpson County102Hardin County511
Mclean County101Anderson County010
Meade County443Ballard County000
Bourbon County012Bracken County200
Allen County232Breckinridge County100
Mercer County102Butler County010
Green County101Caldwell County000
Letcher County002Carlisle County000
Martin County101Carroll County100
Washington County211Clinton County000
Edmonson County001Crittenden County100
Lincoln County302Cumberland County100
Todd County201Gallatin County210
Bath County211Garrard County200
Magoffin County011Grant County100
Franklin County004Hancock County000
Breathitt County011Harlan County110
Grayson County422Harrison County000
Morgan County001Hart County250
Bell County312Henderson County200
Carter County312Hickman County000
Larue County001Jessamine County230
Estill County101Johnson County000
Fleming County031Knox County200
Union County041Lee County000
Boyle County102Leslie County000
Knott County021Lewis County230
Lawrence County001Livingston County300
Henry County021Logan County000
Rockcastle County001Marion County120
Mason County001Mccracken County200
Whitley County352Menifee County030
Spencer County101Metcalfe County010
Graves County452Monroe County100
Pike County623Montgomery County200
Bullitt County334Nicholas County000
Daviess County045Oldham County010
Clay County401Owsley County120
Pulaski County333Powell County110
Hopkins County002Robertson County000
Campbell County434Scott County220
Kenton County617Taylor County100
Boyd County002Wayne County110
Ohio County011Webster County200
Perry County361Wolfe County120
Fayette County81312Woodford County110

– EMS Response Time

Population DensityTime of Crash to EMS
Notification
EMS Notification to
EMS Arrival
EMS Arrival at Scene
to Hospital Arrival
Time of Crash to Hospital
Arrival
Urban41237.5649.51
Rural4.211.5837.5649.51

– 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 City2018 IMPACT RANK (2017)HOURS LOST IN CONGESTIONYEAR OVER YEAR CHANGECOST OF CONGESTION (PER DRIVER)INNER CITY TRAVEL TIME (MINUTES)INNER CITY LAST MILE SPEED (MPH)
Lexington, KY148 (150)79 (149)-7%$1,108414
Louisville, KY194 (183)53 (192)6%$734513

TomTom has the following data on Louisville, KY:

TomTom Congestion CityWorld RankingCongestion LevelExtra Travel TimeMorning / Evening Peak
Highways / Non-highways
Louisville, KY34716%+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

FREE Car Insurance Comparison

Compare quotes from the top car insurance companies and save!

 Secured with SHA-256 Encryption

[0-9]
[0-9]