Cheap Car Insurance Rates in Kentucky (2023)

Compare Auto Insurance Rates in Kentucky

Kentucky Auto Insurance

In Kentucky, there are specific auto insurance requirements and rates. If you're looking to purchase quality but cheap auto insurance in Kentucky, you need to know what's required and what's extra. You also want to have the important details on Kentucky driving laws so you can make good choices behind the wheel.

Car Insurance Requirements in Kentucky

There are Kentucky minimum auto insurance requirements that every driver has to meet. There include:

  • $25,000 worth of bodily injury or death coverage per person
  • $50,000 worth of bodily injury or death coverage per accident
  • $25,000 worth of property damage coverage

Each of these coverages is for liability. Other types of coverages, such as comprehensive or collision, are not required. Many people add them, though, along with personal injury protection (PIP), in order to have a higher level of protection for their vehicle and their finances.

Is Kentucky a No-Fault State?

The state of Kentucky is a fault state, but does have no-fault insurance (PIP). All other coverages are for an at-fault driver to be able to compensate the other party in a car accident for their injuries or the damage to their property.


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Car Insurance Prices in Kentucky

The prices for car insurance in Kentucky range from liability only rates of around $808 to full coverage rates of $2,117. Teen drivers have to pay more, and their premiums for liability only can be more than $2,000 per year. Those who are between 21 and 85 pay around the average of $1,463, with drivers in the 35 to 75 age group paying the best rates.


<qa>1;Car Insurance for Young Drivers, New Drivers and Teen Drivers;Getting car insurance for 16 - 18 year olds in Kentucky that's affordable can be a real challenge, with this age group paying much more in premiums than other drivers. By looking for discount programs and checking around with different carriers, families can find lower insurance rates for teen drivers.</qa> 

<qa>2;Car Insurance for Students (18 - 24 year olds) in Kentucky;In college, the rates driver pay for auto insurance start dropping noticeably. At 18, students are still paying really high premiums. By the time they reach 22, though, those rates are much closer to the average.</qa> 

<qa>3;Car Insurance for 24+ Year Olds in Kentucky;By the time a driver turns 24, car insurance rates are much more stable and average. Throughout their adult life, drivers in Kentucky will generally pay around $1,400 per year.</qa> 

<qa>4;Car Insurance for 55 (and Over) in Kentucky;Fifty-five is more than just retirement age for some people. It's also the age at which car insurance premiums reach their lowest level. These premiums will slowly start to rise again as a driver moves toward and into their senior years, But you shouldn't expect your rates to go back to what they were as a teen driver.</qa> 

<qa>5;Car Insurance for Veterans in Kentucky;Some insurance companies have programs for veterans in Kentucky, so they can qualify for special discounts. These can vary a lot, so check around.</qa> 


AgeMost Popular VehicleGenderMost Common City
18 - 24ChevroletMale - 52% | Female - 48%Louisville
25 - 54ChevroletMale - 44% | Female - 56%Louisville
55 - 64ChevroletMale - 40% | Female - 60%Louisville
65 +FordMale - 41% | Female - 59%Louisville

* This information is based on users.

Auto Insurance for Good Drivers

Good drivers have good driving habits. They don't have tickets and they rarely have an accident. A lot of insurance companies reward them with discounts because of their good record.

Auto Insurance for Bad Drivers

Some drivers have marks on their record like accidents or tickets. They may even have a DUI. That makes them higher risk for insurers, so their rates will be higher. Some insurers raise rates more rapidly or aggressively, so it's important to check around.

Traffic Violations and Fines in Kentucky

Speeding Ticket Cost in Kentucky

Kentucky handles its speeding ticket costs by county, but you can expect to pay several hundred dollars in fines if you're ticketed for speed in that state. Reckless driving in Kentucky can mean even more fines, and can also result in points on your driver's license that can raise your insurance rates, as well. Too many points, and your license will be suspended.

Driving While High Laws in Kentucky

Kentucky is strict about its DUI laws. They include alcohol, but also drugs like marijuana. Driving under the influence of any substance like that isn't legal, and impaired drivers face penalties and punishment.

Driving Without Car Insurance in Kentucky

Drivers without car insurance can expect penalties that include fines and license suspension. A first offense is usually not as severe, but being found without insurance again can really make the cost of the infraction rise.

Texting and Driving in Kentucky

Texting is a part of Kentucky's distracted driving law, along with other cell phone use while driving. Keeping in mind that behaviors that aren't technically illegal, like eating while driving and many other activities, can also be contributors to an accident.


<twitter>In London, Kentucky it's illegal to "do the deed" on a parked motorcycle. But the law doesn't say anything about a moving one.</twitter>


Kentucky Car Accidents

There were a total of 161,393 car accidents in Kentucky in 2015 (the most current year with available data). It was an increase of 6.8 percent from 2014 when looking at the state's car accident statistics.

Reasons for Car Accidents in Kentucky

Over 88,000 car accidents were between moving vehicles, while 24,900 were between a car and a fixed object. Collisions with parked vehicles and deer were also a part of the accident statistics. Nearly 1,100 collisions involved pedestrians, and 47 people ran into a train.

Car Accident Statistics by Vehicle Type in Kentucky

Most of the accidents recorded involved either passenger cars or SUVs. Pickup trucks, vans, and motorcycles also made up some of the accident statistics, but in much smaller numbers. The majority of crashes were from inattention by a driver, and they were rear-end collisions where the distracted driver hit the back of another vehicle.

Car Accidents in Kentucky - More Facts

On average, Fridays had the highest number of crashes with 23,167 and Sundays had the lowest with 13,307. No matter the day of the week, though, there was a traffic crash in Kentucky every few minutes. The majority of these were in Jefferson County, where there are larger, urban areas.

Bonus: Most Weird, Funny and Ridiculous Traffic Laws in Kentucky

  • You can't hunt from a moving vehicle, so be sure to stop before shooting.
  • It's illegal for dogs to molest cars in Kentucky, so maybe keep them separate. Just in case.


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