Obtaining a Kentucky driver’s license, transferring your vehicle title, getting Kentucky car insurance, and registering your vehicle are all straightforward tasks that new residents of Kentucky must accomplish upon moving into the state. Consider using an internet comparison tool to compare quotes from different companies that meet your insurance needs if you’re looking for cheap car insurance in Kentucky. Read further to learn more about them. Let’s dive in!
Cheap Car Insurance Kentucky
Thinking of how to get a cheap car insurance rate in Kentucky? Here is a list of the car insurance companies where you can get a cheap car insurance rate in Kentucky:
#1. Geico
J.D. Power regional rating: 828/1,000
AM Best financial strength score: A++
Geico provides an appealing blend of low-cost auto insurance coverage and excellent customer service. According to the J.D. Power 2022 U.S. Auto Claims Satisfaction StudySM, the company scored above average. The company’s excellent financial strength rating from AM Best demonstrates its dependability when it comes to its ability to pay claims.
This car insurance company is one of the best car insurance companies in Kentucky, where you can get a cheap rate. Geico also provides drivers with over ten different discounts, such as those for bundling multiple policies and completing a defensive driving course, to lower their monthly premium payments.
Pros
- Kentucky has consistently low rates for drivers of all ages.
- Strong reputation in the industry
- Fullest coverage most affordable overall
Cons
For drivers with a recent accident, rates may be high.
#2. Cincinnati Insurance
Independent agents are the only ones who can sell auto, home, business, and life insurance policies for Cincinnati Insurance. After factoring in prices, Cincinnati Insurance could offer Kentucky drivers basic car insurance protection for as little as $34.33 per month. Generous rental coverage, optional gap insurance, and antique or collectible car insurance are further noteworthy features. This car insurance company is one of the best car insurance companies in Kentucky, where you can get a cheap rate. You can save money by maintaining a high GPA, purchasing many policies from the same company, or both!
#3. State Farm
J.D. Power regional rating: 847/1,000
AM Best financial strength score: A++
State Farm is yet another reputable company that offers cheap car insurance in Kentucky. State Farm provides some of the lowest prices for both safe drivers and those with at-fault incidents on their records, and they also provide a discount of up to 25% for good students who get car insurance. This car insurance company is one of the best car insurance companies in Kentucky, where you can get a cheap rate. The company also provides a driver education program called Steer Clear® and a usage-based alternative for all drivers called Drive Safe & SaveTM.
Pros
- Low rates for drivers with DUIs or accidents
- Kentucky’s least expensive liability insurance
- Outstanding financial stability
Cons
- No accident forgiveness
#4. USAA
J.D. Power regional rating: 876/1,000
AM Best financial strength score: A++
You should check out USAA if you are in the military, a veteran, or a member of a service person’s immediate family. In the J.D. Power 2023 U.S. Auto Insurance StudySM, the company achieved the highest satisfaction rating in the Southeast, indicating its exceptional customer service. Furthermore, premiums in the Commonwealth of Kentucky are among the lowest in the country. This car insurance company is one of the best car insurance companies in Kentucky, where you can get a cheap rate. Drivers may also be qualified for USAA SafePilot, an app-based discount program where those who track their safe driving behaviors can save up to 30% off their premium, in addition to a variety of normal discounts.
Pros
- Low rates for many Kentucky drivers
- Extra advantages for service members
Cons
- Excellent financial strength
#5. Westfield
Kentucky drivers may be eligible for basic car insurance coverage from Westfield, which is based in Westfield Center, Ohio, for as little as $35.96 a month. Westfield provides coverage for cars, RVs, motorbikes, and boats in addition to autos. In addition to providing roadside assistance and loan/lease gap coverage, Westfield also provides liability, collision, comprehensive, medical payments, and personal injury protection insurance.
#6. Auto-Owners Insurance
J.D. Power regional rating: 816/1,000
AM Best financial strength score: A++
Car owners can get covered by Auto-Owners Insurance, a company that has been around for over a hundred years. The business is among the top five most cost-effective car insurance carriers for Kentucky residents, offering reasonable rates for many different types of drivers. Drivers who switch to Auto-Owners Insurance may enjoy lower rates despite having speeding tickets and other infractions. Among the many optional coverages and benefits offered by Auto-Owners is a waiver of your collision deductible should you be involved in an accident with another vehicle insured by Auto-Owners. This car insurance company is one of the best car insurance companies in Kentucky, where you can get a cheap rate. Customers might also be qualified for a wide range of discounts.
Pros
- Generally low rates for adult drivers
- For drivers with speeding fines, reasonable rates
- Students and other young drivers receive discounts
Cons
- Low ratings for claims
#7. Kentucky Farm Bureau
The Kentucky Farm Bureau offers basic coverage for typical Kentucky drivers on car insurance premiums for as little as $47.83 per month. Kentucky Farm Bureau was established in 1919 and offers policies through independent agents throughout the state and throughout the United States, Canada, and Puerto Rico. This car insurance company is one of the best car insurance companies in Kentucky where you can get a cheap rate in Kentucky.
DriveRight Mobile is a usage-based insurance discount program offered by the Kentucky Farm Bureau that can reduce a customer’s premium by five percent after only three safe driving excursions.
#8. Travelers
J.D. Power regional rating: 818/1,000
AM Best financial strength score: A++
Since its establishment in 1864, Travelers Insurance has expanded to serve customers in 43 different states. The company provides among the most competitive rates in Kentucky for drivers aged 50 and over, with a selection of coverage options including new car replacement and roadside assistance. This car insurance company is one of the best car insurance companies in Kentucky, where you can get a cheap rate. Although some of its rivals have a better reputation for customer service, its average charges are among the five most reasonable for several driver characteristics.
Pros
- Affordable prices for elders in Kentucky
- Excellent alternatives for supplemental coverage
- Replacement coverage for new cars
Cons
- Mixed feedback on client service
Cheap Full-Coverage Car Insurance in Kentucky
Full-coverage vehicle insurance can be of interest to you if you want more than just basic car insurance protection or if your loan or lease agreement calls for more insurance than what the law provides.
Bodily injury, property damage, uninsured motorist, personal injury protection, collision, and comprehensive coverages are frequently included in full-coverage car insurance.
Kentucky Minimum Car Insurance Requirements
Personal injury protection and liability coverage are the bare minimums for car insurance in Kentucky. Since Kentucky is a no-fault state, your personal injury protection, rather than the “at-fault” driver’s liability coverage, will largely help pay for any injuries you get in an accident.
 In the event that your medical expenses total more than $1,000, you may sue the insurance company for the at-fault motorist. Personal injury protection (PIP) pays for medical costs and lost wages. You can, however, refuse PIP insurance and the no-fault system. In this case, if your medical expenses are less than $1,000, you may sue another motorist; however, other drivers may also sue you.
All drivers must adhere to the following state minimum coverage requirements under Kentucky law:
- Insurance coverage for bodily injury liability: $25,000 per person and $50,000 per accident
- Coverage for property damage: $25,000 per incident
- $10,000 per accident for personal injury protection, unless explicitly declined in writing
Is it Illegal To Drive Without Car Insurance in Kentucky?
All licensed drivers in Kentucky are required to maintain minimum liability car insurance. Personal injury protection (PIP) of at least $10,000 is included in this plan. Depending on the state, there may be fines, registration suspensions, and even jail time for driving without insurance in Kentucky.
Drivers in Kentucky Have Access to Additional Car Insurance Coverage
If you only have the bare minimum of coverage, you can still have to pay for an accident out of pocket. Kentucky drivers may also be qualified for additional car insurance protections, such as:
#1. Encompassing insurance
This can assist in covering the costs of automotive damage resulting from non-collision claims like hail, theft, fire, or collisions with animals.
#2. Roadside assistance
Roadside assistance provides aid with problems like a flat tire, a dead battery, and running out of gas.
#3. Towing insurance
It assists you in getting your vehicle to a service station if it should break down while you’re driving.
#4. Uninsured motorist bodily injury (UMBI)
in case you get into a collision with a motorist who does not carry insurance, you will be able to get help paying your medical bills.
Factors That Affect the Cost of Car Insurance in Kentucky
The prices you see in this post will probably not match the ones you actually pay. Car insurance companies modify their prices based on details specific to you and your vehicle.
When it comes to determining your car insurance rates, these are some of the most important factors:
- Age
- Marital status
- Driving record
- The gender listed on your license
- A good credit score
- Location
Car Insurance Benefits Offered to Kentucky Drivers
Among the many discounts and perks that may be available to drivers in Kentucky who purchase car insurance are:
- New Car Replacement
- Accident Forgiveness
- Disappearing Deductible
- 24/7 Claim Service
Kentucky Proof of Car insurance
In accordance with Kentucky state law, if you are involved in an accident, you must provide a copy of your car insurance ID card upon request from a police officer or other person. Keep a copy of your car insurance ID card and your registration in your car if you have a driver’s license in the state of Kentucky. Several states, including Kentucky, now accept electronic evidence of car insurance.
Safety on Kentucky’s Roads
There are several safe driving laws in Kentucky designed to keep you safe while you navigate its roads and backroads. Here are a few examples:
- Seatbelt Laws in Kentucky: The use of a seatbelt while operating a vehicle on Kentucky’s highways is required by law.
- Distracted driving laws in Kentucky: It is illegal for any driver to text while operating a vehicle in Kentucky.
- Teen Driver Laws in Kentucky: For many teenagers, obtaining a driver’s license is a milestone, and Kentucky wants to ensure their safety while doing it. To guarantee that teenagers acquire the knowledge and maturity needed to be safe drivers, Kentucky has adopted graduated licensing rules. Laws requiring graduated licenses restrict young passengers, prohibit driving at night, and mandate enough supervised practice time.
What Is a No-Fault State?
When someone says, “Kentucky is a no-fault state,” what exactly do they mean? To cover medical costs in the event of a car crash, victims in no-fault states typically submit claims to the insurance company of the vehicle they were riding in. If a victim of an accident doesn’t have their own car insurance, they would make a claim against the insurance covering the car they were driving at the time of the collision. If your damages don’t exceed a specific amount, you won’t be able to sue the person who caused the accident in a no-fault state.
However, in a state where they were at fault, the at-fault driver was required to have insurance to pay for the other person’s medical bills, not their own. In this case, the accident victim’s expenses would be partially covered by the insurance of the at-fault motorist. Only injuries are covered by no-fault insurance. Drivers submit property damage claims with the at-fault party’s insurer in both at-fault and no-fault states.
Do You Need Personal Injury Protection (PIP) Coverage in Kentucky?
Yes, PIP insurance is required in order to drive legally in Kentucky. The state’s minimum mandated coverage, which also includes bodily injury and property damage liability coverage, mandates that drivers purchase $10,000 per accident of PIP coverage.
After an accident, PIP coverage helps pay for the policyholder’s medical expenses. Non-medical benefits such as missed income, home expenses, and burial costs may also be covered, though the exact nature of these benefits will differ by insurer and policy.
What Causes an Increase in Car Insurance Rates in Kentucky?
Different drivers and different locations in Kentucky contribute to higher car insurance prices. Due to the high percentage of drivers in the state who have a DUI conviction on their record, car insurance premiums there may be higher than in other states. The weather in Kentucky also has an effect on car insurance prices.
What Does Kentucky Full-Coverage Car Insurance Entail?
Drivers with expensive cars or those who reside in densely populated regions should choose full-coverage insurance, which offers greater coverage than the state’s minimal legal requirement. “Full-coverage insurance” includes comprehensive and collision coverage in addition to liability insurance. Each motor insurer may offer different optional insurance add-ons or endorsements.
If you cause an accident and someone else is hurt or their property is damaged, your liability insurance will pay for those costs. While comprehensive coverage covers theft, vandalism, and natural disaster-related vehicle damage, collision coverage safeguards your car in the event of an accident.
What if I Don’t Meet Kentucky’s Minimum Car Insurance Requirements?
Drivers in Kentucky who are caught driving without insurance face harsh penalties, including fines, license suspension or revocation, registration suspension, and even possible jail time.
The specific punishment, however, will vary depending on the offense and your unique situation. For instance, Kentucky drivers who commit a first violation risk a $1,000 fine, up to 90 days in jail, and the loss of their registration. Because of this, it’s crucial to take all reasonable precautions to prevent a coverage lapse, never drive when underinsured, and always have proof of insurance with you when you get behind the wheel.
Kentucky’s Penalties for Driving While Your License is Suspended
Driving a car in Kentucky is illegal without a valid driver’s license. Although there are a few variables that might affect the specific punishment for driving while your license is suspended, it typically entails fines, jail time, and longer license bans. The charges and potential consequences can increase from a misdemeanor to a felony with each consecutive incident. Therefore, if your driving privileges are ever suspended, make sure to complete all the procedures to have them restored before starting to drive once more.
What Does Kentucky Full-Coverage Insurance Entail?
Comprehensive coverage and collision insurance, which pay for damage to your car from collisions and the environment, are frequently included in full-coverage insurance in Kentucky. Unless you choose to decline it, full coverage insurance also includes liability and PIP coverage.
Is Car Insurance Required in Kentucky?
With a few exceptions, drivers in Kentucky are required to carry car insurance. Students with a valid student ID card from a Kentucky college or university can continue using their insurance from their home state. Those currently serving in the military can utilize insurance from another state to register a car in Kentucky.
What Makes Kentucky Car Insurance so Expensive?
Due to Kentucky’s no-fault system, car insurance can be quite expensive. Car insurance coverage is often more expensive in no-fault states.
Is it Against the Law to Drive Without Insurance In Kentucky?
Driving a car without insurance is prohibited in Kentucky. The registration of drivers in the state without auto insurance will be terminated. They also face the possibility of a fine of $500 to $1,000 and/or up to 90 days in jail.
Does Kentucky Have Access to Geico?
Yes, Geico offers car insurance in Kentucky. For many different sorts of drivers in the state, including young drivers, those with speeding citations, and those with bad credit, it’s really one of the least expensive providers.
Final Thoughts
You might have particular requirements or “must-haves” in mind for a car insurance policy, depending on where you live. After all, while some people live in areas with heavy traffic, others travel on quiet routes with significantly fewer accidents. So, take your time to do research on any car insurance company in Kentucky you want to go with. You will surely get the best!
- TOP BEST INSURANCE FOR NEW DRIVERS 2023
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- Can You Get Car Insurance Without a License? Explained!
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