Car Insurance in Kentucky

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Looking for Cheap Car Insurance in Kentucky?

In Kentucky, you need to carry insurance on your car. Drivers in no-fault states spend more on premiums than those in at-fault states, and Kentucky pays more than the national average—especially given the state's high accident rate. Use Carlay to shop around for the most affordable policies from multiple insurers.

If you live in Kentucky, you know the risks that drivers face. From having one of the nation's highest rates of car accidents to facing treacherous roads during challenging weather conditions, drivers can't afford to have low-quality auto insurance that leaves them vulnerable.

Location can have a big impact on auto insurance premiums. But you should know that companies consider your age, driving history, credit score, and other factors when setting your premiums. On top of it, car insurance can be a huge hassle. Between reading the fine print, comparing prices, and understanding your coverage, it's easy to get overwhelmed.

Carlay is here to make all this easier. We're making it simple to find and compare the best car insurance quotes by pulling from over 50 major providers. Most Carlay customers save $879 per year just by using our app!

Hear it straight from our top-notch customers. Check out these real quotes from customers in Kentucky who've switched with Carlay.

How Much Does Car Insurance Cost in Kentucky?

If you live in Kentucky, car insurance costs $2,026 annually on average for liability coverage only. Full coverage car insurance expenses in Illinois average $2,657 annually.

Nationwide car insurance costs an average of $1,783 per year for liability-only coverage and another $1,485 per year for comprehensive coverage.

What contributes to the insurance rates in Kentucky?

Here are a few of the factors that drive up the cost of car insurance in Kentucky:

  • DUIs

With all of the traffic and travel, it's no surprise that Kentucky has a long list of DUIs (Driving Under Influence) violations per year.

  • Auto theft

Statistics show that auto theft rates in Kentucky are on the rise. This increases insurance premiums for many customers.

  • Cross-country interstates

Kentucky has some great roads for driving. A large expanse of cross-country interstates is great for long-distance driving and means that many people will travel from one state to another through Kentucky. This leads to increased traffic on the road.

Here's how Kentucky premiums stack up against the rest of the country:

All Coverage BeforeCarlay All Coverage AfterCarlay Minimum Coverage BeforeCarlay Minimum Coverage AfterCarlay Full Coverage BeforeCarlay Full Coverage AfterCarlay
KY $2,570 $1,707 $2,240 $1,368 $4,070 $2,918
National Average $2,489 $1,671 $2,360 $1,390 $2,761 $1,963
KY National Average
All Coverage BeforeCarlay $2,570 $2,489
All Coverage AfterCarlay $1,707 $1,671
Minimum Coverage BeforeCarlay $2,240 $2,360
Minimum Coverage AfterCarlay $1,368 $1,390
Full Coverage BeforeCarlay $4,070 $2,761
Full Coverage AfterCarlay $2,918 $1,963

Top auto insurance providers in Kentucky

Where Kentucky car insurance is concerned, drivers want to choose a company that has a great reputation for good customer service and simple access to information. Kentucky residents who are searching for car insurance can choose from several popular providers, including Geico, the Kentucky Farm Bureau, and State Farm. While these providers have some good benefits, you may find a provider with better rates or services.

Insurance companies set their own criteria when determining car insurance premiums, so it's important to compare quotes from several different providers. Before deciding what to charge you, Kentucky providers will consider your age, credit score, location, and other factors.

Car insurance companies generally charge higher rates for those who drive more expensive cars. If you drive a Toyota RAV-4, your car insurance rates will be lower than if you drive a Chevrolet Suburban. The high cost of repairs or replacement for the Suburban is reflected in the car insurance premiums.

No matter where you live, Carlay can help you find the best car insurance package at affordable rates. We have found some of the best prices available for people in Kentucky:

Insurance Company Average Cost Annual Savings withCarlay
Allstate $3,331 $1,333 Compare Prices
Travelers $3,592 $1,146 Compare Prices
Safeco $3,499 $1,107 Compare Prices
Kemper $3,625 $1,106 Compare Prices
National General $1,769 $959 Compare Prices
Nationwide $3,156 $928 Compare Prices
State Auto $2,735 $450 Compare Prices

What Car Insurance Do You Need in Kentucky?

Before Kentucky drivers can legally drive a vehicle, they must be insured. Their coverage must include the following:

Coverage Amount Description
Bodily injury liability $25,000 per person / $50,000 per accident Covers the costs for injuries you cause to others.
Property damage liability $25,000 per accident Covers you for damage to other people's vehicles or property.

Kentucky is a no-fault state, so in the event of an accident, all licensed drivers must carry some form of personal injury protection. This coverage will pay for costs associated with an injury for you or your passengers, regardless of who is at fault.

Kentucky laws require that all drivers carry insurance for their vehicles. If you are caught driving without insurance, you will be penalized. Penalties in Kentucky include:

  • Fines of up to $1,000 for a first offense
  • Up to 90 days in jail
  • Vehicle registration of 1 year or until proof of insurance is submitted
  • $40 reinstatement fee

The minimum amount of automobile insurance required in Kentucky is just that—the bare minimum. To protect yourself from liability, you'll need to carry more than these state-mandated policies:

Coverage Description
Collision insurance Covers damages sustained when you collide with another vehicle or a stationary object.
Comprehensive insurance Coverage for damage not caused by a collision, such as vandalism, theft, or natural disasters.
Roadside assistance Covers the cost of repairs resulting from breakdowns

Carlay helps you save money by finding the most comprehensive coverage for your budget. In search of finding its users the best deal on car insurance, Carlay compares quotes from the leading insurance companies. The company then helps cancel old policies and even offers to assist with filing claims, making for an incredibly easy experience for its customers. Carlay saves users an average of $879 each year on their car insurance policies.

Now that you're familiar with the basics, here are some important things to consider about insurance in Kentucky.

How is Your Cost of Car Insurance Determined in Kentucky?

When you shop for car insurance in Kentucky, many factors will be taken into consideration when determining your premiums, such as your age, driving record, and location.

What young drivers in Kentucky need to know

Young drivers in Kentucky can face some of the highest car insurance rates in the country. Fortunately, there are ways for young drivers to lower their insurance premiums. One of them is by taking a defensive driving course. Responsible drivers may also be eligible for discounts such as good student discounts.

As a young driver, you can keep your car insurance costs down by shopping around for the best deals and maintaining a clean driving record.

At Carlay, we help young drivers find the lowest rates for their insurance coverage. The following is a breakdown of average annual car insurance rates in Kentucky by age:

Age Group Average Cost Annual Savings withCarlay
18-20 $2,845 $846
21-24 $2,750 $976
25-34 $2,513 $915
35-44 $2,598 $932
45-54 $2,470 $850
55-64 $2,164 $837
65+ $2,193 $625
  • Cost to insure your car in Kentucky with a poor driving record

Like many other states, Kentucky uses your driving history to help decide the rates you will receive for your car insurance. If you have a DUI or have gotten a speeding ticket, your rates can be higher than drivers who have a clean driving record.

You may have to pay higher insurance premiums if you have previous infractions and claims because the insurance companies will consider you a high-risk driver. Don't worry, though, Carlay works with drivers with previous driving infractions to find the best rates for the coverage they need.

Here are Carlay's best rates for drivers with less-than-perfect driving records:

Driving Violation Average Cost Annual Savings withCarlay
Clean Record $2,966 $976
Wrong Way/Wrong Lane $6,996 $2,580
Vehicle Theft $3,672 $2,156
Leaving scene of an Accident/Hit and Run $4,360 $1,877
DUI $3,597 $1,605
Failure to Obey Traffic Sign $2,891 $1,115
Suspension $2,640 $1,083
Speeding under 15 $3,103 $1,031
Speeding over 15 $4,611 $1,020
Careless Driving $3,221 $932
  • Cost to insure your car in Kentucky based on where you live

Residents of Kentucky pay higher insurance premiums than the rest of the country as a whole, but your specific premium depends on your zip code.

For instance, the highest car insurance premiums in Kentucky are found in Louisville and Fort Cambpell. On the other hand, Lexington has the lowest car insurance rates in the state.

Good news for Kentucky residents: Carlay offers you competitively priced car insurance. Here are some of the lowest rates we could find for Kentucky residents:

City Average Cost Annual Savings withCarlay
Berea $2,743 $1,244
Cave City $2,596 $719
Fort Campbell $3,039 $1,207
Franklin $2,168 $761
Georgetown $2,527 $818
Leitchfield $3,261 $1,414
Lexington $2,548 $881
Louisville $2,932 $976
Murray $2,507 $992
  • Cost to insure your car in Kentucky based on the type of car you drive

In addition to your driving record and credit rating, insurance companies also will set rates based on the car you drive. As a general rule, more expensive cars with more powerful engines and a higher likelihood of being stolen do cost more to insure.

If you drive a Nissan Altima in Kentucky, you can expect relatively low car insurance premiums because the car is less expensive to repair and maintain and cost less in part to buy new. Sitting behind the wheel of a luxury car like a Genesis G80 will cost you more each year in insurance premiums. This is because it costs insurers more to pay claims if you drive this type of vehicle.

Here's a list of some of the most common cars in Kentucky, along with their typical insurance quotes from Carlay:

How to Save Money On Car Insurance in Kentucky?

In Kentucky, car insurance premiums are higher than the national average, but you can save money by comparison shopping.

  • Shop around for quotes

Car insurance can be expensive, but there are things you can do to lower your rates. Shopping for quotes is one of the easiest ways to save money on car insurance. However, with so many models and features out there, comparison shopping can be time-consuming.

Fortunately, Carlay is at your service! Carlay is a free app that helps you find cheap car insurance, including quotes from 50+ companies. When you find a policy that meets your needs, Carlay can help with canceling your old policy and handling all the changeovers. Here's the deal: Carlay users save an average of $879 on car insurance.

Additionally, Carlay keeps constant track of rates for its customers by sending new quotes for renewal each time their policy is up.

  • Look for discounts

Car insurance companies often provide discounts, but they aren't always easy to find on providers' websites, so it's a good idea to ask your insurance agent.

Here is a list of popular discounts in Kentucky:

Some Kentucky providers offer discounts for things you may already qualify for, such as homeownership, marital status, and affiliation with certain organizations.

  • Increase your deductible

You can save money on your premium by increasing your deductible, which is the amount you pay before your insurance kicks in once you file a claim. Think carefully before agreeing to a deductible that's lower than your monthly savings. Paying a higher deductible than your monthly savings will mean you'll be on the hook for more money if an accident occurs.

Registering Your Car in Kentucky

When you register a car in Kentucky, you need to provide the following information:

  • A driver's license or ID card
  • A car title or signed lease agreement
  • Vehicle inspection certificate
  • Bill of sale
  • Payment and fees

Save time by making an appointment before visiting your DMV. Check all the documents and information you need on their website so that you can avoid potential delays.

Kentucky drivers must renew their vehicle registrations annually.