Popular Questions About Kentucky Car Insurance

How much does Kentucky car insurance cost?

Kentucky car insurance rates rank slightly higher than the national average, but independent insurance agents can help you find the best rates on the coverage you need.

The average driver in America pays $1,474 per year for car insurance. In Kentucky, the average rate is $1,503. Take time to look for the best rates by comparing quotes before you choose a policy.

What does Kentucky car insurance actually do for me?

Accidents can happen in the blink of an eye. If an accident happens to you, having auto insurance will make a huge difference. Here’s a look at some of the ways car insurance can help you …

FIX YOUR CAR

We officially call this “Comprehensive & Collision Coverage.”

NOT REQUIRED

FIX SOMEONE ELSE’S CAR

We officially call this “Property Damage Liability.”

REQUIRED | MIN. $10,000

PAY YOUR MEDICAL BILLS

We officially call this “Personal Injury Protection” or “PIP.”

REQUIRED | MIN. $25,000

PAY SOMEONE ELSE’S MED BILLS

We officially call this “Bodily Injury Liability.”

REQUIRED | MIN. $50,000

Every Kentucky driver needs a certain level of auto coverage in case of accidents. State law mandates car insurance so that drivers have the funds to pay for damage to someone else’s vehicle or cover medical costs after an accident.

Who pays if the accident wasn’t my fault?

The driver who caused the accident, of course.

How many KY drivers are uninsured:

15.8%

There is a serious problem that all drivers have to think about: Sometimes people drive without any insurance. That means you could be at serious risk if you are hit by a driver who isn’t insured. Since Kentucky has a very high uninsured driver rate, you need to make sure you’re protected if you get into an accident with one of them.

Uninsured motorist coverage gives you a backup plan, stepping in to pay for car repairs and medical bills if you get into an accident with a driver who doesn’t have car insurance.

Which are the best insurance companies in Kentucky?

An independent insurance agent compares policies from multiple companies to find the best coverage for your needs.

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