Kentucky Car Insurance - Auto Insurance Quote in KY
Getting the best auto coverage in Kentucky is a breeze with CarInsurance.com, especially in a great state known for many things, including being the home of the Kentucky Derby. The Derby, which is held the first Saturday in May at Churchill Downs, is the oldest continuously held horse race in the United States.
| Current average car insurance premium in Kentucky | $1,726.53 |
| Current average car insurance premium U.S. | $1,998.23 |
| Lexington | $1,595.24 |
| Louisville | $1,969.22 |
| Check out our car insurance rates in more Kentucky cities | |
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Curious about how insurance quotes in Kentucky have been trending? Look no further than CarInsurance.com's Average Premium Trend Tool, which displays rate changes in the past few months. Just use your mouse to follow the trends in Kentucky's annual average premium, which has historically been somewhat higher than the nationwide average.
Top-rated carriers at this website that can give all the details necessary to secure auto insurance just right you. Kentucky residents should begin by considering the minimum insurance requirements (as determined by law) and then decide if they want additional coverage. CarInsurance.com has various tools and features that can help. We'll also let you know what other Kentucky drivers are paying for their policies.
Kentucky state law requires minimum Bodily Injury Liability limits of $25,000 per injured person up to a total of $50,000 per accident, and Property Damage Liability coverage with a minimum limit of $10,000. This basic coverage is often referred to as 25/50/10 coverage.
Minimum Required Insurance Coverage in Kentucky*
Bodily Injury Liability: $25,000/$50,000 Limit
Property Damage Liability: $10,000 Limit
*Personal Injury Protection: $10,000 Limit
*Choice to purchase based on the no-fault system or tort system
The state of Kentucky follows a Choice No-Fault system, meaning drivers may reject the No-Fault system options and retain the right to sue (Tort system) for any auto-related injury.
You can get Uninsured/Underinsured Motorist Bodily Injury coverage to cover bodily injury caused by an uninsured and/or underinsured driver (depending on the state). Kentucky does not require drivers to purchase this coverage, but you should consider purchasing this valuable coverage.
When you get a quote at CarInsurance.com, our coverage tools will offer the Minimum State Required package and more wide-ranging coverage packages. Of you can customize every limit and deductible to respond directly to your individual needs. If you want help along the way, CarInsurance.com's insurance agents are licensed in Kentucky and available during the entire quote and purchase process.
Kentucky residents should know that there can be a significant difference in what one insurance company will charge for coverage over another. With all the competition out there, it just makes sense to do comparison shopping. We can assist you at CarInsurance.com.
Kentucky car thieves favor the models below. If you buy one, expect to pay more for your car insurance.
