Kentucky Car Insurance - Auto Insurance Quote in KY
Kentucky's State motto: "United we stand, divided we fall"
There are many ways to save money in Kentucky, but there is only one way to save money on your car insurance. CarInsurance.com offers the leading Online Insurance Marketplace™ where you can compare great rates and get the most affordable local car insurance available in Kentucky. By comparing rates from over a dozen insurance companies, you not only get the lowest rates, you also get a policy that fit your needs and protects you. We offer a convenient way to purchase your car insurance online after comparing rates, saving you time and money.
Kentucky Car Insurance Requirements
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.
Kentucky Insurance Coverage:
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 page will give you the option of choosing the Minimum State Required package, more wide-ranging coverage packages, or you can customize every limit and deductible to fit your needs. If that is too complicated, CarInsurance.com's insurance agents are licensed in Kentucky and available to help you all the way through the quote and purchase process.
Get local car insurance in all of Kentucky. Enter your zip code in the quote boxes on this page or follow this link to get an auto insurance quote now.
Local car insurance is available in all of Kentucky!
The average auto insurance premium for residents in Kentucky is $1,906 in 2009;
the national average is $1,793. Some people think the state and insurance companies fix the
rates, so they never shop around for better rates. Insurance companies segment their rates
differently so everyone's rate will be different with each company. You have to shop
around to see if you are saving money. CarInsurance.com helps you find the competitive
rates and discounted prices available in Kentucky, so average Kentuckians
can get a better-than-average rate on their auto insurance.
2009 has had an increase in auto insurance rates. It is
important to shop for car insurance so you get the best available rate! CarInsurance.com
brings competition directly to the consumer and we work to lower your costs through technology.
Even within the state of Kentucky, rates have changed over the past few years.
Comparing the current average car insurance rates, the average auto insurance premium
in Kentucky is 16% higher in 2009 than 2008. 2008 was 1% lower than 2007 in Kentucky.
Now is the perfect time to shop for new low rates on your auto insurance,
by requesting a quote online you could save hundreds instantly!
It doesn't matter if you have a perfect driving record or if you are a high-risk driver, we work hard to find you the best rates available in Kentucky. With all the statistics on auto theft and car crashes, it is important to protect yourself and your property. We are constantly adding new carriers to our site so you can compare the rates of many carriers and you can purchase in one spot. We offer a site where you can compare the rates of multiple, reliable companies and purchase immediately online, or over the phone. Enter your zip code above to see how much you can save in the Bluegrass State!
Looking for auto insurance for a different state? CarInsurance.com can give you quotes and rates for all 50 states and the District of Columbia. To find low cost car insurance rates in your state, enter the zip code above. For information on a different state, click on the state’s link below and get the information you need.