Car Insurance in Kentucky: How to Find the Policy That Fits You
MoneyGeek has performed comprehensive research to get the necessary information for all your auto insurance requirements.
- I’m in Kentucky and I’m looking to find either the cheapest car insurance, the best service and claims experience or a balance of quality and affordability.
- I’m looking to get a Kentucky car insurance quote or estimate now.
- I want to learn more about how much car insurance is required in Kentucky.
- I want to learn more about specialty insurance policies for those with low income, those who don’t own a car or those who only need car insurance temporarily.
Find the Best or Cheapest Car Insurance in Kentucky
MoneyGeek’s unique scoring system ranks the best companies in Kentucky that balance cost and quality service. We also evaluated several quotes to find the cheapest car insurance companies in Kentucky.
If you’re looking for a breakdown of overall insurance costs, our analysis provides an estimate of how much you can expect to pay and how factors, such as your age and driving record, can impact premium rates.
Our findings highlight the cheapest and best auto insurance companies for drivers from various backgrounds. The table below provides a brief overview of what you can expect. All recommendations made below are for full coverage policies, unless otherwise specified.
- Minimum liability: State Farm
- Full coverage: State Farm
- Drivers with a DUI: State Farm
- After an accident: State Farm
- Drivers with a ticket: State Farm
- Drivers with bad credit: State Farm
- Senior drivers: State Farm
- Student drivers: Allstate
- Overall: State Farm
- Customer Service: Erie
- On a Budget: State Farm
- Poor Driving Record: State Farm
- Military: USAA
- Young Drivers: State Farm
- New Cars: Travelers
- Low-Mileage Drivers: Nationwide
Get a Kentucky Car Insurance Quote
Kentucky residents would benefit from comparing quotes from multiple providers to save on insurance costs. MoneyGeek’s research found that if you’re looking for car insurance in Kentucky, your rates may vary by as much as $1,427 per year depending on the provider. Comparing rates can potentially save you money.
Car Insurance Laws in Kentucky
MoneyGeek explains the state minimum requirements in Kentucky. As per Kentucky laws, all drivers must have auto insurance with the following liability coverage:
- $25,000 for bodily injury per person
- $50,000 for bodily injury per accident
- $25,000 for property damage per accident
- $10,000 for personal injury protection per person
In Kentucky, the state minimum coverage can only protect you up to these financial limits. It may not be enough to protect you in all circumstances, like an accident. You can use MoneyGeek’s guide to evaluate how much car insurance you need in Kentucky.
Specialty Car Insurance in Kentucky
Conventional car insurance may not be the best fit for every Kentucky driver. You can use MoneyGeek’s guide to explore other options to meet your needs. Below, learn more about unique coverages like non-owner car insurance and temporary car insurance. Unfortunately, car insurance unique to low-income drivers is not available in Kentucky.
MoneyGeek Specialty Car Insurance Resources
Non-owner car insurance
Non-owner car insurance in Kentucky is ideal for drivers who borrow, rent or use car-sharing services regularly. It is also a good option for those who want to reinstate their license.
Temporary car insurance
If you only need insurance for a few months, you can purchase temporary car insurance in Kentucky. It is ideal for drivers who are visiting Kentucky. If you’re renting a car, you would benefit from rental car insurance.
Car insurance for low-income drivers
You can use MoneyGeek’s guide to save on insurance premiums in Kentucky since the state does not have any programs for low-income drivers.
About the Author
