Kentucky Car Insurance Rules

The average auto insurance premiums in Kentucky slightly exceed the national averages for both minimum state-required coverage and full coverage policies. Kentucky features unique vehicle insurance regulations and price discrepancies that are worth exploring. The state has an uninsured driver rate of 13.9%, which is also above the national average. Additionally, the average annual mileage driven by Kentuckians is 16,305 miles, surpassing the U.S. average.

Kentucky Automobile Insurance Laws

Kentucky Presented in PicturesBasic liability requirements are as follows;

  • $25,000 for bodily injury per person.
  • $50,000 total for bodily injury per accident.
  • $25,000 for property damage.

Or a policy with a $60,000 single liability limit is acceptable.

Kentucky’s Motor Vehicle Reparations Act, known as the No-Fault Law, includes two key components: Personal Injury Protection (PIP) coverage and limitations on an individual’s right to sue and be sued (tort rights). PIP coverage is required for all cars, providing up to $10,000 per person for medical expenses and lost wages due to an accident. Tort rights are limited, preventing lawsuits for certain injuries unless they exceed specific thresholds such as $1,000 in medical expenses or permanent injury. Individuals can reject these limitations in writing, but if an entire household rejects them, guest PIP coverage is needed. Rejecting limitations might lead to higher liability premiums as others can sue for injuries not meeting the threshold. Read more here

Penalties for getting caught without car insurance coverage are a fine up to $1,000, jail sentence up to 90 days or both and revocation of vehicle registration.

Vehicle Insurance Prices in Kentucky

The average cost of minimum state-required car insurance coverage in Kentucky is $678, which is $56 higher than the US average. The average cost of a full coverage policy follows the same pattern as it is $2,124 and comes $120 over the national average.

State you live in affects your vehicle insurance premiums substantially. Even if you are a very good driver, if the base rates are high your starting point is high and the only thing you can do is to make sure you qualify for as many discounts as possible and shop around harder.

Kentucky has hazardous rural roads prone to collisions and encounters with wildlife, including wild elk. So, adding Collision and Comprehensive coverage can help you when you get a surprise and hit an animal or swerve and hit a tree.

Cheapest Auto Insurers in The Bluegrass State

Getting a few vehicle insurance quotes from below carriers known to be competitive in this state and several others will allow motorists to have an indepth comparison. The provided list includes a diverse range of insurers within the state, enhancing the likelihood of discovering more favorable deals through thorough and attentive searching.

  1. Kentucky Farm Bureau
  2. State Farm
  3. Auto-Owners
  4. Travelers
  5. Shelter Insurance

In Kentucky cities, the conventional belief that rates are pricier in urban areas and cheaper in rural regions doesn’t hold true. In certain rural towns such as Salyersville and Paintsville, auto insurance costs can surpass the state average by over 30%. Conversely, Louisville, the largest city with a population exceeding 630,000, only sees drivers paying 9% above the state average for car insurance. Lexington, the second-largest city with over 320,000 residents, performs even better, boasting 17% lower premiums for drivers. This discrepancy might stem from heightened competition in the city, facilitated by a widespread presence of insurance agents.

Kentucky Automobile Insurance and Driving Facts

  1. In this state, vehicle insurers must offer a minimum Uninsured Motorist Bodily Injury coverage of $25,000 per person and $50,000 per accident or a single limit of $60,000 for Bodily Injury and Property Damage. However, policyholders have the option to reject this coverage. This coverage can help cover medical expenses and related costs for you and your passengers in an accident caused by an uninsured driver.
  2. Out-of-state vehicles must be registered in Kentucky within 15 days of permanently moving to this state. This is one of the shortest periods allowed. You will need proof of insurance to register your automobile.
  3. Kentucky’s unique law mandates that if you have Comprehensive coverage your auto insurance must include full deductible-free glass coverage, including windshield.
  4. Kentucky’s driving record reveals troubling statistics: it ranks fourth for fatal accidents due to distracted driving, eighth for accidents involving drowsy drivers, and ninth for accidents caused by wrong-way driving. Consequently, KY is among the top five states with the worst drivers in the country.
  5. This state also exhibits one of the highest rates of weather-related fatal crashes in the nation, with approximately 84% of these incidents attributed to rain.
  6. As per kentucky.com, KY ranks as the third largest state in the nation for automotive production, trailing only Michigan and Ohio in annual vehicle output. The state hosts approximately 490 automotive manufacturing firms and related sites that manufacture automobiles, trucks, and their components for global distribution.
  7. Kentucky provides a plethora of delights for drivers, including scenic byways, the renowned Kentucky Bourbon Trail, and opportunities for off-roading adventures, ensuring numerous hours of pleasurable driving experiences.

Kentucky holds unexpected cost variations in auto insurance, highlighting the importance of avoiding assumptions and instead verifying through practical means like obtaining multiple car insurance quotes. This process is straightforward and aids in making informed decisions.