Cheap car insurance in Kentucky

Cheap car insurance in Kentucky

It is mandatory to get car insurance in Kentucky for drivers to drive legally in the state. Different companies in Kentucky provide car insurance at different rates. According to data gathered by MyMoneyMyQuotes following are the cheap car insurance providers that offer car insurance at affordable rates in Kentucky:

Name of the Company Average annual car insurance premiums
Kentucky Farm Bureau $1163
USAA $1460
Westfield $1486
Travelers $1652
State Farm $1670
Cincinnati Insurance $1821
Motorists Mutual $1853
GEICO $2101
Grange Mutual $2298
Electric $2326
Nationwide $2565
State Auto $2704
Progressive $3007
Safe Auto $3086
SAFECO $3087
Shelter $3532
Allstate $3963
Metropolitan $4436
Encompass $9558

Cheap car insurance in Kentucky for good drivers 

Car insurance companies may charge high car insurance premiums from drivers in Kentucky with histories of speeding tickets, at-fault accidents, or DUI citations. Car insurance companies in Kentucky provide discounts on car insurance premiums to those who have a good driving history but discount rates vary from company to company. You can save money on a car insurance policy in Kentucky by maintaining a good driving record. Most auto insurance companies in Kentucky provide a 5-10% good driver discount to those having a good driving history without violations.

  • Drivers with no traffic ticket may save $410 on car insurance premiums in Kentucky.
  •  Drivers may save $1109 on car insurance premiums if they have an accident-free record in Kentucky.
  •  By maintaining a good credit history you may save $2504 on car insurance premiums in Kentucky. 

Cheap car insurance for inexperienced drivers in Kentucky

Most auto insurance providers may charge high auto insurance premiums in Kentucky from young or inexperienced drivers because inexperienced drivers are riskier for auto insurance companies than experienced drivers.  Auto insurance premiums in Kentucky vary according to the age of the drivers. Some companies charge high auto insurance costs from young drivers in Kentucky. 

Age   Average annual auto insurance premiums with parents Average annual auto insurance premiums for young drivers alone
16 $7222 $12059
17 $6904 $9320
18 $6955 $7725
19 $5980 $4883

Affordable auto insurance in Kentucky for high-risk drivers

Car insurance companies in Kentucky charge high auto insurance premiums from those drivers who have a bad driving history as compared to the drivers those who have no at-fault accidents, speeding tickets, or DUIs. Drivers with a good driving record in Kentucky can save money on auto insurance policies because auto insurance companies check the driving record of the past 3 to 5 years to decide the car insurance cost. Drivers with a good driving history in Kentucky may get discounts on car insurance policies.

Rating factor                    Average annual car insurance premium
At-Fault Accident $3168
DUI $3139
Speeding Violation $2470
Bad Credit $4563

Best car insurance companies in Kentucky

Car insurance prices in Kentucky may vary from company to company. Some companies in Kentucky charge lower car insurance premiums than others. To get the best auto insurance policy in Kentucky you should check the reputation and services of the insurance companies because finding an affordable car insurance policy is not just enough. You can find the best auto insurance company in Kentucky by comparing car insurance quotes from different car insurance providers. According to the data gathered by the MyMoneyMyQuotes following are the best car insurance providers in Kentucky:

  1. Allstate
  2. Auto-Owners
  3. Cincinnati Insurance
  4. Electric
  5. GEICO
  6. Kentucky Farm Bureau
  7. Liberty Mutual
  8. MetLife
  9. Motorists Mutual
  10. Nationwide
  11. Progressive
  12. Shelter
  13. State Farm
  14. Travelers
  15. USAA

What auto insurance coverage is mandatory to purchase for drivers in Kentucky?

The average annual cost to get the minimum required coverage in Kentucky may be around $1066.  The minimum required coverage for drivers in Kentucky to drive legally in the state is:

Coverage type Coverage limit
Bodily injury coverage per person $25000
Bodily injury per accident $50000
Property damage per accident $10000

 The state minimum auto insurance requirements in Kentucky

The state minimum auto insurance coverage requirement in Kentucky is liability coverage.

  1. $25000 bodily injury coverage per person is required in Kentucky.
  2. $50000 bodily injury coverage per accident is required in Kentucky.
  3. $10000 property damage coverage per accident is required in Kentucky.

Other types of optional coverages in Kentucky are:

  1. Comprehensive
  2. Collision
  3. Roadside Assistance
  4. Loan/Lease Payoff
  5. Rental Car Reimbursement
  6. Uninsured Motorist Property Damage
  7. Medical and Funeral Services
  8. Uninsured Motorist Property Damage
  9. Additional Personal Injury Protection
  10. Guest Personal Injury Protection

Fine for driving without car insurance in Kentucky

If anyone caught driving without a car insurance policy in Kentucky then police may charge a fine.

Car insurance prices by cities in Kentucky

Car insurance premiums in Kentucky may vary from city to city. In some cities of Kentucky, car insurance prices are high compared to others.

City                               Average annual insurance premiums
Louisville $2528
Jeffersontown $1933
Radcliff $1822
Madisonville $1811
Ashland $1809
Elizabethtown $1790
Murray $1785
Henderson $1775
Danville $1754
Frankfort $1747
Winchester $1740
Georgetown $1735
Hopkinsville $1708
Nicholasville $1707
Covington $1698
Lexington $1695
Richmond $1684
Florence $1660
Independence $1655
Bowling Green $1651
Owensboro $1600
Fort Thomas $1586

If you are looking for a car insurance deal in Kentucky, you can compare  car insurance quotes provided for free by MyMoneyMyQuotes.com to get yourself the best possible deal.

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