Car Insurance Policy Limits, Premiums and State-by-State Comparisons

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For Car Insurance Policy Limits in every U.S. state, visit the links shown below.

Or scroll down for the latest stats on Kentucky car insurance. This valuable info will help Kentucky drivers customize the optimal auto insurance package.

Auto Insurance Rates in Kentucky

The Average Annual Auto Insurance Premium for drivers in the state of Kentucky was $1,295 last year. This is not too far off from the national average at the time, which was about $1,347.

The state of Kentucky has a higher than average rate of uninsured vehicles. Statistical reports reveal a connection between the number of uninsured vehicles on the roads and the rate of fatalities caused by speeding. 

Also, Kentucky is a “no-fault” state. This means that insurance carriers in Kentucky will cover damages regardless of who is at fault. No-fault states tend to have higher premiums than "tort" states.

Penalties for Uninsured Kentucky Motorists

The penalty for driving without insurance in Kentucky is a fine of up to one thousand dollars and/or three months in jail for first offenders.

Repeat violations within a five year period result in fines of up to $2,500 and up to six months in jail. Still, roughly 18 percent of cars on Kentucky roads are uninsured.

Kentucky Car Insurance Liability Coverage

The minimum per-vehicle auto insurance required in Kentucky is $25,000 in Personal Injury Protection (better known as PIP), $50,000 in multiple injury protection (for others killed or injured), and $10,000 against property damage. Insurance agents call it 25/50/10.

However, most car insurance minimums do not cover the actual cost of an accident. Insurance analysts generally recommend 100/300 coverage for all cars driven in America. Uninsured Motorist Insurance is also recommended in most states.

Car Insurance Policy Limits and Discounts

Insurance carriers in Kentucky (and elsewhere) offer various discounts to encourage responsible driving habits. These can include Accident-Free Discounts, Good Driver Discounts, Good Student Discounts, Multiple Auto Discounts and Multiple Line Discounts, to name just a few.

Ask your local agents for complete details on discounts whenever you seek quotes on car insurance. Then compare quotes and choose the lowest priced premium package.

Auto Insurance Quotes in Kentucky

Recent online consumer reports show that America's favorite auto insurance companies are Allstate, Geico, Auto Owners Insurance, The Hartford, State Farm and 21st Century.

Also popular in Kentucky are nationally recognized firms like AMICA Mutual, Liberty Mutual and Encompass.

Some Kentucky drivers opt for small, local carriers like Kentucky Farm Bureau Insurance.

Overall, te state of Kentucky has dozens of car insurance carriers offering competitive rates. Call a handful of agents near you for quotes and further assistance. Be sure to grab every discount you can get.

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