Car Insurance in Kentucky – Cheapest Car Insurance Companies in Kentucky

Kentucky is a state in the southeastern region of the United States; it is known for its distinct culture, which features horse racing, tobacco, and Kentucky fried chicken.

Car Insurance in Kentucky: Cheapest Car Insurance Companies in Kentucky

Kentucky is a fantastic state with something for everyone, whether driving to the state park or camp tripping. However, car insurance coverage must be part of the deal to help protect you while you are out having fun.

Kentucky Car Insurance Laws

Kentucky is known as a “choice no-fault” state, this means Kentucky drivers can decide to sue after an accident by opting out of the state’s no-fault insurance system.

A no-fault system that Kentucky operates is designed for drivers to pay for their injuries and their passenger’s injuries in the case of an accident, regardless of who caused the accident.

Furthermore, a no-fault state like Kentucky generally restricts you from getting payment for damages done to you from someone who was at fault unless the injuries exceed a certain way.

The no-fault system does not take place when the injured party breaks a bone, suffers a permanent injury/disfigurement, or even dies.

Kentucky, however, does not impose the no-fault law on its citizens as they can opt out of the no-fault system during insurance purchase.

Drivers who opt out of the system during purchase are open to lawsuits when they cause an accident, while it also allows them to sue an at-fault driver during an accident.

Kentucky Car Insurance Requirements

Kentucky requires all its drivers to carry the appropriate insurance when driving their registered vehicles.

The car insurance must meet the minimum liability coverage limits, and they are also required to carry personal injury protection coverage.

Below are examples of the car insurance coverages you need in Kentucky:

Bodily Injury Liability Coverage: This coverage provides financial protection in an accident by paying for medical services.

It is required by law, costing $25,000 bodily injury per person and $50,000 bodily injury per accident.

Property Damage Liability Coverage: This coverage helps to replace or repair the property of others damaged in an accident you caused.

It is required by law and costs $25,000 for property damage per accident.

Uninsured/Underinsured Motorist Coverage: This coverage helps pay the medical bills in an accident where the driver has little or no insurance.

This insurance is not required by law; however, it is sometimes included in some policies. You can reject it in writing.

Personal Injury Protection Coverage: This helps pay for all medical bills of injured persons in an accident, regardless of who caused the accident.

This insurance is required by law, and it costs $10,000.

Collision Coverage: This coverage helps repair or replace vehicles involved in a collision accident with objects and other cars.

It is not required by law and can be completely ignored, except if you wish to have full coverage insurance.

Comprehensive Coverage: This coverage helps in the repairing and replacement of damaged vehicles involved in an accident caused by nature, such as fire, flood, hail, and others.

It is optional and not required by law except if you opt for full coverage insurance.

Cheapest Car Insurance Companies in Kentucky

The cheapest car insurance companies in Kentucky are listed below:

  • Geico with an overall rating of 9.1: this is best for budget-conscious drivers
  • State Farm with an overall rating of 9.4: this is the best for most drivers
  • USAA with an overall rating of 9.2: this is the best for military members
  • Auto-Owners with an overall of 8.9: This is the best for young drivers
  • Travelers with an overall rating of 9.5: this is the best for drivers looking for all coverage options

These insurance companies are the cheapest you can get in Kentucky.


Is Driving Without Car Insurance Legal?

Driving without car insurance is illegal as the state requires car insurance for all drivers. Failure to possess them upon requirement can lead to penalties.

What are the Penalties for Driving Without Car Insurance in Kentucky?

The penalty for driving without car insurance in Kentucky depends on certain factors and the grievousness of the action, as some drivers may have invalid, expired, or suspended car insurance.

The penalty may be a little and severe, ranging from heavy fines and license suspension to spending time in jail.

What Determines How Expensive my Car Insurance will be?

Several factors determine the price of your car insurance. Below are some of them:

  • Your type of coverage
  • The model, year, and make of your vehicle
  • Your location
  • Your driving records
  • Your credit history

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