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Cheapest Car Insurance Rates In Kentucky (2018)

If you’re shopping for cheap auto insurance in Kentucky, you’ve probably noticed that there are dozens of companies that advertise low rates. What you may not know is that different insurance companies often cater to slightly different demographics of drivers, so the insurance quotes you see will vary greatly from one company to the next.

To help you separate the wheat from the chaff, our Geeks evaluated the insurance rates of nine top providers to find the most affordable premiums for the following driver categories:

No Recent AccidentsTeen Drivers
Drivers With A DUISenior Drivers

Best Rates For Drivers With No Recent Accidents

$127/month estimate

$197/month estimate

You’re probably aware that safe drivers tend to pay lower rates for auto insurance. The reason is simple—they’re statistically less likely to file a claim.

If you haven’t caused any accidents, you can probably qualify for very cheap auto insurance in Kentucky. State Farm stood out in our study as the most affordable carrier for drivers with a clean accident history.

Best Rates For Teen Drivers

$255/month estimate

It’s well known that teenagers are more accident-prone than drivers who have years of experience. Insurance companies take this into account when calculating monthly premiums. If you’re looking for cheap auto insurance for teen drivers in Kentucky, our study revealed that Allstate has very affordable rates.

Best Rates For Drivers With A DUI

$250/month estimate

Being convicted of DUI can affect your life for many years after your case has finalized. One of the most taxing of these effects is paying extra for car insurance. Fortunately, insurance companies have recognized that there is a huge number of drivers who have been convicted of DUI or DWI, so some carriers offer competitive rates for drivers in this category.

Best Rates For Senior Drivers

$78/month estimate

Our Geeks determined that State Farm has the most affordable auto insurance in Kentucky for senior drivers. Our test driver was 65 years old and had a clean record for the past five years with no major citations or at-fault collisions.

STUDY METHODOLOGY

The default motorist in our research was a 29 year old with a 2014 Toyota Corolla who drove 12,000 miles per year. Our researchers calculated the estimated monthly premiums based on data from females and males in five zip codes throughout Kentucky. The teen driver in our analysis was looking for the minimum required auto insurance coverage, but for all other categories, we used liability coverage limits of 50/100/25 and uninsured motorist coverage of 50/100/25.

What Is The Minimum Required Auto Insurance Coverage In Kentucky?

In Kentucky, all drivers are required to carry auto insurance that would cover at least $25,000 for bodily injuries to one person, $50,000 for bodily injuries caused in one accident, and $10,000 for damage to property. $10,000 in Personal Injury Protection (PIP) coverage per accident is also required.

Kentucky Car Insurance FAQs

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

You might think you can lay low and avoid trouble if you’re driving without car insurance. But authorities in Kentucky now require all insurers to submit detailed records of their policyholders. If your vehicle shows up as uninsured after being pulled over, you could face steep fines and possible incarceration.

The First Offense

If you’re caught driving without proof of insurance, your registration will be suspended for a year. However, if you are able to present proof of insurance to the court at a later date – such as a written notice from your insurance agent or documents detailing an up-to-date insurance policy – your registration will be reinstated. Failing that, you will be fined up to $1,000 and may even have to spend up to three months behind bars.

Remember, even if you’re lucky on the road, Kentucky’s “all-seeing eye” – the state’s high-tech regular monitoring – may still detect that your vehicle is uninsured. In this scenario, you’ll receive an Uninsured Notice and will have 30 days to present proof of coverage in the form of a notice from your insurer or a copy of your policy. Again, failing that, you will face the same hefty fines and possible incarceration as you would if you were caught on the road.

Repeat Offenses

The serial offender is a soft target for officials in Kentucky. Didn’t learn your lesson after your first offense? The state will make sure you remember the risks of driving without coverage again.

If you’re caught on the road driving without liability coverage within five years of your previous offense and are unable to present proof of insurance to the court, you will be ordered to pay between $1,000 to $2,500 in fines. You might also be sentenced to serve up to three months behind bars.

But it gets even worse. Not only will your registration be suspended for a year, but authorities may also revoke your driver’s license.

If you’re detected by the state’s monitoring system and cannot present proof of liability coverage within the 30-day period, you will face the same fines, may face prison time and, again, may have your driver’s license revoked.

What Does It Mean That Kentucky Is a “No-Fault” Insurance State?

Kentucky is one of the few “no-fault” insurance states. That means you can file a claim against your own insurance provider to cover part of your medical expenses and lost wages no matter who was at fault for the crash. However, the amount paid out for lost wages is capped at $200 per week.

Common Mistakes To Avoid When Filing A Car Insurance Claim

1. Waiting Too Long To File Your Claim

A successful claim lives or dies on the back of evidence collected from the scene of the crash. Dragging your heels will bring down the entire investigation, leaving your insurance company with too little fresh information to comb through and not enough reasons to exempt you from blame and pay out your claim.

Contact your insurance company and file the relevant documentation as soon as possible in the aftermath of an accident.

2. Admitting Fault

It might look like it was your fault, but you should never take the blame. Jumping to conclusions after a crash could derail your future claim and could see you paying your repair bill and medical expenses out of your own pocket.

After an accident, stick to the necessities: call the police, take down the relevant information, snap a few pictures and quiz any witnesses nearby. Do not admit fault.

3. Not Following Up With The Insurance Company

Once you’ve filed your insurance claim, don’t forget about it. It pays to follow up on the progress of your claim to ensure it doesn’t fall through the cracks. Plus, knowing exactly when your claim will be processed and paid out will help cut down on the anxiety, confusion and stress.

Should I Raise My Car Insurance Liability Limits?

Minimum insurance limits pay for basic costs incurred in a crash. These limits can be exhausted quickly if you are involved in an accident with multiple injured parties, where there are many claimants, or if your crash caused significant property damage, and the repair costs go through the roof. In that case, you may be on the hook to cover the balance from your own pocket.

Are There Any Additional Car Insurance Options in Kentucky?

In addition to the minimum required coverage, insurers may offer you a range of other insurance options to ensure you are protected in the event of a serious crash:

  • Collision coverage pays for repairs to your vehicle after a collision with another object;
  • Comprehensive coverage protects you from damages to your car from events other than a crash – such as fire, vandalism, or theft;
  • Underinsured motorist cover pays for your medical treatment costs once they exceed the policy limits of the at-fault driver; and
  • Uninsured motorist coverage pays your hospital bills if the negligent driver is either uninsured or unidentified, such as in the event of a hit-and-run.

Factors That Determine Your Car Insurance Premium in Kentucky

Kentucky car insurance companies are allowed to determine your rates by taking many factors into consideration. These criteria include:

  • The make and model of the car you drive;
  • The number of drivers on your policy, and their ages;
  • Your driving record and history of traffic violations;
  • How near your home is to the nearest hospital;
  • The average number of accidents in your area;
  • Your credit score;
  • Your area’s population density; and
  • Typical car repair rates in your area.

Do I Qualify for Car Insurance Discounts in Kentucky?

You may qualify for insurance discounts in Kentucky if you possess multiple policies, keep within low-mileage limits, install an anti-theft device, can show you are a good student or are able to prove you have a history of safe, defensive driving habits.

What Is Car Insurance Fraud?

Car insurance fraud involves misleading insurers to make larger than appropriate payouts. You may be guilty of car insurance fraud if you:

  • Stage a car accident;
  • Make a false claim of injury;
  • Claim your vehicle has been stolen;
  • State an accident occurred after a policy or coverage was purchased;
  • Make a false claim for damage that existed prior to the crash; or
  • Mislead the authorities or your insurer about who was driving at the time of the accident.

What Are Kentucky’s Texting While Driving Laws?

In Kentucky, all drivers are prohibited from texting while driving. This is because texting takes your eyes, mind, and hands away from the act of driving safely. You may, however, use your phone while driving to make and receive calls and to use its GPS service.

Drivers under the age of 18 are banned from any use of a mobile device while driving. Teen drivers may use their phone’s GPS function but must type the required information only once their vehicle is standing still.

Kentucky’s Points System Explained

Kentucky’s Division of Driver Licensing (DDL) point system is designed to deter drivers from risky behaviors. It also helps the state identify drivers who habitually violate the rules of the road.

If you are over the age of 18 and collect 12 or more points, you will be ordered to appear at a Kentucky Transportation Cabinet hearing, where the authorities will consider whether to suspend your driving license.

Failing to yield, driving down the wrong way on a one-way street, or traveling too fast for conditions are each worth three points. Following too closely behind another vehicle, driving recklessly, and failing to yield to an emergency vehicle are worth four points each.

Passing someone improperly will earn you five points, and traveling 16 to 25 mph over the posted speed limit is worth six points. A combination of any two or more moving hazardous violations in any one continuous occurrence will also collect you a total of six points.

Accumulating points on your record can cause your car insurance premium to skyrocket.

Kentucky’s Traffic Safety Laws

Kentucky’s primary seat belt law means that anyone driving a moving vehicle must wear a seat belt, and so must their passengers. Only three categories of persons are exempt from this rule:

  1. USPS letter carriers, while on duty;
  2. Drivers or passengers with disabilities that make it unsafe to wear a seatbelt, in possession of a letter from their physician to that effect; and
  3. Children, who are properly restrained in child safety seats.

Car Accidents in Kentucky: The Statistics

A total of 782 fatalities were recorded on Kentucky roads in 2017, according to the latest research by the National Highway Traffic Safety Administration. That reflects a decline of 6.2 percent from the year before.
Between 2003 and 2012, 2,041 people were killed in crashes involving a drunk driver in Kentucky, according to data collected by the Centers for Disease Control and Prevention.
In Kentucky in 2014, there were over 53,500 crashes due to distracted driving. These resulted in over 14,000 injuries and 169 fatalities, according to the state Department of Transportation.

 

 

 

cheapest car insurance in kentucky

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Car Insurance FAQs
How Can I Get My Car Insurance Premiums Reduced? Should I Buy Uninsured Motorist Coverage? What Factors Affect My Auto Insurance Rates? When Can My Car Insurance Company Increase My Premiums? What Are Common Reasons Why Car Insurance Claims Are Denied?