Kentucky has one the highest fatality rates in America. Even if you drive safely, accidents can still happen in Kentucky. Drunk drivers and rain are the leading causes of automobile-related death in Kentucky. It is important to check your Kentucky coverage to ensure that you and your vehicle are adequately covered.
According to Bankrate’s 2021 study, which included annual premiums quoted by Quadrant Information Services, the average cost of car insurance for Kentucky was $2,128 annually. Compare quotes from multiple providers to find the best car insurance options. You can also get an estimate of the amount you should pay, as well as the balance between your premium and deductible.
Kentucky’s best car insurance companies
J.D. J.D. Power’s ratings provide insight into the best Kentucky car insurance when you are searching for the best value for money. These insurance companies are listed according to customer satisfaction and the level of coverage.
Allstate was awarded 846/1000 points from J.D. Customer satisfaction scores across all communication channels and claims processes. Allstate offers discounts to help lower your premiums, even though Kentucky drivers tend to pay a higher price for full coverage at $3,515. Some discounts include discounts for students, teens, drivers who are safe and new cars.
Kentucky Farm Bureau Insurance
Farm Bureau is an option for drivers who have had speeding tickets and accidents in the past. Customer reviews are favorable about premiums for drivers with a poor driving record. You must be a member to receive discounts, including driver training, accident-free driving, and student savings. You will have access to financial and other services, as well as exclusive discounts.
State Farm is the largest provider of car insurance in the United States and offers the lowest premiums in Kentucky for full-coverage car insurance. Steer Clear is an app that can be downloaded and signed up by young drivers who usually pay more for their car insurance. New Kentucky drivers can save money on their car insurance by avoiding accidents and claims for three consecutive years. They also have the option to use the app’s tips for safer driving.
Although Progressive Insurance’s Kentucky premiums are higher than those of other carriers, there are still ways to lower your rates. There are two ways to save money: bundle home and renter coverage with auto insurance, or sign up for the Snapshot driver track program.
USAA is #1 in Kentucky for car insurance and tops the customer satisfaction list. USAA auto insurance isn’t available to all. Active military personnel, veterans, and retired military personnel are eligible for membership.
Kentucky average car insurance costs
For full coverage, the average cost for Kentucky car insurance costs $2,128 per year. On average, Kentucky drivers pay just over $400 more than $1,738, however, you could pay less or more depending on many rate factors such as your driving record and age.
Kentucky’s minimum state insurance requirements
- Limits on bodily injury liability are $25,000 per person, $50,000 per accident
- Property damage liability must not exceed $25,000.
Basic reparations benefits must be included in insurance policies. Instead, a policy can be issued with a limit of $60,000
Even if you’re on a tight budget, look for full coverage premiums. Many drivers make the mistake of believing that getting the minimum coverage will save them money. It is wiser to be protected from any accident, especially when you consider the out-of pocket costs of no-fault accidents.
How to get the best car coverage
Finding the right car insurance company can be difficult and time-consuming due to the many options available. The best way to make it easier is to assess your needs and take into account your geographical location.
- Assess your needs. Your circumstances will determine which car insurance policy is right for you. If you’re looking for car insurance that offers a discount on new cars, it might be worth checking. You should also look into bundling options if your home is insured.
- State factors Kentucky receives approximately 48 inches per year. This is higher than the national average 38. Kentucky drivers face rainy or snowy weather conditions, depending on the season. This may be a reason to consider adding roadside assistance and tire/wheel protection to your coverage.
Uninsured motorist coverage can also be a great option to protect yourself and your passengers in the event of an accident with uninsured drivers.
Kentucky offers car insurance discounts
- Multicar: Do you have a second vehicle in your family? Multicar: Adding multiple vehicles to a policy can help you save on premiums.
- Safe driver: Higher-risk drivers pay higher premiums. DUIs are one the leading causes of death in Kentucky, as we have already mentioned. You may be eligible for lower rates if you have not been involved in any accidents or claims within the past three years.
- Bundling: It may be advantageous to purchase car and property insurance together if you own or rent a house. Bundling is a great way to save money on both your car and property insurance.
- Driver training: No matter your driving record, you may be eligible for lower premiums if a driving safety course is passed. They are usually completed online and can take approximately eight hours.
Questions frequently asked
What is the best type of car insurance in Kentucky
Geico offers the lowest car insurance for most drivers in Kentucky. Geico is a top-rated auto insurance company in Kentucky for customer satisfaction. The best choice for you depends on your driving record and what you’re looking for.
What information do you need to obtain car insurance in Kentucky
You will need to provide personal and financial information about you and any other person you intend to insure.
Is Kentucky required to have car insurance?
Yes, Kentucky car insurance companies must offer bodily injury liability , damage liability , and basic reparations benefits.