Marissa Hayes is a technical editor and contributing writer. She holds a Bachelor’s Degree in history, and she was the editor of the literary magazine, The Bluestone Review.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years. He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com.

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Reviewed by Daniel Walker
Licensed Car Insurance Agent Daniel Walker

UPDATED: Apr 14, 2022

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The Short of It

  • Kentucky drivers must have their liability limits set to at least 25/50/25
  • State minimum insurance requirements are usually not enough to protect you
  • You can face severe consequences if you drive without insurance in Kentucky

Kentucky drivers know that anything can happen, so it’s important to have a reliable insurance plan to protect you and your vehicle. If you’re a new resident of the Bluegrass State and aren’t sure what the car insurance requirements are in your new home, this Kentucky car insurance guide is here to help.

Keep reading to learn more about Kentucky’s minimum insurance requirements, the average insurance rate in this state, and discover ways to save on your car insurance today.

How much does Kentucky car insurance cost?

A car insurance policy in Kentucky costs about $3,137 per year on average. This high average makes Kentucky one of the most expensive states for car insurance. However, your insurance rates may be very different from that average.

Since every insurance company requires that insurance applications be run through an underwriting process, every driver is given a unique rate. Being familiar with the factors that affect car insurance prices can help you become a more knowledgeable consumer. So, let’s take a closer look at what can influence your rates.

Factors That Affect Your Car Insurance Rates 

While it may not come as much of a shock to learn that your driving history can be one of the causes for higher insurance rates, did you know that even your credit score can change how much you pay for coverage?

Car insurance companies run a “soft check” on your credit score to see if you are a dependable payer. If you have a low credit score, the insurance company could view you as a high-risk driver and raise your rates accordingly.

Some other factors that influence your rates include:

  • Your age
  • Your gender
  • Your car’s make and model
  • Your car’s age
  • Your address
  • Your claims history

As illustrated by the list above, insurance companies need to learn a lot about you in order to calculate an accurate rate.

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Which companies sell car insurance in Kentucky?

When shopping for car insurance in Kentucky, you’ll be able to pick from the cream of the crop. Review this list to discover some of the best insurance companies that provide coverage in Kentucky:

  • USAA
  • State Farm
  • Travelers
  • GEICO
  • Progressive
  • Amica
  • Nationwide
  • Allstate

Although all of these companies are titans in the insurance industry, be sure to get at least five free quotes from different companies. Getting multiple quotes is a simple yet highly effective step in the insurance buying process. Comparing quotes will allow you to determine which company can offer you the coverage you need, at the cheapest rates.

How can Kentucky drivers keep rates low?

If you don’t have the best driving history, you may be worried that you won’t be able to afford Kentucky car insurance. Thankfully, there are steps you can take to lower your rates.

For example, if you continually receive moving violations, practice being mindful in your vehicle so you can pay better attention to the posted speed limit. You should also work to come to a complete stop at yellow lights and not drive through stop signs.

Improving your driving skills can help dramatically reduce your rates over time. Don’t forget that increasing your credit score is another great step to take in order to lower your car insurance rates. Not only does increasing your score help you get access to better loan opportunities, but insurance companies will view you as a responsible payer, which can earn you lower rates.

Improving your driving skills and credit score aren’t the only ways in which you can obtain low-cost Kentucky car insurance. You can typically take advantage of discounts too.

Car Insurance Discounts

When you begin shopping for car insurance online, feel free to refer back to this list of common discounts. With this list in hand, you’ll be able to verify that you aren’t missing out on an opportunity to save money:

  • Passive restraint
  • Good student
  • Defensive driving course
  • Forward collision warning
  • Lane assist
  • Multi-policy
  • Multi-car
  • Anti-theft
  • VIN etching

With discounts like these available to you, you won’t have to reduce your coverage to afford insurance. If you think you aren’t saving as much as you can with your current insurance company, shop online to see if other companies offer more discounts.

How can drivers get free insurance quotes in Kentucky?

While you can contact your local insurance agency to request a free quote, shopping for insurance online is much more practical. As long as you have access to the internet, you can shop from your smartphone or tablet in the comfort of your own home without fending off overeager salespeople.

Shopping online also allows you to look for insurance when your schedule allows it. However, most insurance offices operate within regular business hours, so it can be difficult to set up an appointment if you work during the day.

Remember that insurance quotes should never cost you a dime. If an insurance agent or online insurance company is requiring you to pay for a quote, that’s a sure sign that the insurance entity isn’t reputable.

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What are the minimum car insurance requirements in Kentucky?

Drivers in Kentucky are required to carry at least:

  • $25,000 in bodily injury liability, per person 
  • $50,000 in bodily injury liability, per accident
  • $25,000 in property damage liability

Remember that these liability insurance limits are very low and don’t offer you much protection at all. For example, if you were to crash into someone’s Aston Martin, you would be expected to pay for any damages that exceeded your $25,000 limit.

Here’s a tip for setting up your liability limits: It’s a good rule of thumb to set your liability limits to 100/300/100 unless you can afford to purchase more coverage.

Your liability limits exist to protect your assets, so it’s in your best interest to set your liability limits as high as you can to avoid being sued by another driver.

What happens if I drive without insurance in Kentucky?

Driving without insurance is illegal in Kentucky. If you choose to drive without insurance, you could face severe consequences like losing your license or paying a hefty fine. If you don’t currently have a policy, shop online to find one that can keep you street-legal and meet your budgetary requirements.

Are digital insurance cards acceptable in Kentucky?

While some states only accept physical insurance cards, Kentucky drivers are allowed to present digital copies of their proof of insurance. Now, if you are pulled over by a police officer and are required to show your digital insurance card, the officer isn’t allowed to search your phone for anything else.

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How long do drivers have to get Kentucky insurance after moving?

New residents of Kentucky don’t have a lot of breathing room when it comes to getting car insurance. Once you’ve moved to Kentucky from another state, you only have 15 days to register your vehicle.

Getting your vehicle registered in Kentucky is the first step to getting Kentucky insurance. Typically, you’ll need to have the effective date for your new policy and new policy number handy when you complete the vehicle registration.

What You Need to Know About Kentucky Car Insurance

Kentucky insurance can be expensive, but most insurance companies offer discounts to help drivers keep their rates low. Car insurance is required in this state, so you can shop online for free quotes to find a policy that fits your coverage and budgetary needs.

While Kentucky’s minimum insurance requirement is only 25/50/25, those liability limits don’t do much to protect your assets if you cause an accident. Therefore, it would behoove you to set your limits to 100/300/100, unless you have the means to buy even more coverage.

Shopping online is the simplest way to find the best policy for your needs. You can compare quotes in the comfort of your own home and do so whenever is most convenient for you.