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

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Reviewed by Daniel Walker
Licensed Car Insurance Agent

UPDATED: Jul 19, 2021

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Kentucky Statistics SummaryDetails
Miles of Roadway79,727
Miles Driven in the State47,941 million
Registered Vehicles4,037,625
Most Popular VehicleFord F-150
Uninsured Motorist Rate11.5%
Total Driving-Related Deaths in 2018782
Speeding Fatalities in 2018138
DUI Fatalities in 2018181
Average Annual Car Insurance CostLiability: $529.21
Collision: $267.91
Comprehensive: $141.39
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What would you say if we told you that Kentucky wasn’t really a state?

It’s true. The Bluegrass State, famous for the most well-known horse race in the world (and not to mention bourbon), is, technically speaking, not a state. Instead, it’s a commonwealth, just like Virginia, Pennsylvania, and Massachusetts. Weird, right?

State or not, though, Kentucky residents still have to comply with the rules of the road. This means driving with insurance.

If you think understanding the legislation that separates a state from a commonwealth is difficult, though, you’ll pale at the thought of researching car insurance policies. Digging through the data that separates one provider from another can take hours out of your day.

Never fear, though. If you’re looking for the best car insurance provider in Kentucky, you’ve come to the right place. We’ve done all of the research for you and compiled Kentucky’s prominent provider information into one handy guide.

Want to start comparing rates? You can enter your zip code into our FREE online tool and browse through the car insurance rates available in your area.

Now, let’s dive into the policies, rules of the road, and dangers that make Kentucky one of the most fascinating states — that is, commonwealths — in the nation.

Table of Contents

Kentucky Car Insurance Coverage and Rates

When you start looking for car insurance rates, you’ll want to find the kind of coverage that suits more than just your driving history. You’re shopping, after all, and shopping requires you to consider your budget.

Let’s take a gander through the Kentucky car insurance options that you have available to you to see which is the most affordable.

Kentucky Minimum Coverage

All states require a minimum amount of driver liability coverage. This coverage ensures that, should a driver get into an accident while on the road, they won’t have to immediately dive into their savings to pay for the damage done.

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Kentucky’s minimum liability requirements include:

  • $25,000 for injuries per person in a single accident that you caused
  • $50,000 total for all injuries resulting from a single accident you caused
  • $10,000 for property damage resulting from an accident that you caused

It’s worth noting here that Kentucky is, technically, a no-fault state. That “technically” has nothing to do with the state’s position as a commonwealth. Rather, Kentucky residents can opt out of no-fault car insurance, making the state a “choice no-fault” state rather than a standard “no-fault” one.

In Kentucky, no-fault insurance takes the form of Personal Injury Protection, or PIP. This protection allows drivers up to $10,000 of coverage meant to pay off medical bills or property damage costs immediately upon the occurrence of an accident.

Forms of Financial Responsibility

While driving in Kentucky, you need to have a form of financial responsibility — otherwise known as proof of insurance — on your person or in your car whenever you’re on the road. Different acceptable forms of financial responsibility include:

  • A valid liability insurance ID card
  • A copy of your current car insurance policy
  • A valid insurance binder or another form of temporary car insurance
  • Car insurance documents presented via cellphone or laptop, so long as they aren’t expired

If you’re not able to show a police officer a form of financial responsibility upon being pulled over, you may face any of the following four consequences:

  • Fines — first offenses can run up a charge of between $500 and $1,000, with the following offenses costing drivers more.
  • Jail Time — first offenses can result in 90 days of jail time combined with the aforementioned fines. If you’re caught without proof of insurance again, you could spend up to 180 days in jail.
  • Loss of Driving Privileges — if you drive without proof of insurance, the state can suspend your license for up to a year. While a second offense results in the same consequence, a third offense can see your license revoked for two years or more.
  • Forced Reassessment — if your license is suspended, you’ll have to take the necessary steps to have it reinstated. This includes a $40 fee and proof of a new insurance policy. If your license is suspended for a year or more, then you’ll need to re-pass your driver’s exam to legally return to the road.

Premiums as a Percentage of Income

Every year, you’ll have to dedicate a percentage of your income to your car insurance payment. When you’re doing your initial policy shopping, it’s good to know just how much money you have to spend on a policy.

Annual Full Coverage
Average Premiums
Average Premiums$76.46
Annual Per Capita Disposable Personal Income$33,237.00
Monthly Per Capita Disposable Personal Income$2,769.75
Percentage of Income2.76%
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As of 2014, Kentucky drivers spent roughly $917.49 a year on their car insurance policies.

The average annual income of a Kentucky resident at that same time was $33,327.

Do the math, and you’ll find that drivers were spending 2.76 percent of their annual income on car insurance.

That may seem like a significant chunk of change, but compared to the national average, it isn’t so bad. Generally speaking, American drivers spend $981.77 of their annual incomes on car insurance over the course of a year.

Average Monthly Car Insurance Rates in KY (Liability, Collision, Comprehensive)

There are more types of coverage available to you in Kentucky than the state’s minimum liability. These coverage types and their average annual costs include:

Coverage TypeKentucky AverageNationwide Average
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Do note that while this data comes from the National Association of Insurance Commissioners, it also dates back to 2015. As of 2019 and any year beyond, these rates are guaranteed to be much higher.

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Additional Liability

Break your coverage availability down even further, and you’ll find new options, including those listed below:

Type of InsuranceKentucky loss ratioCountrywide average loss ratio
Uninsured/Underinsured Motorist Coverage71.2767.33
Personal Injury Protection75.0469.41
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Why would you want to consider this kind of coverage?

Because Kentucky is a no-fault state. While at-fault states have their own quirks, no-fault states make paying for an accident simpler — in a sense. All of the cost for the damage done to your car falls onto your shoulders.

As such, if you have the coverage to protect your bank account from an unexpected accident, you won’t have to dive into your savings to pay for a new bumper or windshield.

Add-ons, Endorsements, and Riders

You can explore additional, optional coverage by considering some of the add-ons below. Click on the available links to learn more:

Average Monthly Car Insurance Rates by Age & Gender in KY

There’s an old myth that claims men have to pay more for their car insurance than women do. As it turns out, this isn’t always the case. Take a look at the two demographic tables below:

Company25-Year-Old Male Monthly Premium25-Year-Old Female Monthly PremiumMale 55-Year-Old Monthly PremiumFemale 55-Year-Old Monthly Premium
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As you can see, younger drivers have to pay significant more for their car insurance than older drivers. In this case, too, teenage boys will be expected to pay higher premiums than their female peers.

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As drivers age, though, those premiums even out. By the time drivers hit middle age, the premiums they’ll see should be able balanced. In some cases, women even have to pay more than their male companions.

Cheapest Rates by Zip Code

It’s not just age and gender that can impact the premium you’re offered. Your zip code can have a significant impact on your initial rate.

How does ZIP code affect auto insurance? Factors like traffic, crime, and claim frequency in your area all matter. Find out how your ZIP code compares against other ZIP codes in KY.

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Cheapest Rates by City

In much the same way, your offered car insurance rate will vary based on the city you live in. Take a look at the top ten cheapest cities.

Kansas Cheapest CitiesAverage Car Insurance Rates
Bowling Green$3,687.55
Fort Thomas$3,704.38
Fort Mitchell$3,708.93
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And the top ten most expensive cities.

Kansas Most Expensive CitiesAverage Car Insurance Rates
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Best Kansas Car Insurance Companies

Knowing a little more about Kentucky’s minimum liability coverage and the various factors that impact your car insurance rate, you should be feeling more confident moving forward with a purchase. Right?

Not necessarily. There are dozens upon dozens of car insurance providers in Kentucky who are looking to usher you into their family. Finding the provider that’ll protect you and your loved ones from an accident takes time and attention to detail.

Don’t start fretting about research yet. In this section, we’ve gathered together all of the information you need to compare Kentucky’s largest car insurance providers. We’ll address company ratings, complaint records, and the different factors that each provider uses to determine your rate.

The Largest Companies’ Financial Ratings

The best first impression of a car insurance company comes from its financial rating. These ratings reflect a company’s ability to cover its consumers’ claims. Take a look at the ratings below to see for yourself how Kentucky’s providers stand up:

Allstate Insurance GroupA+
Kentucky Farm Bureau GroupA
Liberty Mutual GroupA
Nationwide Corp GroupA+
Progressive GroupA+
Shelter Insurance GroupA
State Auto Mutual GroupA-
State Farm GroupA++
USAA GroupA++
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As you can see, according to A.M. Best, State Farm and Geico manage A++ ratings, suggested significant financial security (likely due to their reach across the United States)

Companies with the Best Ratings

Not everything is about finances, though. Take a look at J.D. Power’s Customer Satisfaction Ratings for Kentucky, and you’ll see a different story play out:
JD Power Southeast auto insurance rating

While the big names make their way onto this list, with Geico coming in third, it’s companies like Farm Bureau Insurance — Tennessee that top the list for customer satisfaction.

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Companies with the Most Complaints in Kentucky

On the other side of the coin comes consumer complaints. Complaints aren’t especially high throughout Kentucky, but you’ll notice a few stand-outs:

CompanyNational Median Complaint RatioCompany Complaint Ratio 2017Total Complaints 2017
Allstate Insurance Group10.5163
Kentucky Farm Bureau Group10.021
Liberty Mutual Group15.95222
Nationwide Corp Group10.2825
Progressive Group10.75120
Shelter Insurance Group10.6147
State Auto Mutual Group11.7423
State Farm Group10.44
USAA Group002
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Consumer complaints shouldn’t entirely reflect a company’s reputation. However, do keep these complaints in mind when choosing an insurer to work with.

Cheapest Companies in Kentucky

But let’s remember your budget. Take a look at some of the more affordable rates available to Kentucky drivers:

CompanyCompanyAverageCompared to State AveragePercentage Compared To Average
Allstate P&CAllstate P&C$7,143.92$1,948.5227.28%
GEICO GeneralGEICO General$4,633.59-$561.81-12.12%
Nationwide MutualNationwide Mutual$5,503.23$307.825.59%
Progressive DirectProgressive Direct$5,547.63$352.236.35%
SAFECO Ins Co of ILSAFECO Ins Co of IL$5,930.97$735.5712.40%
State Farm Mutual AutoState Farm Mutual Auto$3,354.32-$1,841.09-54.89%
Travelers Home & Marine Ins CoTravelers Home & Marine Ins Co$6,551.68$1,356.2720.70%
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There are some companies, as you can see, that offer rates that are significantly below the state and national average. While you don’t always want to go for the cheapest rate, drivers on a budget can take advantage of Kentucky’s financial flexibility.

Commute Rates by Company

The distance of your morning commute is going to impact your car insurance rate, as you can see below:

GroupCommute And Annual MileageAnnual Average
Allstate10 miles commute. 6000 annual mileage.$7,143.92
Allstate25 miles commute. 12000 annual mileage.$7,143.92
GEICO10 miles commute. 6000 annual mileage.$4,590.52
GEICO25 miles commute. 12000 annual mileage.$4,676.65
Liberty Mutual10 miles commute. 6000 annual mileage.$5,930.97
Liberty Mutual25 miles commute. 12000 annual mileage.$5,930.97
Nationwide10 miles commute. 6000 annual mileage.$5,503.23
Nationwide25 miles commute. 12000 annual mileage.$5,503.23
Progressive10 miles commute. 6000 annual mileage.$5,547.63
Progressive25 miles commute. 12000 annual mileage.$5,547.63
State Farm10 miles commute. 6000 annual mileage.$3,270.85
State Farm25 miles commute. 12000 annual mileage.$3,437.78
Travelers10 miles commute. 6000 annual mileage.$6,551.68
Travelers25 miles commute. 12000 annual mileage.$6,551.68
USAA10 miles commute. 6000 annual mileage.$2,789.64
USAA25 miles commute. 12000 annual mileage.$3,006.15
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While differences in rate don’t always contribute to significant premium fluctuation, you should be aware of potential price spikes when choosing a provider.

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Coverage Level Rates by Company

Similarly, your chosen level of coverage is going to impact the amount you’re expected to pay:

GroupCoverage TypeAnnual Average
Liberty MutualHigh$6,300.15
Liberty MutualMedium$5,887.57
Liberty MutualLow$5,605.20
State FarmHigh$3,562.79
State FarmMedium$3,347.83
State FarmLow$3,152.33
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Credit History Rates by Company

Your credit history reflects your ability to pay back money you owe to different organizations. Naturally, car insurance providers are going to take your credit history into account when offering you a rate. Variations are ever-present, as can easily be seen:

GroupCredit HistoryAnnual Average
Liberty MutualGood$4,093.63
Liberty MutualFair$5,201.15
Liberty MutualPoor$8,498.13
State FarmGood$2,296.89
State FarmFair$2,933.18
State FarmPoor$4,832.88
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Even USAA, who offers the cheapest coverage to drivers with strong credit, raises their rates by nearly $3,000 when the consumer in question has a poor credit score.

Driving Record Rates by Company

Your driving history reflects both your knowledge of the rules of the road and your ability to work within them.

GroupDriving RecordAnnual Average
AllstateClean record$5,911.23
AllstateWith 1 accident$7,724.51
AllstateWith 1 DUI$8,260.64
AllstateWith 1 speeding violation$6,679.30
GEICOClean record$2,766.32
GEICOWith 1 accident$4,913.10
GEICOWith 1 DUI$7,467.13
GEICOWith 1 speeding violation$3,387.81
Liberty MutualClean record$4,937.70
Liberty MutualWith 1 accident$7,618.06
Liberty MutualWith 1 DUI$5,913.45
Liberty MutualWith 1 speeding violation$5,254.67
NationwideClean record$4,358.34
NationwideWith 1 accident$5,662.92
NationwideWith 1 DUI$7,183.66
NationwideWith 1 speeding violation$4,807.99
ProgressiveClean record$4,580.31
ProgressiveWith 1 accident$6,816.16
ProgressiveWith 1 DUI$5,224.39
ProgressiveWith 1 speeding violation$5,569.65
State FarmClean record$3,079.02
State FarmWith 1 accident$3,629.62
State FarmWith 1 DUI$3,354.32
State FarmWith 1 speeding violation$3,354.32
TravelersClean record$5,703.08
TravelersWith 1 accident$5,868.49
TravelersWith 1 DUI$8,514.63
TravelersWith 1 speeding violation$6,120.50
USAAClean record$2,182.03
USAAWith 1 accident$3,087.95
USAAWith 1 DUI$3,693.72
USAAWith 1 speeding violation$2,627.86
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As you might guess, high-risk drivers are charged more for their coverage than low-risk drivers.

Largest Car Insurance Companies in Kentucky

Even though there are a number of domestic providers available to the residents of Kentucky, the largest 10 companies take up most of the industry market share.

RankingCompanyDirect Premiums WrittenLoss RatiosMarket Share
1State Farm Group$714,96465.70%23.59%
2Kentucky Farm Bureau Group$566,60375.94%18.70%
3Progressive Group$240,00058.90%7.92%
5Liberty Mutual Group$206,82259.60%6.82%
6Allstate Insurance Group$190,42250.09%6.28%
7USAA Group$152,25976.42%5.02%
8Nationwide Corp Group$88,33157.90%2.91%
9Shelter Insurance Group$57,75363.96%1.91%
10State Auto Mutual Group$56,05672.38%1.85%
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Who are the largest auto insurance companies in Kentucky?

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Number of Insurers in Kentucky

Speaking of domestic providers: there is a difference between local providers and national providers. Take a look at the breakdown below:

Type of InsurerNumber of Available Providers
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Kentucky Driving Laws

In a word, driving laws are complicated. It’s really unlikely that you know all of the driving laws that dictate how you should make it from Point A to Point B in your state.

That said, it’s a good idea to give those laws a passing look over. Why? Because if you have them in mind, you can keep yourself from accidentally violating them.

Here, we’ll clear away any confusion you may have about Kentucky’s driving laws. We want to help you avoid fines and the other penalties that arise when you accidentally break the law.

Keep on reading to learn more about Kentucky’s seat belt laws, texting ban, and the cost of high-risk insurance.

Car Insurance Laws

Where do we start, when looking at driving laws in Kentucky? Let’s take a peek at some of the laws that dictate how your insurance works before we move on to the rules of the road.

Windshield Coverage

If your windshield is cracked or damaged in an accident, you legally need to replace it before taking your car back out onto the road. The good news is that Kentucky state law ensures that you don’t have to pay your deductible for glass repairs.

When looking to replace auto glass, car insurance providers in Kentucky can work within the following boundaries:

  • Providers can quote and secure aftermarket parts for a driver’s windshield, but the driver is allowed to refuse these parts and pay the difference for newer variations.
  • Kentucky drivers may choose their own repair vendors, but they will have to pay the difference if their chosen vendor charges a rate higher than the one their provider anticipated.

High-Risk Insurance

If you have a spotty driving history, you may have to seek out high-risk insurance. High-risk insurance, or an SR-22, is a type of insurance that high-risk drivers are required to add to their existing coverage after a conviction or similar punishment.

You may be required to get an SR-22 if you’ve received any of the following:

  • DUI conviction
  • Reprimand for driving without insurance
  • Reprimand for driving with a suspended license
  • Reprimand for leaving the scene of an accident

That all said, Kentucky doesn’t have legislation in place that requires its high-risk drivers to obtain SR-22 coverage. Instead, the state relies on a mandatory insurance requirement. This high-risk insurance plan also goes by the Kentucky Automobile Insurance Plan. While applicants can’t choose the provider they’re paired with, working with the plan gives high-risk drivers access to:

  • A valid Kentucky driver’s license
  • State minimum liability coverage

Low-Cost Insurance

Kentucky also does not offer car insurance programs for low-income families that would ease the pressure of paying for car insurance. However, drivers can seek out discounts to make the cost of insurance more bearable.

Be sure to ask your provider of choice if you or your family are eligible for any of the following:

  • Accident-Free Discount
  • Affiliation Discount (this would be any discounts through your employer, school, team, etc.)
  • Anti-Theft Discounts (i.e. if you have alarms, tracking systems, etc on your vehicle)
  • Auto-Pay Discounts (if you were to set up automatic payments from checking – some providers refer to it as a Paper-Saving Discount)
  • Good Student Discount
  • Homeowner’s Discount
  • Multi-car Discount
  • Green/Hybrid Car Discount (if you own/lease a hybrid or electric vehicle)

Be sure you shop around in order to find the best coverage for you that is equally cost-effective.

Automobile Fraud in Kentucky

It’s difficult to commit insurance fraud by accident.

That said, the insurance industry sees 10 percent of its operating costs go to enduring fraudulent claims or accounts over the course of a year.

There are two different types of automobile fraud.

  • Hard fraud sees a driver deliberately falsifying a claim or faking an accident in order to receive compensation
  • Soft fraud sees a driver padding a claim or misrepresenting accident information to an insurance provider

Soft fraud is the more common of these two types of fraud.

Even though you may think you’re just telling a white lie, soft fraud is considered a misdemeanor, and lying on your claim is considered a class 5 felony.

Statute of Limitations

A statute of limitations outlines the amount of time a driver has after an accident has taken place to file a compatible claim. Drivers in Kentucky must work within the following time blocks:

  • Personal Injury Claims: One Year
  • Property Damage Claims: Two Years

Note that the countdown clock starts on the day your accident occurs, so try to get all of the necessary information to your provider of choice as soon as you possibly can.

Vehicle Licensing Laws

Let’s take a minute to talk about REAL ID. Your driver’s license is REAL ID, right? No, not really.

Real ID is a phenomena arriving in 2020. All Kentucky drivers — and drivers throughout the United States — will need to have REAL ID to get on a plane, be the flight domestic or international.

Penalties for Driving Without Insurance

It’s illegal to drive on the road in Kentucky without car insurance. We’ve already touched on some of the penalties that you might be exposed to if you choose to do so, anyway. Let’s take a deeper dive into Kentucky’s insurance-less penalties:

3 Point Offenses3 Point Offenses4 Point Offenses5 Point Offenses6 Point OffensesHearing-possible suspension
Careless driving11-15 mph over speed limit on limited access highwayReckless drivingImproper passing16-25 mph over speed limit on any road or highway26 mph over speed limit on any road or highway
Improper lane usage15 mph or less over speed limit on any non-limited access highwayFollowing too closeFailure to stop for church or school busAttempting to elude police officer
Improper use of left lane/limited access highwayFailure to yieldDriving on wrong side of roadwayCommitting a moving hazardous violation involving an incidentRacing
Failure to illuminate headlights or failure to dim headlightsFailure to yield right-of-way to funeral processionChanging drivers in a motor vehicleCommitting two or more moving hazardous violations in any continuous occurrence
Failure to comply with Instructional Permit requirementsStop violation (traffic signal, railroad crossing, stop sign)Vehicle not under control
Any other moving hazardous violationWrong way on a one-way streetFailure to yield to emergency vehicle
Texting while drivingToo fast or too slow for road conditions
Improper driving, improper start, or improper turn
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You’ll need to ensure that you have a form of financial responsibility on your person or in your car should you happen to get pulled over by a police officer. Remember, the different valid forms of financial responsibility include:

  • A valid liability insurance ID card
  • A copy of your current car insurance policy
  • A valid insurance binder or another form of temporary car insurance
  • Car insurance documents presented via cellphone or laptop, so long as they aren’t expired

Teen Driver Laws

It can be scary to teach your child to drive for the first time. The good news is that if you live in Kentucky, you have until your child turns 16 to figure out whose car you want to sacrifice for educational purposes.

There are three different license variations your teen driver can get. These break down into a permit, an intermediate license, and an unrestricted license. Take a look at the variations between these licenses below:

RestrictionsPermitIntermediate LicenseUnrestricted License
AgeMinimum age 16After having a permit for six months (minimum age 16 years six months). If convicted of a traffic offense, the teen must begin the six month period againAfter holding an intermediate license for six months (minimum age 17) or age 18
Hours of DrivingMinimum 60 hours 10 of which must be at nightMust have completed the permit requirementMust have completed the permit requirement
TimeCannot drive between 12:00 A.M. and 6:00 A.M without good causeCannot drive between 12:00 A.M. and 6:00 A.M without good causeNo restrictions
PassengerOne unrelated passenger under 20 years old limit except when supervised by a driving training instructorOne unrelated passenger under 20 years old limit except when supervised by a driving training instructorNo restrictions
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License Renewal Procedures

In Kentucky, drivers old and young go through the same procedure to renew their licenses. Drivers need to renew their licenses on an eight-year rotational period.

Drivers aren’t required to have their vision tested, and they must go to a physical DMV to complete the renewal. As of this point, Kentucky does not allow its drivers to renew their licenses through the mail or through an online medium.

Licensing for New Residents

When you move to Kentucky for the first time, you’ll need to ensure that your minimum liability insurance matches up with the state’s requirements. Kentucky Law requires new residents to apply for new vehicular registration within 15 days of moving to their new county.

Rules of the Road

Knowing and complying with the rules of the road help you stay out of trouble while driving. If you don’t feel like you’re in the know regarding all of Kentucky’s roadway legalities, don’t worry. We’ve got you covered.

Take a gander and see for yourself what kind of speed limit, seat belt, and fault laws Kentucky has in place to keep you safe.

Fault vs. No-Fault

Kentucky is a no-fault state. This means that if you happen to get in an accident while driving through Kentucky, you only have to pay for the damage done to your own car.

In other words, the other driver, if they are the perpetrator of the accident, won’t pay for your damages.

When driving through a no-fault state, you’ll definitely want to consider investing in more than just your state’s minimum liability policy. Car accidents can get expensive, and without someone else’s budget to buffer your bank account, you’ll want to protect your savings.

Seat Belt and Car Seat Laws

Kentucky promotes strict seat belt and car seat safety to prevent injury and death among child passengers in its drivers’ cars. This concern comes on the heels of statistics revealing that vehicular accidents are the leading cause of child fatalities.

Kentucky's Child Safety LawsFinesCar SeatAdult BeltAdditional Fines
Who is covered?
In what seats?
Maximum base fine 1st offense, additional fees may applyMust be in
child safety seat
Adult belt permissibleMaximum base fine 1st offense, additional fees may apply
7 and younger and more than 57 inches in all seats; 8+ in all seats $2540 inches or less in a child restraint; 7 and younger who are between 40 and 57 inches tall in a booster seattaller than 57 inches $50 child restraint; $30 booster seat
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Note that to drive legally with a child passenger in your car, you’ll need:

  • Child restraints for children 40 inches or shorter
  • Booster seats for children 7 years old or younger, or who are between 40 and 57 inches in height
  • Adult seat belts for children taller than 57 inches

If you’re caught violating these standards, you’ll be charged a $25 fine with additional fees pending.

Also note that there are no laws in Kentucky forbidding or punishing passengers for riding in the cargo area of a pickup truck.

Keep Right and Move Over Laws

As of June 2007, the state of Kentucky made it illegal for drivers to hang in the left lane of two or more lane roads unless they were passing or turning left. This new law complies with the state’s longstanding “keep right” policy, which encourages slower drivers to remain on the right side of all highways.

Similarly, Kentucky state law requires that all vehicles move to the right side of the road when approached by an emergency vehicle that has its lights on. These vehicles include but are not limited to:

  • Police cruisers
  • Ambulences
  • Firetrucks
  • Tow trucks
  • Recovery vehicles

Speed Limits

You’ll want to keep an eye on Kentucky’s posted speed limits for a number of reasons. For starters, the last thing you want to do is get caught in a speed trap. Complying with the speed limit will also keep the other drivers around you safer on the road.

Kentucky’s speed limits break down as follows:

  • 65 mph on rural interstates
  • 65 mph on urban interstates
  • 65 mph on limited access roads
  • 55 mph on rural roads

Note that these are the state’s maximum speed limits. Go any faster, and you’ll be putting your driving record at risk.


The rise of Uber and Lyft have made it easier than ever for people to get to the places they need to go. These companies have also created a new industry for drivers across the United States.

If you currently work with either company or one of their competitors, or if you’ve thought about using your vehicle for a job before, you’ll need to get ridesharing insurance.

In Kentucky, four companies currently offer ridesharing insurance policies:

  • Allstate
  • Erie Insurance
  • State Farm
  • USAA

While your employer may direct you towards a car insurance partner, know that you absolutely need to have ridesharing insurance to legally ferry passengers across Kentucky in your vehicle.

Automation on the Road

At this point in time, with automated vehicles still in development, Kentucky has not instated any laws regarding self-driving cars.

Safety Laws

We’ve touched on basic driving behaviors and safety habits. What kind of statistics do you need to worry about, though, when it comes to Kentucky’s DUI and Distracted Driving laws?

If you want to maintain a clean driving record, you should keep these laws — and their subsequent penalties — in mind moving forward.

DUI Laws

It’s never safe to get behind the wheel of a car when you’ve been drinking. Even though this feels like a fact everyone should know, Kentucky still saw 181 alcohol-related fatalities in 2017.

That significant statistic has led Kentucky to instate fierce penalties for intoxicated driving, as you can see in the table below:

PenaltyFirst OffenseSecond OffenseThird OffenseFourth Offense
Suspended License30-120 days12-18 months24-36 months60 months
Imprisonment2-30 days7 days-6 months30 days-12 monthsMinimum 120 days without probation
Program Attendance90 days of alcohol or substance abuse program1 year alcohol or substance abuse treatment1 year alcohol or substance abuse treatment1 year alcohol or substance abuse treatment
Community ServicePossible 48 hours-30 days of community labor10 days-6 months community labor10 days-12 months community laborn/a
Mandatory Ignition Interlock DeviceNo (Yes if BAC is over 0.15)YesYesYes
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If that’s not enough, know that getting caught driving while intoxicated can have a significant impact on the rate that your car insurance provider is able to offer you. For the sake of your wallet, then, if not the other drivers around you, call a rideshare if you’ve been drinking, and do not get behind the wheel of a car while drunk.

Distracted Driving Laws

Taking your eyes off the road to answer a text may not feel like a significant breech in roadway safety. Even so, that kind of distraction can still result in an accident.

At this point in time, Kentucky has not instated a hand-held device ban.

However, no driver under the age of 18 is allowed to be on their cellphone while driving a vehicle. Likewise, no driver, regardless of age, is legally allowed to text while at the wheel of a car.

Both of these bans are primarily enforced, meaning that Kentucky police offers need no other reason to approach your car and ticket you if they catch you driving while on your phone.

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Driving in Kentucky

With rates and legalities out of the way, it’s time to address some of the more dangerous elements of driving through Kentucky. While the roadways themselves are beautiful, you’ll still need to be cautious to avoid finding yourself in an accident.

Let’s take a moment to talk about vehicle theft, fatality rates, and the kind of traffic you should expect to see in the Bluegrass State.

Vehicle Theft in Kentucky

There are some vehicles that are more likely to be stolen than others. It’s not all sports cars that are likely to be stolen, as you can see below:

Make/ModelYearNumber of Thefts
Chevrolet Pickup (Full Size)1998250
Ford Pickup (Full Size)2001241
Toyota Camry
Chevrolet Impala2005118
Toyota Corolla2014110
Honda Accord1997108
Ford Explorer200099
Ford Taurus200294
Dodge Pickup (Full Size)200193
Chevrolet Pickup (Small Size)200079
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As you can see, it’s pickup trucks that are the most likely vehicles to be stolen in the state of Kentucky. This is the case in a fair number of states across America.

That said, there are some cities in Kentucky that see more thefts than others. According to the FBI, Kentucky’s cities rank as follows:

CityMotor Vehicle Thefts
Louisville Metro2,025
Bowling Green125
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The fantastic news is that a number of cities in Kentucky register at zero threat!

Road Fatalities in Kentucky

Road fatalities occur for a number of different reasons. Let’s break those reasons down and see how they impact the roadways of Kentucky.

Most Fatal Highway in Kentucky

Some roads are naturally more dangerous than others. Sometimes this is due to their make, and other times it’s due to the areas they pass through. US Route 62 in Kentucky connects to Mexico and Canada and sees over 11 fatal accidents over the course of a year, more than any other highway in the state.

Fatal Crashes by Weather Condition and Light Condition

There are also different weather and light conditions that impact the way that drivers are able to operate on the road. Take a look at how both factors cause fatalities across Kentucky:

Weather ConditionDaylightDark, but LightedDarkDawn or DuskOther / UnknownTotal
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Surprisingly, the vast majority of fatalities in Kentucky take place during the daytime and in clear weather. That doesn’t mean drivers shouldn’t be especially safe when driving in poor weather, but it does mean that caution is required under all circumstances.

Fatalities (All Crashes) by County

Location also impacts the likelihood of a car accident, as you can see by this breakdown of Kentucky’s many counties:

County NameFatalities Per 100K Population 201520162017County Name201520162017
Lyon County12.0312.3724.75Pulaski County1.573.121.55
Gallatin County0.000.0022.79Allen County4.849.650.00
Carlisle County0.000.0020.64Anderson County0.000.000.00
Owen County0.0018.7618.58Bath County16.400.000.00
Edmonson County0.000.0016.36Boyd County6.180.000.00
Magoffin County7.837.8915.95Bracken County12.080.000.00
Cumberland County0.000.0014.91Breckinridge County5.010.000.00
Nicholas County0.0014.1614.03Campbell County1.096.520.00
Trigg County7.030.0013.85Carroll County0.000.000.00
Floyd County2.660.0013.79Christian County4.105.580.00
Ballard County0.000.0012.44Clay County9.534.830.00
Lincoln County0.000.0012.27Crittenden County0.0010.910.00
Rockcastle County5.915.9311.98Elliott County0.000.000.00
Trimble County0.000.0011.68Estill County0.000.000.00
Bell County0.000.0011.15Fleming County0.006.890.00
Whitley County13.855.5411.05Fulton County0.000.000.00
Mclean County0.0021.4110.87Garrard County0.000.000.00
Adair County5.180.0010.26Grant County4.040.000.00
Clinton County0.000.009.73Graves County13.455.380.00
Leslie County0.000.009.68Green County0.000.000.00
Nelson County11.096.598.76Greenup County0.002.790.00
Washington County8.330.008.25Hancock County0.0011.450.00
Caldwell County7.840.007.91Harlan County0.003.700.00
Taylor County7.810.007.85Harrison County0.005.380.00
Butler County0.000.007.79Hart County10.8716.190.00
Breathitt County0.007.587.72Henderson County2.162.160.00
Perry County3.6614.727.53Henry County6.420.000.00
Lewis County14.7222.267.50Hickman County0.000.000.00
Jackson County0.000.007.45Johnson County4.320.000.00
Carter County10.933.677.37Kenton County2.440.000.00
Casey County0.000.006.35Knott County0.000.000.00
Mason County0.005.835.82Knox County9.553.190.00
Clark County0.002.795.55Larue County0.000.000.00
Spencer County0.005.485.40Lawrence County0.000.000.00
Marion County5.215.225.16Lee County0.000.000.00
Bourbon County24.889.974.99Letcher County0.004.400.00
Laurel County1.673.334.99Livingston County10.7621.700.00
Barren County2.300.004.57Logan County0.000.000.00
Rowan County4.064.104.08Martin County0.000.000.00
Daviess County2.014.013.99Mccreary County11.190.000.00
Franklin County0.000.003.96Menifee County0.000.000.00
Grayson County0.003.833.79Mercer County0.004.670.00
Bullitt County3.812.523.74Metcalfe County0.000.000.00
Jefferson County1.702.743.63Monroe County0.000.000.00
Montgomery County3.630.003.58Morgan County0.000.000.00
Meade County14.413.573.55Muhlenberg County0.006.440.00
Pike County6.473.313.40Ohio County0.004.130.00
Boyle County6.730.003.34Oldham County0.000.000.00
Marshall County3.223.203.19Owsley County0.000.000.00
Mccracken County7.703.063.06Pendleton County0.000.000.00
Calloway County0.005.162.57Powell County8.178.130.00
Fayette County0.953.452.48Robertson County0.000.000.00
Warren County0.003.172.33Russell County5.660.000.00
Boone County2.353.102.29Simpson County5.595.560.00
Hopkins County8.686.562.20Todd County16.100.000.00
Madison County3.403.352.19Union County0.0020.280.00
Shelby County0.000.002.11Wayne County29.129.640.00
Jessamine County0.003.831.87Webster County0.000.000.00
Hardin County4.710.941.85Wolfe County13.8013.860.00
Scott County3.840.001.82Woodford County7.750.000.00
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Traffic Fatalities

You’re also more likely to see fatalities in urban areas as opposed to rural areas. Even so, it’s good to look at an overall ranking of these fatalities:

Type of Roadway20132014201520162017
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Fatalities by Person Type

Person type is also likely to impact fatality statistics. “Person type” here refers to a person’s relationship to a vehicle as opposed to any other demographic statistics.

Passenger Car269278314353326
Light Truck - Pickup92115120116126
Light Truck - Utility8484998890
Light Truck - Van2021253232
Large Truck10991610
Other/Unknown Occupants1517242315
Light Truck - Other00001
Total Occupants490524591628600
Total Motorcyclists87869111190
Bicyclist and Other Cyclist34797
Other/Unknown Nonoccupants31552
Total Nonoccupants6162799592
Grand Total638672761834782
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As you can see, passengers are the people most frequently involved in fatalities. Motorists are also high up on the list of potential fatality victims.

Fatalities by Crash Type

There are also specific crash types that most frequently result in fatalities:

Crash Type20132014201520162017
Total Fatalities (All Crashes)638672761834782
Single Vehicle355395400451413
Involving a Large Truck78688110089
Involving Speeding125125140138138
Involving a Rollover157200229216203
Involving a Roadway Departure410456499529472
Involving an Intersection (or Intersection Related)116119122152179
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It’s single vehicles, as you can see, that tend to bring about the most fatalities. However, speeding also increases a person’s likelihood of getting into a fatal accident.

Five-Year Trend for the Top 10 Counties

Fatal accidents have been fluctuating throughout Kentucky throughout the past five years, as you can see in the table below:

Boone County95151419
Fayette County1828275035
Hardin County2016221616
Jefferson County88788599107
Kenton County5917917
Laurel County131081118
Muhlenberg County622612
Nelson County85151314
Pike County2021141612
Top Ten Counties223220246284276
Warren County1817132326
All Other Counties415452515550506
All Counties638672761834782
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While Jefferson County has seen a rise in fatal accidents, Pike County has seen a notable decrease.

Fatalities Involving Speeding by County

Speeding continues to negatively impact Kentucky’s fatality rate. That said, accidents involving speeding in Kentucky counties are on the low side:

Adair County12102
Allen County10120
Anderson County00000
Ballard County00001
Barren County61102
Bath County00200
Bell County10003
Boone County43343
Bourbon County12521
Boyd County00300
Boyle County02201
Bracken County00100
Breathitt County02011
Breckinridge County03100
Bullitt County03323
Butler County01001
Caldwell County00101
Calloway County52021
Campbell County10160
Carlisle County10001
Carroll County01000
Carter County01312
Casey County10001
Christian County64340
Clark County00012
Clay County12210
Clinton County11001
Crittenden County01010
Cumberland County00001
Daviess County01244
Edmonson County00002
Elliott County00000
Estill County00000
Fayette County373118
Fleming County00010
Floyd County31105
Franklin County10002
Fulton County03000
Gallatin County00002
Garrard County00000
Grant County00100
Graves County22520
Grayson County11011
Green County10000
Greenup County03010
Hancock County01010
Hardin County35512
Harlan County00010
Harrison County11010
Hart County10230
Henderson County11110
Henry County21100
Hickman County01000
Hopkins County11431
Jackson County10001
Jefferson County1821132128
Jessamine County10021
Johnson County10100
Kenton County12400
Knott County00000
Knox County11310
Larue County10000
Laurel County33123
Lawrence County11000
Lee County00000
Leslie County00001
Letcher County00010
Lewis County10231
Lincoln County00003
Livingston County10120
Logan County51000
Lyon County00112
Madison County21332
Magoffin County01112
Marion County00111
Marshall County02111
Martin County00000
Mason County20011
Mccracken County02522
Mccreary County11200
Mclean County00021
Meade County12411
Menifee County00000
Mercer County10010
Metcalfe County10000
Monroe County00000
Montgomery County00101
Morgan County10000
Muhlenberg County10020
Nelson County30534
Nicholas County00011
Ohio County12010
Oldham County13000
Owen County01022
Owsley County01000
Pendleton County10000
Perry County01142
Pike County83422
Powell County01110
Pulaski County30121
Robertson County00000
Rockcastle County00112
Rowan County11111
Russell County11100
Scott County14201
Shelby County20001
Simpson County10110
Spencer County00011
Taylor County01202
Todd County00200
Trigg County00102
Trimble County00001
Union County00030
Warren County32043
Washington County01101
Wayne County00620
Webster County02000
Whitley County21524
Wolfe County10110
Woodford County12200
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Fatalities in Crashes Involving an Alcohol-Impaired Driver

We’ve already mentioned that drinking and driving is a terrible combination. And yet, Kentucky sees a significant number of alcohol-related crashes on a yearly basis:

County Name201520162017County Name201520162017
Lyon County202Jefferson County272026
Owen County112Muhlenberg County011
Mccreary County113Marshall County011
Fulton County101Warren County244
Adair County013Christian County252
Jackson County012Greenup County101
Trigg County012Clark County201
Pendleton County002Floyd County321
Elliott County001Calloway County031
Casey County222Boone County153
Rowan County023Barren County211
Trimble County001Madison County642
Laurel County217Nelson County521
Russell County112Shelby County141
Simpson County102Hardin County511
Mclean County101Anderson County010
Meade County443Ballard County000
Bourbon County012Bracken County200
Allen County232Breckinridge County100
Mercer County102Butler County010
Green County101Caldwell County000
Letcher County002Carlisle County000
Martin County101Carroll County100
Washington County211Clinton County000
Edmonson County001Crittenden County100
Lincoln County302Cumberland County100
Todd County201Gallatin County210
Bath County211Garrard County200
Magoffin County011Grant County100
Franklin County004Hancock County000
Breathitt County011Harlan County110
Grayson County422Harrison County000
Morgan County001Hart County250
Bell County312Henderson County200
Carter County312Hickman County000
Larue County001Jessamine County230
Estill County101Johnson County000
Fleming County031Knox County200
Union County041Lee County000
Boyle County102Leslie County000
Knott County021Lewis County230
Lawrence County001Livingston County300
Henry County021Logan County000
Rockcastle County001Marion County120
Mason County001Mccracken County200
Whitley County352Menifee County030
Spencer County101Metcalfe County010
Graves County452Monroe County100
Pike County623Montgomery County200
Bullitt County334Nicholas County000
Daviess County045Oldham County010
Clay County401Owsley County120
Pulaski County333Powell County110
Hopkins County002Robertson County000
Campbell County434Scott County220
Kenton County617Taylor County100
Boyd County002Wayne County110
Ohio County011Webster County200
Perry County361Wolfe County120
Fayette County81312Woodford County110
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Note that these statistics include teenage drivers.

At this point, Kentucky ranks 31st in the nation for under-18 DUI arrests. This rate is higher than the national average.

EMS Response Time

The arrival of EMS at the scene of an accident is a relief to everyone involved. That’s why it’s always good to have a general idea of how long it takes EMS to arrive at the scene of a crash.

Population DensityTime of Crash to EMS
EMS Notification to
EMS Arrival
EMS Arrival at Scene
to Hospital Arrival
Time of Crash to Hospital
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It’s pretty standard for EMS to arrive at urban accidents more quickly than rural ones. In Kentucky, this standard holds true. If you get into an accident in Louisville or one of Kentucky’s other larger cities, you’ll likely make your way from the scene of your accident to a hospital within half an hour. If you’re in a rural area, you’ll make your way to a hospital within an hour.

Never fear, though. EMS tends to arrive in rural areas within 13 minutes of being alerted to an accident.


Finally, what does an average day driving through Kentucky look like?

Car Ownership

According to Data USA, nearly half of the households in Kentucky keep two cars in their garages. Just over 20 percent of drivers have three on hand, which is just slightly above the national average.

Commute Time

Employees living and working in Kentucky can also boast shorter commute times. The US national average commute time comes in at 25.5 minutes.

Comparatively, Kentucky’s average commute time clocks at 22.4 minutes.

That said, 1.9 percent of Kentucky’s workforce does have to succumb to the super-commute, or a commute that lasts more than 90 minutes.

Commuter Transportation

Some of that congestion can be chalked up to Kentucky’s drive for independence. Over 80 percent of drivers in Kentucky prefer to drive to and from work alone.

Traffic Congestion in Kentucky

That commute time will only be exasperated if you happen to live and drive in Kentucky’s more urban areas. Both Lexington and Louisville make it onto Inrix’s list of the most congested cities in the world.

CityHours spent in congestionPercent spent in congestion - PEAKPercent spent in congestion - DAYTIMEPercent spent in congestion - OVERALL
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And with that, we’ve come to the end of our guide to Kentucky car insurance. If you want to start comparing car insurance rates ASAP, you can use our FREE online tool by entering your zip code.