Kentucky Car Insurance (The Only Guide You’ll Ever Need)
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UPDATED: Jul 19, 2021
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|Kentucky Statistics Summary||Details|
|Miles of Roadway||79,727|
|Miles Driven in the State||47,941 million|
|Most Popular Vehicle||Ford F-150|
|Uninsured Motorist Rate||11.5%|
|Total Driving-Related Deaths in 2018||782|
|Speeding Fatalities in 2018||138|
|DUI Fatalities in 2018||181|
|Average Annual Car Insurance Cost||Liability: $529.21
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.
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.
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|
|Annual Per Capita Disposable Personal Income||$33,237.00|
|Monthly Per Capita Disposable Personal Income||$2,769.75|
|Percentage of Income||2.76%|
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 Type||Kentucky Average||Nationwide Average|
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.
Break your coverage availability down even further, and you’ll find new options, including those listed below:
|Type of Insurance||Kentucky loss ratio||Countrywide average loss ratio|
|Uninsured/Underinsured Motorist Coverage||71.27||67.33|
|Personal Injury Protection||75.04||69.41|
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:
- Guaranteed Auto Protection (GAP)
- Personal Umbrella Policy (PUP)
- Rental Reimbursement
- Emergency Roadside Assistance
- Mechanical Breakdown Insurance
- Non-Owner Car Insurance
- Modified Car Insurance Coverage
- Classic Car Insurance
- Pay-As-You-Drive or Usage-Based Insurance
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:
|Company||25-Year-Old Male Monthly Premium||25-Year-Old Female Monthly Premium||Male 55-Year-Old Monthly Premium||Female 55-Year-Old Monthly Premium|
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.
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.
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 Cities||Average Car Insurance Rates|
And the top ten most expensive cities.
|Kansas Most Expensive Cities||Average 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 Group||A+
|Kentucky Farm Bureau Group||A
|Liberty Mutual Group||A
|Nationwide Corp Group||A+
|Shelter Insurance Group||A
|State Auto Mutual Group||A-|
|State Farm Group||A++
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:
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.
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:
|Company||National Median Complaint Ratio||Company Complaint Ratio 2017||Total Complaints 2017|
|Allstate Insurance Group||1||0.5||163|
|Kentucky Farm Bureau Group||1||0.02||1|
|Liberty Mutual Group||1||5.95||222|
|Nationwide Corp Group||1||0.28||25|
|Shelter Insurance Group||1||0.61||47|
|State Auto Mutual Group||1||1.74||23|
|State Farm Group||1||0.44||1482
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:
|Company||Company||Average||Compared to State Average||Percentage Compared To Average|
|Allstate P&C||Allstate P&C||$7,143.92||$1,948.52||27.28%|
|GEICO General||GEICO General||$4,633.59||-$561.81||-12.12%|
|Nationwide Mutual||Nationwide Mutual||$5,503.23||$307.82||5.59%|
|Progressive Direct||Progressive Direct||$5,547.63||$352.23||6.35%|
|SAFECO Ins Co of IL||SAFECO Ins Co of IL||$5,930.97||$735.57||12.40%|
|State Farm Mutual Auto||State Farm Mutual Auto||$3,354.32||-$1,841.09||-54.89%|
|Travelers Home & Marine Ins Co||Travelers Home & Marine Ins Co||$6,551.68||$1,356.27||20.70%|
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:
|Group||Commute And Annual Mileage||Annual Average|
|Allstate||10 miles commute. 6000 annual mileage.||$7,143.92|
|Allstate||25 miles commute. 12000 annual mileage.||$7,143.92|
|GEICO||10 miles commute. 6000 annual mileage.||$4,590.52|
|GEICO||25 miles commute. 12000 annual mileage.||$4,676.65|
|Liberty Mutual||10 miles commute. 6000 annual mileage.||$5,930.97|
|Liberty Mutual||25 miles commute. 12000 annual mileage.||$5,930.97|
|Nationwide||10 miles commute. 6000 annual mileage.||$5,503.23|
|Nationwide||25 miles commute. 12000 annual mileage.||$5,503.23|
|Progressive||10 miles commute. 6000 annual mileage.||$5,547.63|
|Progressive||25 miles commute. 12000 annual mileage.||$5,547.63|
|State Farm||10 miles commute. 6000 annual mileage.||$3,270.85|
|State Farm||25 miles commute. 12000 annual mileage.||$3,437.78|
|Travelers||10 miles commute. 6000 annual mileage.||$6,551.68|
|Travelers||25 miles commute. 12000 annual mileage.||$6,551.68|
|USAA||10 miles commute. 6000 annual mileage.||$2,789.64|
|USAA||25 miles commute. 12000 annual mileage.||$3,006.15|
While differences in rate don’t always contribute to significant premium fluctuation, you should be aware of potential price spikes when choosing a provider.
Coverage Level Rates by Company
Similarly, your chosen level of coverage is going to impact the amount you’re expected to pay:
|Group||Coverage Type||Annual Average|
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:
|Group||Credit History||Annual Average|
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.
|Group||Driving Record||Annual Average|
|Allstate||With 1 accident||$7,724.51|
|Allstate||With 1 DUI||$8,260.64|
|Allstate||With 1 speeding violation||$6,679.30|
|GEICO||With 1 accident||$4,913.10|
|GEICO||With 1 DUI||$7,467.13|
|GEICO||With 1 speeding violation||$3,387.81|
|Liberty Mutual||Clean record||$4,937.70|
|Liberty Mutual||With 1 accident||$7,618.06|
|Liberty Mutual||With 1 DUI||$5,913.45|
|Liberty Mutual||With 1 speeding violation||$5,254.67|
|Nationwide||With 1 accident||$5,662.92|
|Nationwide||With 1 DUI||$7,183.66|
|Nationwide||With 1 speeding violation||$4,807.99|
|Progressive||With 1 accident||$6,816.16|
|Progressive||With 1 DUI||$5,224.39|
|Progressive||With 1 speeding violation||$5,569.65|
|State Farm||Clean record||$3,079.02|
|State Farm||With 1 accident||$3,629.62|
|State Farm||With 1 DUI||$3,354.32|
|State Farm||With 1 speeding violation||$3,354.32|
|Travelers||With 1 accident||$5,868.49|
|Travelers||With 1 DUI||$8,514.63|
|Travelers||With 1 speeding violation||$6,120.50|
|USAA||With 1 accident||$3,087.95|
|USAA||With 1 DUI||$3,693.72|
|USAA||With 1 speeding violation||$2,627.86|
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.
|Ranking||Company||Direct Premiums Written||Loss Ratios||Market Share|
|1||State Farm Group||$714,964||65.70%||23.59%|
|2||Kentucky Farm Bureau Group||$566,603||75.94%||18.70%|
|5||Liberty Mutual Group||$206,822||59.60%||6.82%|
|6||Allstate Insurance Group||$190,422||50.09%||6.28%|
|8||Nationwide Corp Group||$88,331||57.90%||2.91%|
|9||Shelter Insurance Group||$57,753||63.96%||1.91%|
|10||State Auto Mutual Group||$56,056||72.38%||1.85%|
Who are the largest auto insurance companies in Kentucky?
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 Insurer||Number of Available Providers|
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.
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.
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
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
- 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 Offenses||3 Point Offenses||4 Point Offenses||5 Point Offenses||6 Point Offenses||Hearing-possible suspension|
|Careless driving||11-15 mph over speed limit on limited access highway||Reckless driving||Improper passing||16-25 mph over speed limit on any road or highway||26 mph over speed limit on any road or highway|
|Improper lane usage||15 mph or less over speed limit on any non-limited access highway||Following too close||–||Failure to stop for church or school bus||Attempting to elude police officer|
|Improper use of left lane/limited access highway||Failure to yield||Driving on wrong side of roadway||–||Committing a moving hazardous violation involving an incident||Racing|
|Failure to illuminate headlights or failure to dim headlights||Failure to yield right-of-way to funeral procession||Changing drivers in a motor vehicle||–||Committing two or more moving hazardous violations in any continuous occurrence||–|
|Failure to comply with Instructional Permit requirements||Stop violation (traffic signal, railroad crossing, stop sign)||Vehicle not under control||–||–||–|
|Any other moving hazardous violation||Wrong way on a one-way street||Failure to yield to emergency vehicle||–||–||–|
|Texting while driving||Too fast or too slow for road conditions||–||–||–||–|
|–||Improper driving, improper start, or improper turn||–||–||–||–|
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:
|Restrictions||Permit||Intermediate License||Unrestricted License|
|Age||Minimum age 16||After 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 again||After holding an intermediate license for six months (minimum age 17) or age 18|
|Hours of Driving||Minimum 60 hours 10 of which must be at night||Must have completed the permit requirement||Must have completed the permit requirement|
|Time||Cannot drive between 12:00 A.M. and 6:00 A.M without good cause||Cannot drive between 12:00 A.M. and 6:00 A.M without good cause||No restrictions|
|Passenger||One unrelated passenger under 20 years old limit except when supervised by a driving training instructor||One unrelated passenger under 20 years old limit except when supervised by a driving training instructor||No restrictions|
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 Laws||Fines||Car Seat||Adult Belt||Additional Fines|
|Who is covered?|
In what seats?
|Maximum base fine 1st offense, additional fees may apply||Must be in |
child safety seat
|Adult belt permissible||Maximum base fine 1st offense, additional fees may apply|
|7 and younger and more than 57 inches in all seats; 8+ in all seats||$25||40 inches or less in a child restraint; 7 and younger who are between 40 and 57 inches tall in a booster seat||taller than 57 inches||$50 child restraint; $30 booster seat|
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
- Tow trucks
- Recovery vehicles
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:
- Erie Insurance
- State Farm
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.
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.
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:
|Penalty||First Offense||Second Offense||Third Offense||Fourth Offense|
|Suspended License||30-120 days||12-18 months||24-36 months||60 months|
|Imprisonment||2-30 days||7 days-6 months||30 days-12 months||Minimum 120 days without probation|
|Program Attendance||90 days of alcohol or substance abuse program||1 year alcohol or substance abuse treatment||1 year alcohol or substance abuse treatment||1 year alcohol or substance abuse treatment|
|Community Service||Possible 48 hours-30 days of community labor||10 days-6 months community labor||10 days-12 months community labor||n/a|
|Mandatory Ignition Interlock Device||No (Yes if BAC is over 0.15)||Yes||Yes||Yes|
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/Model||Year||Number of Thefts|
|Chevrolet Pickup (Full Size)||1998||250|
|Ford Pickup (Full Size)||2001||241|
|Dodge Pickup (Full Size)||2001||93|
|Chevrolet Pickup (Small Size)||2000||79|
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:
|City||Motor Vehicle Thefts|
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 Condition||Daylight||Dark, but Lighted||Dark||Dawn or Dusk||Other / Unknown||Total|
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 Name||Fatalities Per 100K Population 2015||2016||2017||County Name||2015||2016||2017|
|Lyon County||12.03||12.37||24.75||Pulaski County||1.57||3.12||1.55|
|Gallatin County||0.00||0.00||22.79||Allen County||4.84||9.65||0.00|
|Carlisle County||0.00||0.00||20.64||Anderson County||0.00||0.00||0.00|
|Owen County||0.00||18.76||18.58||Bath County||16.40||0.00||0.00|
|Edmonson County||0.00||0.00||16.36||Boyd County||6.18||0.00||0.00|
|Magoffin County||7.83||7.89||15.95||Bracken County||12.08||0.00||0.00|
|Cumberland County||0.00||0.00||14.91||Breckinridge County||5.01||0.00||0.00|
|Nicholas County||0.00||14.16||14.03||Campbell County||1.09||6.52||0.00|
|Trigg County||7.03||0.00||13.85||Carroll County||0.00||0.00||0.00|
|Floyd County||2.66||0.00||13.79||Christian County||4.10||5.58||0.00|
|Ballard County||0.00||0.00||12.44||Clay County||9.53||4.83||0.00|
|Lincoln County||0.00||0.00||12.27||Crittenden County||0.00||10.91||0.00|
|Rockcastle County||5.91||5.93||11.98||Elliott County||0.00||0.00||0.00|
|Trimble County||0.00||0.00||11.68||Estill County||0.00||0.00||0.00|
|Bell County||0.00||0.00||11.15||Fleming County||0.00||6.89||0.00|
|Whitley County||13.85||5.54||11.05||Fulton County||0.00||0.00||0.00|
|Mclean County||0.00||21.41||10.87||Garrard County||0.00||0.00||0.00|
|Adair County||5.18||0.00||10.26||Grant County||4.04||0.00||0.00|
|Clinton County||0.00||0.00||9.73||Graves County||13.45||5.38||0.00|
|Leslie County||0.00||0.00||9.68||Green County||0.00||0.00||0.00|
|Nelson County||11.09||6.59||8.76||Greenup County||0.00||2.79||0.00|
|Washington County||8.33||0.00||8.25||Hancock County||0.00||11.45||0.00|
|Caldwell County||7.84||0.00||7.91||Harlan County||0.00||3.70||0.00|
|Taylor County||7.81||0.00||7.85||Harrison County||0.00||5.38||0.00|
|Butler County||0.00||0.00||7.79||Hart County||10.87||16.19||0.00|
|Breathitt County||0.00||7.58||7.72||Henderson County||2.16||2.16||0.00|
|Perry County||3.66||14.72||7.53||Henry County||6.42||0.00||0.00|
|Lewis County||14.72||22.26||7.50||Hickman County||0.00||0.00||0.00|
|Jackson County||0.00||0.00||7.45||Johnson County||4.32||0.00||0.00|
|Carter County||10.93||3.67||7.37||Kenton County||2.44||0.00||0.00|
|Casey County||0.00||0.00||6.35||Knott County||0.00||0.00||0.00|
|Mason County||0.00||5.83||5.82||Knox County||9.55||3.19||0.00|
|Clark County||0.00||2.79||5.55||Larue County||0.00||0.00||0.00|
|Spencer County||0.00||5.48||5.40||Lawrence County||0.00||0.00||0.00|
|Marion County||5.21||5.22||5.16||Lee County||0.00||0.00||0.00|
|Bourbon County||24.88||9.97||4.99||Letcher County||0.00||4.40||0.00|
|Laurel County||1.67||3.33||4.99||Livingston County||10.76||21.70||0.00|
|Barren County||2.30||0.00||4.57||Logan County||0.00||0.00||0.00|
|Rowan County||4.06||4.10||4.08||Martin County||0.00||0.00||0.00|
|Daviess County||2.01||4.01||3.99||Mccreary County||11.19||0.00||0.00|
|Franklin County||0.00||0.00||3.96||Menifee County||0.00||0.00||0.00|
|Grayson County||0.00||3.83||3.79||Mercer County||0.00||4.67||0.00|
|Bullitt County||3.81||2.52||3.74||Metcalfe County||0.00||0.00||0.00|
|Jefferson County||1.70||2.74||3.63||Monroe County||0.00||0.00||0.00|
|Montgomery County||3.63||0.00||3.58||Morgan County||0.00||0.00||0.00|
|Meade County||14.41||3.57||3.55||Muhlenberg County||0.00||6.44||0.00|
|Pike County||6.47||3.31||3.40||Ohio County||0.00||4.13||0.00|
|Boyle County||6.73||0.00||3.34||Oldham County||0.00||0.00||0.00|
|Marshall County||3.22||3.20||3.19||Owsley County||0.00||0.00||0.00|
|Mccracken County||7.70||3.06||3.06||Pendleton County||0.00||0.00||0.00|
|Calloway County||0.00||5.16||2.57||Powell County||8.17||8.13||0.00|
|Fayette County||0.95||3.45||2.48||Robertson County||0.00||0.00||0.00|
|Warren County||0.00||3.17||2.33||Russell County||5.66||0.00||0.00|
|Boone County||2.35||3.10||2.29||Simpson County||5.59||5.56||0.00|
|Hopkins County||8.68||6.56||2.20||Todd County||16.10||0.00||0.00|
|Madison County||3.40||3.35||2.19||Union County||0.00||20.28||0.00|
|Shelby County||0.00||0.00||2.11||Wayne County||29.12||9.64||0.00|
|Jessamine County||0.00||3.83||1.87||Webster County||0.00||0.00||0.00|
|Hardin County||4.71||0.94||1.85||Wolfe County||13.80||13.86||0.00|
|Scott County||3.84||0.00||1.82||Woodford County||7.75||0.00||0.00|
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 Roadway||2013||2014||2015||2016||2017|
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.
|Light Truck - Pickup||92||115||120||116||126|
|Light Truck - Utility||84||84||99||88||90|
|Light Truck - Van||20||21||25||32||32|
|Light Truck - Other||0||0||0||0||1|
|Bicyclist and Other Cyclist||3||4||7||9||7|
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:
|Total Fatalities (All Crashes)||638||672||761||834||782|
|Involving a Large Truck||78||68||81||100||89|
|Involving a Rollover||157||200||229||216||203|
|Involving a Roadway Departure||410||456||499||529||472|
|Involving an Intersection (or Intersection Related)||116||119||122||152||179|
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:
|Top Ten Counties||223||220||246||284||276|
|All Other Counties||415||452||515||550||506|
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:
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 Name||2015||2016||2017||County Name||2015||2016||2017|
|Lyon County||2||0||2||Jefferson County||27||20||26|
|Owen County||1||1||2||Muhlenberg County||0||1||1|
|Mccreary County||1||1||3||Marshall County||0||1||1|
|Fulton County||1||0||1||Warren County||2||4||4|
|Adair County||0||1||3||Christian County||2||5||2|
|Jackson County||0||1||2||Greenup County||1||0||1|
|Trigg County||0||1||2||Clark County||2||0||1|
|Pendleton County||0||0||2||Floyd County||3||2||1|
|Elliott County||0||0||1||Calloway County||0||3||1|
|Casey County||2||2||2||Boone County||1||5||3|
|Rowan County||0||2||3||Barren County||2||1||1|
|Trimble County||0||0||1||Madison County||6||4||2|
|Laurel County||2||1||7||Nelson County||5||2||1|
|Russell County||1||1||2||Shelby County||1||4||1|
|Simpson County||1||0||2||Hardin County||5||1||1|
|Mclean County||1||0||1||Anderson County||0||1||0|
|Meade County||4||4||3||Ballard County||0||0||0|
|Bourbon County||0||1||2||Bracken County||2||0||0|
|Allen County||2||3||2||Breckinridge County||1||0||0|
|Mercer County||1||0||2||Butler County||0||1||0|
|Green County||1||0||1||Caldwell County||0||0||0|
|Letcher County||0||0||2||Carlisle County||0||0||0|
|Martin County||1||0||1||Carroll County||1||0||0|
|Washington County||2||1||1||Clinton County||0||0||0|
|Edmonson County||0||0||1||Crittenden County||1||0||0|
|Lincoln County||3||0||2||Cumberland County||1||0||0|
|Todd County||2||0||1||Gallatin County||2||1||0|
|Bath County||2||1||1||Garrard County||2||0||0|
|Magoffin County||0||1||1||Grant County||1||0||0|
|Franklin County||0||0||4||Hancock County||0||0||0|
|Breathitt County||0||1||1||Harlan County||1||1||0|
|Grayson County||4||2||2||Harrison County||0||0||0|
|Morgan County||0||0||1||Hart County||2||5||0|
|Bell County||3||1||2||Henderson County||2||0||0|
|Carter County||3||1||2||Hickman County||0||0||0|
|Larue County||0||0||1||Jessamine County||2||3||0|
|Estill County||1||0||1||Johnson County||0||0||0|
|Fleming County||0||3||1||Knox County||2||0||0|
|Union County||0||4||1||Lee County||0||0||0|
|Boyle County||1||0||2||Leslie County||0||0||0|
|Knott County||0||2||1||Lewis County||2||3||0|
|Lawrence County||0||0||1||Livingston County||3||0||0|
|Henry County||0||2||1||Logan County||0||0||0|
|Rockcastle County||0||0||1||Marion County||1||2||0|
|Mason County||0||0||1||Mccracken County||2||0||0|
|Whitley County||3||5||2||Menifee County||0||3||0|
|Spencer County||1||0||1||Metcalfe County||0||1||0|
|Graves County||4||5||2||Monroe County||1||0||0|
|Pike County||6||2||3||Montgomery County||2||0||0|
|Bullitt County||3||3||4||Nicholas County||0||0||0|
|Daviess County||0||4||5||Oldham County||0||1||0|
|Clay County||4||0||1||Owsley County||1||2||0|
|Pulaski County||3||3||3||Powell County||1||1||0|
|Hopkins County||0||0||2||Robertson County||0||0||0|
|Campbell County||4||3||4||Scott County||2||2||0|
|Kenton County||6||1||7||Taylor County||1||0||0|
|Boyd County||0||0||2||Wayne County||1||1||0|
|Ohio County||0||1||1||Webster County||2||0||0|
|Perry County||3||6||1||Wolfe County||1||2||0|
|Fayette County||8||13||12||Woodford County||1||1||0|
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 Density||Time of Crash to EMS|
|EMS Notification to|
|EMS Arrival at Scene|
to Hospital Arrival
|Time of Crash to Hospital
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?
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.
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.
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.
|City||Hours spent in congestion||Percent spent in congestion - PEAK||Percent spent in congestion - DAYTIME||Percent spent in congestion - OVERALL|
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.