Last updated: June 8, 2015 at 16:43 pm
Saving Money on your Kentucky Car Insurance

Indiana Car Insurance Coverage 


We help drivers in Kentucky understand the auto insurance coverage requirements. If you are thinking about comparing Kentucky car insurance policies make sure you have a solid understanding to the coverage levels you are required to carry.

Some coverage may not be appropriate depending on various factors but some will be which are more specific to your needs. If you are looking to save money on car insurance having a good understanding of these levels and what options you have is critical. Speak to your local agent if you have any questions on topics you do not fully understand.

Save on your Kentucky auto insurance by:

  • Good driver discounts. Drive smart. Drive safe. Drive responsibly. If you go for three years without an accident or tickets, you have an opportunity to get a great rate.
  • Safe vehicle discounts. Many insurers offer lower rates for models of cars for which they seldom have claims. Have you checked your car’s safety rating lately?
  • Defensive driver training. Completing either state-registered safe driving courses or insurance company-sponsored courses may get you significantly lower premiums.
Compare auto insurance in Indiana


Insurantly will connect you with an auto insurance agent after you entered your Kentucky zip code. Explore your options now and find a great rate and coverage that fits your needs. Call

Coverage Requirements

Bodily Injury Liability: $25,000/$50,000 Limit
Property Damage Liability: $10,000 Limit

Kentucky Cost Averages Per Driver

Current average car insurance premium in Kentucky $1,769.41
Current average car insurance premium U.S. $1,446.49

Average premiums in Kentucky cities
Lexington $1,595.24
Louisville $1,969.22

Uninsured or underinsured Motorist in Kentucky

The concept behind uninsured or underinsured motorist coverage is that it provides protection to insured drivers is victims of an automobile accident. Even though Kentucky requires drivers to have car insurance to operate a motor vehicle, plenty of drivers do so without the mandated insurance.

UI and UIM coverage jumps in at this point to protect the insured driver for damage costs in the event that the uninsured motorist is unable to pay.

Kentucky - The Bluegrass State

Kentucky is a southern state with a down home country atmosphere, great people, and tons of things to see and do. The varied landscape of this state makes it a great drive and wants to help Kentucky drivers find the right car insurance it meet their needs.

Kentucky is called the Bluegrass State for his fields of blue-colored grass and bluegrass music. There is more to the state of Kentucky than just grass – it contains the longest cave system in the country at Mammoth Cave National Park.

It is home to the most popular horse racing event in America, the Kentucky Derby. Kentucky is a southern state with plenty of forests but also has more easy to navigate streams and waterways than anywhere else in the country. The hunting is prime in Kentucky with bountiful turkey, deer and even elk.

UM & UIM In Kentucky Including Who is at Fault for a KY Auto Accident

Kentucky has no laws regarding carrying uninsured or underinsured motorist coverage. However, the state does recommend that drivers purchase the additional coverage to add on to their auto insurance policy. This may be because 16% of the drivers in the state of Kentucky are operating vehicles without the required insurance.

Kentucky is a rare state in terms of auto insurance coverage because it gives drivers the right to choose between no fault insurance or at fault insurance. Currently, all of the state is a no fault state which means each individual driver is responsible for covering their own damages and drivers give up much of their right to sue for damages under a no fault system.

However, drivers can chose to purchase the at fault insurance, giving them more rights to sue but all making them responsible for all damages they may cause in an accident. Due to the Choice No Fault system in Kentucky, drivers also have the option of purchasing Personal Injury Protection coverage with a $10,00 limit.

Injured in a Car or truck accident in Kentucky?


You could get a large settlement:

  • The driver responsible has car insurance
  • He/she was negligent or at fault
  • You are still within your state’s limitations (typically 2 years)

 Do you have a case? Calculate your settlement For free.

Call toll Free: for serious accident injuries and speak with a Kentucky personal injury firm specializing in serious accident cases . 3 minutes to find out if you have a case!

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