Kentucky Car Insurance FAQ - Quick Answers

Kentucky's annual car insurance rates are $1,341, which is slightly more expensive than the national figure of $1,311 per year. To find the most affordable premiums on your auto policy, obtain multiple quotes from a trusted adviser.

A variety of risk factors can determine what your Kentucky car insurance costs will be, and the carriers look for the following when rating your policy:

  • Your driving record
  • Claims history
  • Location
  • Radius traveled
  • Value of vehicle
  • Coverage selected

Each Kentucky auto policy provides different coverage limits, but some of the most common are: 

  • Bodily injury liability: Pays for medical expenses of others.
  • Property damage liability: Pays for property damage of others.
  • Personal injury protection: Pays for your medical expenses.
  • Uninsured/underinsured motorist: Pays for an accident involving an uninsured/underinsured motorist

In Kentucky, 11.5% of the driving population is uninsured. This means that if you're not properly protected with uninsured motorist coverage, you'll be on the hook for a loss. Uninsured motorist insurance pays for your damage or injury when an uninsured driver is at fault for an accident. 

In Kentucky, you are required to carry the state minimum limits of coverage listed below:

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

Yes, Kentucky is a no-fault state with laws that say drivers must file a claim with their own insurance company first after a car accident in order to pay for things like medical bills and expenses caused by the accident.

Do You Know What Your Kentucky Car Insurance Covers?

Find the Best Car Insurance in Your City

How does your city measure up to the national average?

National average time spent commuting 26.9 Min

National average car thefts per 1,000 2.3 Year

National average car insurance cost $1,311 Year

CityCommute time (min)Auto thefts / 1,000Annual insurance cost
Augusta23.20.88$1,203
Bellevue201.22$1,313
Bowling Green18.13.65$858
Elizabethtown18.62.4$1,440
Fisherville25.11.76$1,411
Florence22.32.19$1,279
Fort Thomas19.50.61$1,238
Frankfort17.32.56$1,441
Harrodsburg20.91.76$1,377
Louisville24.81.75$2,133
Maysville20.51.71$801
Mount Sterling181.91$1,025