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Kentucky car insurance rates rank slightly higher than the national average, but independent insurance agents can help you find the best rates on the coverage you need.
The average cost for car insurance nationwide is $1,311. In Kentucky, residents pay an average of $1,341 per year. You'll get the best rates if you compare quotes from multiple companies before you choose a policy.
Even the best Kentucky drivers sometimes find themselves involved in an accident. If you are involved in a collision, here are some ways that your car insurance will help...
Every Kentucky driver needs to carry at a minimum a certain level of auto coverage in case of accidents. State law mandates car insurance so that drivers have the funds to pay for damage to someone else's vehicle or cover medical costs after an accident.
The driver who caused the accident is responsible for covering the cost of damages.
There is a serious problem that all drivers have to think about: Sometimes people drive without any insurance. That means you could be at serious risk if you are hit by a driver who isn't insured. Since Kentucky has a very high uninsured driver rate, you need to make sure you're protected if you get into an accident with one of them.
Uninsured motorist coverage gives you a backup plan, stepping in to pay for car repairs and medical bills if you get into an accident with a driver who doesn't have car insurance.
The best insurance company for one person might not be the best choice for another. Independent insurance agents compare coverage and prices from a variety of highly rated insurance companies to find the policy that is best for you.
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
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