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Kentucky Car Insurance State Minimum Requirements

Kentucky is a “no-fault” state to help keep the price of insurance costs as low as practical and to minimize court actions that drivers file each year; therefore the state of Kentucky has passed a no-fault policy for its residents.

Since the state is no-fault drivers are required to get Personal Injury Protection to covers things like lost wages, funeral and medical expenses and without reference to the driver who is “at-fault”.

Minimum Liability Car Insurance Coverage in Kentucky

CoverageKentucky Minimum Liability CoverageRecommended Auto Insurance Coverage
Bodily Injury Protection$25,000 / $50,000$50,000 / $100,000
Property Damage$10,000$25,000
Personal Injury Protection* $10,000$10,000
Uninsured Motorist BI (per person / per accident)**$25,000 / $50,000$50,000 / $100,000
Uninsured Motorist PD***Optional$25,000
ComprehesiveOptional$500 deductible
CollisionOptional$500 deductible

*All marked with an * can be declined in writing.

**BI = Bodily Injury

***PD = Property Damage

No Fault Restrictions

Just like other no-fault states there are restrictions to the policy in place with the state of Kentucky throughout Louisville, Lexington, and Covington. For example, if the damages from an accident surpass a certain limit the driver who is at-fault could be held responsible for the damages.

Normally, if the costs surpassed $10,000 then the restrictions are lifted and the other driver at-fault can be taken to court.

Under the no-fault system in Kentucky the driver of the automobile and the passengers will register a claim with the auto insurance corporation that insures the vehicle they were driving.

In some instances, the driver will have a difficult time to sue the other driver if the elect to participate in the no-fault system.

The good part is they will not need to wait on the auto insurance company to determine who is at fault before the driver(s) have to pay for their own medical costs. PIP will cover this for them.

Who has the Cheapest Car Insurance in Kentucky?

RankAuto Insurance CompanyAvg. Premium
1Kentucky Farm Bureau$867
2State Farm$898
3USAA$1,008
4GEICO$1,116
5Cincinnati Insurance$1,143
7Motorists Mutual$1,345
8Grange Mutual$1,421
9Auto-Owners$1,496
10Encompass$1,578
11Westfield$1,599
12Nationwide$1,654
13Allstate$1,678
14Safe Auto$1,893
15Electric$1,934
16Liberty Mutual$1,967
17MetLife$2,243
18Shelter$2,367

Note: Kentucky Farm Bureau & Allstate are the only two companies with premiums less than $1,000. In the State of Kentucky, Kentucky Farm Bureau is highly competitive against all major insurance companies. USAA, GEICO, and Cincinnati Insurance complete the top five. Therefore, if you want to get a competitive car insurance rate you would want to get quotes from all of them.

Graph 1 – Illustration of Insurance Quotes in Kentucky

This graph shows the most affordable auto insurance providers in the state of Kentucky. KY Bureau, State Farm, USAA, GEICO, Motorist Mutual.

Graph 2 – Illustration of insurance quotes against State Average

This graph illustrates the cheapest auto insurance firms compared against the state average premium in Kentucky.

Note: Grange Mutual, Motorist Mutual, Cincinnati Insurance, GEICO, USAA, State Farm, and Kentucky Farm Bureau are below the State Average Premium.

Drivers in Kentucky need to maintain a set limit of 25/50/10 the numbers are in thousands of bodily injury and property damage:

Bodily Injury Liability:

$25,000 for injuries to one individual in the other vehicle and up to a max of $50,000 for multiple passengers in the other vehicle which are in a car accident.

Property Damage Liability:

$10,000 for repairs to damaged property including doors, traffic signs and damage for the other vehicle must be acquired to be legal to drive in the state.

Uninsured Motorists (UM)

Kentucky has a high uninsured motorist rate so it would be a good idea to get UM (uninsured motorist) protection on your policy if you are concerned in an auto accident with a driver who does not have insurance.

UM protection is going to cover the costs of damage to your vehicle which was cause by the uninsured motorist.

If you have a new or newer model car then you would want to consider comprehensive and collision cover for your vehicle.

On this page you can enter your zip code and get three or more quotes, be sure to compare and pick the rate the fits your budget and has equal or more cover.

If you are unsure of the type of coverage you need then you can have chat with an agent, request they give you call. If you know exactly what you want then you can purchase insurance online and have proof within ten minutes or so.

Comparison of Auto Insurance Companies in Major Cities

Table 1 – Louisville

RankAuto Insurance CompanyAvg. Premium
1Kentucky Farm Bureau$978
2USAA$1,087
3Cincinnati Insurance$1,123
4State Farm$1,369
5City of Louisville Avg.$1,455

Graph

This graph shows the cheapest insures in the city of Louisville. KY farm bureau, USAA, Cincinnnati Insurance, State farm.

Table 2 – Lexington

RankAuto Insurance CompanyAvg. Premium
1Kentucky Farm Bureau$896
2GEICO$967
3State Farm$1,145
4Grange Mutual$1,195
5Allstate$1,206
6Motorists Mutual$1,324
7City of Lexington Avg.$1,289

Graph

This chart shows the cheapest insurers in the city of Lexington, KY. Geico, KY Farm Bureau, State Farm Grange Mutual.

Table 3 – Bowling Green

RankAuto Insurance CompanyAvg. Premium
1Kentucky Farm Bureau$912
2USAA$967
3State Farm$1,089
4Grange Mutual $1,132
5GEICO$1,240
6City of Bowling Green Avg.$1,505

Graph

This chart shows the cheapest insurers in the state of Bowling Green

Table 4 – Owensboro

RankAuto Insurance CompanyAvg. Premium
1Kentucky Farm Bureau$712
2USAA$789
3State Farm$890
4Grange Mutual$899
5GEICO$1,045
6Motorists Mutual$1,167
7Auto-Owners$1,364
8City of Owensboro Avg.$1,267

Graph

This chart shows affordable auto insurers in the city of Owensboro, KY

Table 5 – Covington

RankAuto Insurance CompanyAvg. Premium
1Kentucky Farm Bureau$890
2Cincinnati Insurance$972
3USAA$1,007
4GEICO$1,234
5City of Covington Avg.$1,278

Graph

This chart shows the affordable auto insurers in the city of Covington, KY.

Motor Vehicle & Insurance Resources

Department of InsuranceDepartment of TransportationDepartment of Motor Vehicles
215 West Main St.
Frankfort, KY 40601
(502) 564-6154
200 Mero St.
Frankfort, KY 40622
(502) 564-1257
200 Mero St.
Frankfort, KY 40622
(502) 564-1257
WebsiteWebsiteWebsite

Local Kentucky Car Insurance Agents & Avg. Premium

CityAvg. Premium
Ashland $1,432
Bowling Green$1,505
Danville $1,298
Elizabethtown $1,321
Florence $1,267
Frankfort $1,567
Georgetown$1,278
Henderson $1,398
Hopkinsville$1,257
Independence $1,127
Jeffersontown$1,421
Madisonville $1,376
Murray $1,276
Covington $1,294
Fort Mitchell$1,529
Owensboro$1,267
Paducah$1,363
Radcliff $1,247
Richmond$1,285
Shivley$1,474
Winchester$1,275
Greg Fowler
I love to network, travel, and spend time with my children. When I am not doing that I am working on AutoInsureSavings or other websites. If I am working, the best way to reach me is via my Google+ Profile.

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