Compare car insurance quotes from several top insurance companies and find the cheapest auto insurance rates in the state of Kentucky in less than 5 minutes. Let CheapQuotesCarInsurance.com teach you everything you need to know about buying affordable auto insurance that fits your budget and your lifestyle. Learn about Kentucky minimum car insurance requirements and how the cost of auto insurance in Kentucky compares to the cost of auto insurance in other states. We offer top online auto insurance comparison tools for Kentucky residents. Car insurance rates change every year, so be sure to view quotes from at least two insurance companies and lower your car insurance premiums today.

Kentucky Minimum Car Insurance Requirements:

Kentucky state law requires that car insurance policies must include a minimum bodily injury liability coverage limit of $25,000 for one person in an accident and $50,000 for all persons injured per accident. The minimum property damage liability coverage limit is $10,000. These minimum coverage limits for Kentucky are more commonly listed as 25/50/10. Kentucky also requires motorists to carry minimum personal injury protection coverage of $10,000. Kentucky does not require Uninsured/Underinsured Motorist coverage.

Kentucky’s Most Common Car Insurance Coverage

The cheapest Kentucky auto insurance policies will only meet the minimum state requirements for insurance coverage, but many customers will want and need more insurance coverage including: coverage for uninsured/underinsured motorists , medical,  collision, and comprehensive coverage. Discover which coverage is best for you.

Kentucky Auto Insurance Laws

Kentucky is a no fault insurance state. This means that each person’s insurance company covers their medical, lost wages, and funeral expenses that result from an accident regardless of who was at fault. There are exceptions to no-fault. If medical expenses exceed a certain amount, the at-fault driver will be responsible for paying for the damages. No-fault does not usually apply to property damage, so you may collect expenses either from your own insurance company or the other driver’s insurance company if the other driver is at fault.

Average cost of Car Insurance in Kentucky

The National Association of Insurance Commissioners (NAIC) and the Insurance Information Institute (I.I.I.) provide data about auto insurance premiums for all 50 states. Kentucky residents spend an average of $720 per year for car insurance (liability coverage). Kentucky ranks as the 23nd cheapest state to buy auto insurance. The national average is $811 per year for car insurance (liability coverage). In 2010, Kentucky car insurance premiums have decreased slightly compared to 2009. Now is the time to compare auto insurance rates from multiple providers to lower your car insurance premiums.

We offer local car insurance quotes available in all of Kentucky including:

Bowling Green
Covington
Frankfort
Henderson
Hopkinsville
Jeffersontown
Lexington
Louisville
Owensboro
Richmond

Insurance companies weigh the factors that affect your car insurance rates differently so everyone’s rates will be different for each company. Smart auto insurance shoppers will compare quotes from several car insurance companies to find the cheapest car insurance quote possible. CheapQuotesCarInsurance.com has partnered with top insurance companies like Geico, Nationwide, AllState, Esurance, Liberty Mutual, and Travelers to provide our customers with affordable quotes from highly reputable insurance providers. Enter your zip code and answer several general questions about your driving history to compare Kentucky auto insurance rates and save money on your auto insurance premiums.

To contact Kentucky’s department of Insurance:

insurance.ky.gov
Mailing address:
Kentucky Department of Insurance
215 West Main Street
Frankfort, KY 40601

Phone number
(502) 564-3630

Toll-free number
(800) 595-6053

Fax number
(502) 564-165