Kentucky Car Insurance


The Bluegrass State is home to the Kentucky Derby, an event that brings thousands of race fans from around the world together for fun and more. Kentucky Kingdom is one of the best theme parks in the U.S., and of course you cannot forget the delicious Bourbon produced in mass in the state. These are just some of the things that you can love about the state, but when you’re without the state-required auto insurance coverage, things are just not the same. You’re breaking the law without this coverage, and being a criminal isn’t cool.

Kentucky Car Insurance Requirements

In Kentucky drivers must carry a policy offering the following amounts of coverage:

  • $25,000/ $50,000 Bodily Injury Protection
  • $10,000 Property Damage protection
  • $10,000 Personal Injury Protection (PIP)

These amounts are minimum and if you want better protection, you can elect to purchase higher amounts. Optional policies can also be purchased to provide you with greater peace of mind.

If you are found to be driving in the state without the required insurance in place you are subject to a number of penalties, including fines and potential suspension of your driving privileges.

Optional Auto Insurance in Kentucky

You have the option to purchase the following types of car insurance in addition to the state-required policy.

  • Collison
  • Comprehensive
  • Uninsured Motorists/ Underinsured Motorists
  • Rental Car coverage

Talk to an insurance agent about each of these policies if you are interested. Also keep in mind that you might be required to carry a collision/comprehensive policy if you are financing a new or used vehicle.

Factors Affecting Kentucky Car Insurance Rates

Car insurance companies actually use a number of factors to determine the amount of your coverage. Some of these factors are controllable while others are not. Some of the factors that affect the cost of your auto insurance policy:

  • Age
  • Driving Record
  • Where you Live
  • Educational Level
  • Insurance History
  • Amount of Coverage
  • Type of Coverage
  • Deductible Amount
  • Company you Insure with
  • Type of Vehicle being Insured

Kentucky Car Insurance Discounts

You can do yourself a favor by asking your insurance agent about auto insurance discounts that you might qualify for. These discounts quickly add up and make it easy for you to save more of your hard-earned money than you ever imagined possible. Some of the discounts offered in the state include:

  • Good Driver discounts
  • Good student discounts
  • Multi-Policy discounts
  • Multi-Car discounts
  • Paid in Full discounts

Do not miss out on these discounts, and be sure to ask about them before you purchase a policy.

Kentucky Auto Insurance Quick Facts

Proof of insurance must be provided upon request from any law enforcement officer, and after you’ve been involved in an automobile accident. This proof should be the insurance card that is provided by your insurance company. It is considered driving without insurance if you do not have this proof with you at all times.

Electronic verification is used to verify that you have insurance prior to granting a registration for your vehicle. This is a secondary method for verify coverage. It is important that your insurance company report your current insurance standing for this process to be completed.

If you are found to be driving without the state required insurance in place, you could receive the following penalties:

  • Fines as high as $1,000
  • Up to 90 days in county jail
  • Suspension of your driver’s license
  • High Risk Categorization

If you are categorized as a high-risk driver, it can be difficult to find an auto insurance company that is willing to work with you. In addition, the cost of a policy will substantially increase. You can obtain a policy through the Kentucky Automobile Insurance Plan if you find that insurance companies are unwilling to work with you because of your high risk status.

It is not worth the hassle, so make sure that you always have, at a minimum, the state-required coverage in place at all times. It is better to be safe than to be sorry, as they say, and as damaging as a car accident can be, you will certainly be sorry that you do not have insurance in place.