Kentucky Auto Insurance – KY Car Insurance

Home / Car Insurance By State / Kentucky Auto Insurance – KY Car Insurance

The average price of a car insurance policy in Kentucky has increased by 158% since 2005. As a result drivers in Kentucky are now paying an average premium of $1,935 – compare this to the 2005 average which was $750. This price jump of more than half has brought attention to the need to buy more affordable auto insurance in Kentucky. The best way to lower your premiums is by comparing rates before you buy. This way you can get a good idea of how much your policy is going to cost and which insurance companies will provide the cheapest rates.

Kentucky Car Insurance Coverage Requirements

In Kentucky all those operating an automobile must have car insurance. The two components that all drivers must purchase are: bodily injury liability and property damage liability.

In Kentucky the liability minimum for bodily injury per person is $25,000 and for bodily injury per accident is $50,000. Property damage liability must be $10,000 and for all property damages $60,000 per accident.

Discounts Offered to Drivers in Kentucky

Drivers in Kentucky can choose from a variety of discounts to help lower their insurance costs. Here is a list of the more popular discounts that you may be eligible for:

  • Senior drivers discount
  • Good student discount
  • Anti-theft device discount
  • Good driver discount

Kentucky Car Insurance Complaint Resolution

If you have a problem with your insurance provider that you cannot resolve contact the Kentucky Department of Insurance for more information.

Web site:

Mailing Address:
Kentucky Office of Insurance
215 West Main Street
Frankfort, KY 40601
Phone Toll Free: 1-800-595-6053

Help us grow, if you've found this article helpful, please share it with your friends.