Cheap Car Insurance in Kentucky

Drivers in Kentucky want the lowest price auto insurance rates possible without having to skimp on coverage. Residents of the state can find cheap car insurance by evaluating rates from different lenders. At, we aim to empower drivers in the Bluegrass State by allowing them to find affordable insurance that gives them the protection that they need.

The cost of auto insurance depends on numerous factors, such as the kind of car a policyholder has, the driver’s location, and the driving history of a policyholder. Kentucky requires auto insurance among those driving in the state, and those found to be driving without coverage may be subject to the cancellation of their vehicle registration.

Kentucky Car Insurance Requirements

Kentucky mandates a 25/50/10 combination of liability protection. This means that drivers must have at least $25,000 in coverage in case of bodily injury for one person, $50,000 in case of bodily injury for more than one person, and $10,000 in property damage coverage in case of an accident.

Kentucky law also requires personal injury protection, or PIP, to be included in car insurance policies. This covers expenses related to an injury during an accident regardless of who is at fault. This provides up to $10,000 in coverage per person, per accident.

Collision, Comprehensive, and Other Options

Drivers must understand what protection they need based on their unique situation. Collision insurance, which is optional in Kentucky, may be required by a lender when a vehicle is financed. Collision insurance requires the policyholder to choose a deductible amount, which is what the policyholder must pay out-of-pocket after an accident before coverage kicks in. Generally, rates will decrease the higher the deductible of a policy is. Comprehensive insurance can pay for damages to a vehicle due to climate, falling objects, hit-and-run drivers, and unavoidable water damage.

Another optional type of coverage in Kentucky is uninsured motorist (UM) coverage. This coverage protects you or your passengers in case of an injury due to an uninsured driver. Though auto insurance is required in Kentucky, unfortunately there will always be some motorists not abiding by this law. As with collision and comprehensive coverage, UM coverage, though coming with an extra cost, may be regarded as worth it due to the peace of mind it brings to many consumers.

You can begin your search for cheap car insurance from reputable companies in Kentucky by getting your free quote at the top of this page!