Cheap Car Insurance in Kentucky
Compare the best rates from top car insurance companies in Kentucky.
Kentucky Car Insurance
If you want to drive legally on the roads of Kentucky, you must have an active Kentucky auto insurance policy. According to recent surveys, the average yearly car insurance premium in Kentucky is $2,050 which is 43.7% higher than the national average of $1,427. However, any licensed driver should carry a minimum required level of insurance in the state of Kentucky.
A licensed driver should carry a minimum liability auto insurance Kentucky for him/her to drive legally. This auto insurance will cover your vehicle at the time of an accident.
The minimum policy coverage
- $25,000 bodily injury liability per person per accident.
- $50,000 bodily injury liability per accident.
- $25,000 property damage liability per accident.
Cheap Car Insurance in Kentucky
In Kentucky, the insurance rates depend on several factors such as age, gender, marital status, credit report, your driving history, vehicle model and zip code. If you are looking for cheap auto insurance in Kentucky and compare car insurance quotes from top providers. Call and get a cheap car insurance quote in Kentucky.
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- Accident Forgiveness
- Roadside Assistance
- Rental Reimbursement
- Extended Coverage
Cheap car insurance providers in Kentucky
Cheap car insurance providers in Kentucky are:
Cheap car insurance providers in Kentucky are Cincinnati Insurance, Kentucky Farm Bureau, USAA, Auto-Owners, Motorists Mutual, Grange Mutual, Travelers, State Farm, Westfield, Safe Auto, Nationwide, Progressive, etc.
Kentucky Auto Insurance FAQS
Which are the least expensive cities in Kentucky to insure?
Auto insurance in Kentucky is least expensive in cities such as Fort Thomas, Owensboro, Bowling Green, Florence, and Independence.
What is Kentucky’s “no-fault accident system”?
Kentucky has a no-fault accident system. According to the no-fault system, your insurance coverage will pay for the expenses of anyone covered under the policy despite who caused the accident. A no-fault claim can pay up to $10,000 for out of pocket expenses (medical expenses, loss of wage, etc.). In Kentucky, anyone who was driving or riding in the vehicle at the time of an accident is entitled to receive no-fault benefits under the policy.
One can exclude no-fault benefits at the time of purchasing a policy but then the policy purchaser preserves the right to pursue a liability claim or personal injury lawsuit against the at-fault driver. The state also has a “serious injury threshold” which enables you to move out of the no-fault system and enables you to file a lawsuit against the person who caused the accident. Also, Kentucky’s no-fault system only applies to the injuries caused in the accident. You are free to file a vehicle damage claim against the at-fault party.
Which are the most expensive cities in Kentucky to insure?
Auto insurance in Kentucky is expensive in cities such as Louisville, Saint Matthews, Madisonville, Paducah, and Jeffersontown.
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