Question 1

What type of car insurance does Kentucky require?

Accepted Answer

All Kentucky drivers must carry minimum  liability auto insurance, including:

$25,000 bodily injury per person per accident
$50,000 bodily injury per accident
$25,000 in property damage liability

Question 2

What is full coverage auto insurance in Kentucky?

Accepted Answer

A policy providing more coverage than the required state minimum liability insurance is considered full coverage insurance in Kentucky. For example, full coverage includes state minimum liability coverage alongside comprehensive, collision, and uninsured/underinsured motorist insurance.

Question 3

Is Kentucky a no-fault state?

Accepted Answer

Yes, Kentucky is a choice no-fault state. Drivers can opt out of no-fault coverage, allowing them to sue and be sued for damages in the event of an accident. If you wish to opt out of no-fault coverage, speak to your insurance company or the Kentucky Office of Insurance.

Question 4

Does no-fault coverage include property damage?

Accepted Answer

No-fault coverage doesn’t include property damage, so drivers and passengers can file a property damage claim against the at-fault driver. In Kentucky, drivers must carry liability insurance, so if a property damage claim gets filed, the at-fault party’s liability insurance will cover property damage costs up to the coverage limit.

Question 5

How long do I have to get insurance after moving to Kentucky?

Accepted Answer

Drivers new to Kentucky have 15 days to register their vehicles after relocating to the state.

Question 6

Do I need uninsured motorist coverage in Kentucky?

Accepted Answer

You are not legally required to have uninsured motorist coverage in Kentucky, but it can be a useful coverage to add onto your Kentucky auto insurance policy.

Question 7

What are the penalties for not having car insurance in Kentucky?

Accepted Answer

In Kentucky, drivers face the following penalties for driving without auto insurance:

Fine of $500 to $1,000
Up to 90 days in jail
Registration cancellation

Question 8

How can I save money on car insurance in Kentucky?

Accepted Answer

To save money on car insurance in Kentucky, shop around to compare rates, bundle insurance policies, consider removing unnecessary coverage, and adjust your deductibles. Additionally, improving your credit score and reviewing available discounts can help lower your premiums. Enter your ZIP code into our free quote tool below to find the best auto insurance quotes in KY for your needs and budget.

Question 9

Which insurance companies offer car insurance in Kentucky?

Accepted Answer

In Kentucky, several car insurance companies provide coverage options, including Geico, Nationwide, Liberty Mutual, Progressive, State Farm, Allstate, and USAA. These insurers offer a variety of policies to meet the needs of drivers across the state.

Question 10

How much is Kentucky auto insurance?

Accepted Answer

Minimum auto insurance in Kentucky is an average of $55 per month, and full coverage auto insurance in Kentucky is an average of $168 per month. (Read More: Kentucky Minimum Auto Insurance Requirements)

Question 11

Why is Kentucky auto insurance expensive?

Accepted Answer

Why is car insurance so expensive in Kentucky? Is a common question for those who&#8217;s moving to Kentucky, auto insurance rates are expensive because of location factors like crashes and weather. Getting Kentucky auto insurance quotes from multiple different companies will help most drivers find savings.

Question 12

Is it illegal to not have auto insurance in Kentucky?

Accepted Answer

Yes, it is illegal to not carry Kentucky auto insurance if you are a Kentucky resident. To find out if you can get cheaper auto insurance rates, enter your ZIP code into our free quote tool below to instantly compare prices from various companies near you.

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