Insurance Quote KY
Insurance Quote KY; Car insurance quote ky
Are you in the market for car insurance in KY? Finding the best deal on insurance requires knowing what factors affect insurance premiums and how to compare quotes, whether you live in Louisville, Lexington, or any other city in the Bluegrass State. Get your Kentucky auto coverage Insurance to make sure you have the coverage you need.
What car insurance is required in Kentucky?
Drivers in Kentucky are required to have
- Bodily Injury to others
- Property Damage Liability
- Uninsured Motorist Coverage
- Personal Injury Protection
Here are the minimum auto insurance limits drivers must have in Kentucky.
Bodily Injury to Others……….. $25,000 per person and $50,000 per accident
Property Damage Liability…… $25,000 per accident
Uninsured Motorist Coverage-$25,000 per person and $50,000 per accident
Personal Injury Protection (PIP) -$10,000 per accident
What is Kentucky’s cost average for auto insurance?
According to thezebra.com, the average annual cost of auto insurance in Kentucky was $1,8792 in 2021. That surpasses the national average by 23%. Naturally, several things affect your auto insurance premium, such as your age, residence, and driving record.
Car insurance quote ky
Factors that affect car insurance rates
- Age
- Location
- Vehicle usage
- Your driving record
- Speeding and traffic tickets
- At-fault accidents
- Not-at-fault and one-car accidents
- Coverage selections
- Vehicle type
- Marital status
- Mileage
- Credit
What discounts are available in Kentucky?
- Multi-car
- Homeowners
- Prior insurance
- Paid in full
- Quarterly
- Advanced quote
- Defensive driver course
- Anti-theft
Best Cities for Cheap Car Insurance in Kentucky
Here is the list of auto insurance in the top cities of Kentucky:
City Avg. Annual Premium
Louisville …………………$2,432
Frankfort………………….. $1,731
Elizabethtown…………… $1,779
Jeffersontown…………… $1,904
Winchester……………….. $1,719
Radcliff ……………………..$1,798
Madisonville……………… $1,787
Henderson………………… $1,754
Danville……………………. $1,737
Georgetown………………. $1,715
Ashland……………………. $1,783
Murray…………………….. $1,763
SR-22 Car Insurance in Kentucky
SR-22 insurance is required for drivers whose licenses have been suspended for excessive traffic infractions or fines, such as speeding or DUI. This demonstrates the driver’s ability to afford the state’s minimal coverage requirements.
It’s crucial to remember that Kentucky does not mandate SR-22 insurance. However, you will need to carry it if you are coming from out of state and are obliged to have an SR-22 there.
Get a free quote to see how much you could save
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