The state of Kentucky requires all vehicle owners to carry car insurance. At a minimum, your policy must include liability insurance to cover third-party injuries or property damage if you cause an accident, and personal injury protection to cover injuries to you and your passengers, regardless of fault. In Kentucky, driving without insurance can cost you fines ranging from $500 to $2,500, revocation of your driving privileges, suspension of your registration, and even jail time.
Vehicle owners in Kentucky pay an average of $1,341 per year for their coverage. This is just slightly higher than the national average rate of $1,311. Your price for coverage will be based on a number of factors, including specifics about your car (such as its make, model, and year), details about you (like your age, occupation, driving record, and credit score), and information about the other licensed drivers in your household. Every insurance company has its own way of calculating rates, so comparing quotes helps you be sure that you are getting your policy at a competitive price.
I searched for an independent agent online through TrustedChoice.com. I just filled out some specific information and then I received a call. The call was short and to the point. I was pointed in the right direction for specific agents and I was left satisfied.Mary of Owensboro Kentucky Consumer Affairs
Kentucky is a no-fault state, which means that your car insurance will cover your injuries up to a specified limit, regardless of fault. That is why all car insurance policies in this state must include personal injury protection coverage. All policies are also required by law to include liability coverage to cover injuries and property damage you may cause to others if you are responsible for an accident. Collision and comprehensive coverage are not required by the state of Kentucky, but are usually required by lenders if you are still paying for your vehicle. Insurance providers offer a mixture of mandatory and optional coverage, including:
If you currently owe more for your vehicle than it is worth, gap insurance can provide an added layer of protection in the event that your vehicle is totaled. Talk to your local independent agent to learn more.
There are currently 331 independent insurance agencies in Kentucky that are ready to help you find the right auto insurance policy. These agents are free to work with several different insurance providers, so they can obtain a variety of customized car insurance quotes that you can review and compare together. Let a local independent agent help you find the best and most competitively priced policy to meet all your auto coverage needs.