Kentucky Car Insurance
Whether you are being pulled over or caught in an accident, having an insurance policy as required by law in the state of Kentucky is a smart plan.
Auto Insurance Requirements In Kentucky
In Kentucky, there is a law called The Kentucky Motor Vehicle Reparations Act, which mandates that drivers in the state of liability insurance, as well as no-fault protection, before registering their vehicles for operating them on roadways. Many states allow people to get insurance after registering their vehicles, but Kentucky wants to make sure that you are adequately covered before the registration process begins. The minimum requirements for automobile insurance in the state include $25,000 per person and $50,000 per accident of bodily injury liability coverage, as well as $25,000 per accident for property damage liability coverage. In addition, personal injury protection, or PIP, must be purchased in an amount no less than $10,000 per accident.
Other types of car insurance coverage are not required by the state of Kentucky but can be a good option for many people. Other types of insurance that are available include comprehensive insurance coverage, collision insurance coverage, lease gap insurance coverage, and uninsured motorist coverage. Each of these types of insurance that have benefits to them, but people need to balance their own risks and budgets to determine what the best combination of insurance types is for them.
Average Cost Of Coverage In Kentucky
Coming in at below the national average, the average cost of car insurance in the state of Kentucky can vary quite a bit depending on the city a person lives in, in addition to the number of claims a person has filed, how good their driving record is, how good their credit score is, and there are numerous other variables that are considered as well. This means that comparison-shopping for the best auto insurance providers is a smart idea. By comparing the cheapest auto insurance providers in the state of Kentucky, you can move forward on your journey to having adequate automobile insurance coverage.
Cheapest Car Insurance Companies In Kentucky
Companies that have the cheapest car insurance quotes in Kentucky are often the ones that people should start researching one first purchasing a vehicle or if they are shopping around for less expensive rates overall. Getting quotes from at least three different companies can help people get an idea of the range of car insurance quotes and which companies might be best for them. Some of the research has already been done here, so taking advantage of this article is good place to start.
The cheapest car insurance providers in the state of Kentucky include The Cincinnati, Progressive, Granger Mutual, Geico, and Motorist Mutual. These companies come in below the state average and can be fantastic companies for people to check out.
Cheapest Car Insurance In Kentucky By City
Finding the cheapest cities for car insurance in Kentucky can be done utilizing the tools on this website. Cities like Lexington, Owensboro, Covington, and Nicholasville are on the lower end of the cost spectrum for car insurance. Save even more with free quotes here.
Most Expensive Car Insurance in Kentucky by City
As with any list, anytime there are cheaper car insurance companies that are listed, there are also cities on the other end of the spectrum, the ones that are more expensive overall. The more expensive cities in Kentucky for insurance include Salyersville, Prestonburg, Paintsville, and Hazard. Even more expensive than these cities, however, is the city of Pikeville.
Taking advantage of all of the discounts you can help you save money on car insurance in these cities, as well as any other city in the state, is a benefit. Ask about making your entire payment upfront, if possible. Make sure to utilize well-known and reputable companies, see if there are any multi-bundle car insurance packages you can put together, and look to maintain a good driving record to help keep your rates as low as possible.
Laws, Rules And Penalties In Kentucky
There are a number of laws in place in Kentucky, laws that require a person to carry proof of financial security whenever they are driving. For first offenses for car insurance in the state, there is a fine of between $500 and $1,000. These fines go up for second and subsequent offenses. In addition, people can face driver’s license suspension or jail time.
How To Save Money On Car Insurance In Kentucky
Saving money on car insurance can happen in a number of different ways. From discounts where people bundle car insurance with other types of insurance, to maintaining a good driving record, to getting free quotes on car insurance in order to compare different companies and different plans so that you can get connected with the ones that suits your needs the best, the tools are here to help.