The State of Kentucky

If you live in the Bluegrass State, you know there’s a lot more to it than horses and bourbon. The Appalachian Mountains are quite a sight to see above ground. Still, many enjoy exploring the world’s longest connected cave system or rafting down our many waterways, including the Ohio River. But before you set out, you’ll need car insurance.

Drivers in the commonwealth will be happy to learn that they usually pay less than the national average for car insurance. But that doesn’t mean you should sign up for the first insurance agency you find. Compare rates from multiple companies to make sure you don’t pay any more than you have to for quality insurance coverage.

With the help of OnlineAutoInsurance.com, you no longer have to make time-consuming phone calls to compare auto insurance rates from different companies! Simply complete the following quick questionnaire and instantly compare car insurance quotes from multiple insurance carriers without any personal information. But before you start, you take some time to learn about what you need, and what other options you should consider.

Kentucky Car Insurance requirements:

Kentucky law requires motorist to carry the following minimum coverage:

Liability Coverage

$25,000 Bodily Injury Protection per person to pay for medical expenses if you injure someone in a car accident, as well as lost wages if they are unable to work.

$50,000 Bodily Injury Protection per accident if more than one person is injured

$10,000 Property Damage Liability for damages to a vehicle or structure damages as a result of an at-fault accident.

Personal Injury Protection (PIP)

$10,000 No-fault coverage provides the policyholder protection up to the policy limits for medical expenses, loss of wages, and other related injuries regardless of who is at fault, even if there is negligence involved. This will cover the driver as well as anyone riding in the car and pedestrians hit by the vehicle. Carrying this policy limits your ability to sue other drivers who cause an accident, but you can choose to opt out. You might think that PIP is unnecessary if you have health insurance, but health insurance providers usually require you to reimburse them for medical expenses from injuries caused by a car accident.

Although the above are the minimum requirements, keep in mind that they do not provide you coverage in all instances, and a severe accident can quickly exceed the limits on the minimum policies. When you’re comparing car insurance quotes, you should consider raising your limits and purchasing additional policies. Some options may be relatively inexpensive but provide you a lot more protections. Compare rates with a variety of coverage and consider if you’d be able to afford to replace your car if you skip coverage.

Kentucky no-fault insurance laws

Kentucky is considered a choice no-fault state, which means that purchasing no-fault insurance waives your right to recover the first $10,000 in damages and limits your ability to sue another driver for additional compensation after a car accident. In order to meet the requirements, you have to have medical bills over $1000, a broken bone, or have permanent disfigurements.

You can choose to opt out of your no-fault insurance by rejecting your Personal Injury Protection in writing. However, you will no longer be entitled to the mandatory benefits your policy would pay out if you’re injured in a crash. Even if you reject your benefits, you still have to carry a “guest PIP” insurance policy. This will cover occasional passengers in your car that aren’t part of your family, as well as pedestrians you might hit with your car.

If you choose to opt out, you can sue for damages on your vehicle without meeting any requirements, but other drivers can also sue you just as freely. You will also pay higher premiums to reflect this higher risk of being sued. This is because your liability insurance will help pay legal fees, and opting out significantly increases the likelihood you will be sued.

Proof of Insurance is required year-round

Failure to comply with KY car insurance laws can lead to expensive fines and/or suspension of an automobile’s registration, as well as up to 90 days in jail. Driving without insurance is not worth it, especially if you get into a car accident.

In order to crack down on uninsured motorists, Insurance providers are required to notify the Kentucky Department of Transportation when you cancel your policy. Once you do, you will receive notification of pending registration cancellation unless you can provide proof of insurance.

Even if you have a seasonal vehicle, like a motorcycle or RV, you are required to carry insurance on it as long as it is registered. If you want to cancel the policy between use, you must turn in your license plates to your local county clerk before ending your coverage.

Additional Car Insurance Coverage

Before you choose an insurance provider, there are several other policies to consider. But if you still owe money on your car or you’re driving a leased vehicle, you will be required to carry comprehensive and collision coverage until it’s paid in full or the term is up. Consider the cost and benefit of adding each of these policies when you’re comparing car insurance quotes, but don’t skip coverage you need just to pay less each month—if you can’t afford the cost of an accident, you can’t afford to cut coverage.

Collision Coverage: If you’re in an at-fault accident, this policy will cover the cost to fix your vehicle or to replace it if it’s totaled, no matter who is responsible. Collision policies may also be used in place of underinsured motorist coverage because it will pay the rest of the damages if the at-fault driver’s policies are already maxed out. Some of them also cover the cost of towing and can provide reimbursement for rental vehicles.

Comprehensive coverage: Comprehensive coverage pays for damages caused by events out of your control, like fire or storm damage. It will also pay to repair your car if you collide with an animal or if your car is stolen or vandalized.

Uninsured and underinsured motorist coverage: These policies will pay damages if an uninsured motorist hits your car. The policy can also be used to cover the difference between what another driver’s insurance pays and the total cost of your repairs or medical payments. It can stack with your liability and personal injury policies to make sure you get the coverage you need. Insurance companies in Kentucky are required to offer you this coverage, but you can choose to decline it.

Finding cheap car insurance in Kentucky

The best way to find affordable car insurance premiums is to take advantage of OnlineAutoInsurance.com’s comparison services. Once you decide the car insurance coverage you need, you can start comparing rates by filling out our form with the information insurance companies use to set your rates. Your age, zip code, driving record, and the kind of vehicle you drive all factor into the cost of your policy.

You can adjust your rates by experimenting with different types of coverage. Adjusting the limits can sometimes significantly make a difference in price. If you can afford it, try raising your deductible to lower your premiums. If you haven’t purchased a car yet, find out how much a different vehicle will cost to insure. Quotes are free, so get as many as you can!

Some of the factors insurance companies use to set rates are out of your control, but you can take steps to improve your driving history and credit score. The longer you go without a traffic citation (e.g. for texting while driving), the lower your rates will be. A defensive driving course will help you get a discount, but incidents on your record will affect your rates for up to three years. But taking steps to improve your credit score can help lower your rates even sooner.

The Kentucky Department of Insurance provides helpful free publications such as the Kentucky Auto Insurance Consumer Guide as well as other insurance consumer pages. Drivers can also sharpen their knowledge by visiting our learning center.

The bottom line

Even if you already have an insurance policy, you can save a lot of money by shopping around. Now that you know what you’re looking at, finding coverage will be as simple as choosing a reputable insurance company with rates that work for you, without sacrificing any protection if the worst-case scenarios happen. So don’t hesitate—find the company that’s best for you, and you can buy your policy online and have proof of insurance in a few minutes.