Kentucky Auto Insurance

From Kentucky Auto Insurance Laws & Requirements to Kentucky DUI Laws, from Kentucky Teen Driver Laws to Kentucky Auto Insurance Rate Estimates, from Kentucky Auto Theft Statistics to Kentucky Auto Insurance Rate Trends, trying to find all the information you need can be daunting. The good news is that if you're a Kentucky driver, the facts you want are right here.
Kentucky Auto Insurance Laws, Minimums, Requirements
What mandatory auto insurance laws exist in the state of Kentucky?
Kentucky DUI Laws
In 2007, the state of Kentucky reported 913 fatal car crashes. Of the 913 fatal car crashes, 255 (or 28%) were alcohol related. While alcohol-related car accidents are not as common in Kentucky as they are in states like Texas and Florida, the Kentucky Transportation Cabinet and law enforcement officials want to send a clear message to all Kentucky motorists: If you drink and drive, you will go to jail. Not only this, but if aggravating circumstances are present, such as speeding or an accident that results in injury or death, the penalties will be enhanced.
Kentucky (KY) Teen Auto Insurance Laws, Rates & Requirements
In the state of Kentucky, teens represent 6% of all drivers on the road, yet they account for 20% of all persons injured in car accidents and 13% of all fatalities. What’s worse is, in 2007, more than 500 teens were involved in alcohol-related car crashes—12 were fatal. In response to the problems associated with teen driving, Kentucky now protects its teen’s drivers through the states Graduated Teen-Licensing Law.
Kentucky Department of Insurance
PO Box 517
Frankfort, Kentucky 40602-0517
Phone: 502.564.3630

Insurance Rate Examples for Kentucky

Looking for an auto insurance quote so you can save money on your car insurance in Kentucky? Use the rate tool below to get an estimated rate comparison based on auto insurance policy profiles similar to yours. Note that these rates are only estimates and do not constitute actual quotes.
 

Kentucky Auto Insurance Rate Trends

Knowing auto insurance rates, average monthly premiums, and rate trends for Kentucky makes you an informed consumer. We've compiled recent auto insurance quotes so that you can see Kentucky's average monthly premiums and rate trends by month, and compare those to the national averages. Check out our chart of monthly premiums, and our table of rate increases and rate decreases, and get the info you need to make an educated decision about how much you pay for auto insurance.
National Average
KY Avg. Monthly Premiums
$160
$150
$140
$130
$177
$151
$167
$150
$166
$149
$164
$151
$165
$152
$170
$152
$167
$153
JulJunMayAprMarFebJan

KY Premium$ Change% ChangeNational Avg$ Change% Change
Jul$177$106.0%$151$10.7%
Jun$167$10.6%$150$21.3%
May$166$21.2%$149$21.3%
Apr$164$10.6%$151$10.7%
Mar$165$52.9%$152$00.0
Feb$170$31.8%$152$21.3%
Jan$167$21.2%$153$21.3%
Data as of 2009. Source: Insurance.com

Top Ten Stolen Cars in Kentucky

1. 1997 Chevrolet C/K 1500 Pickup (full size)
2. 1997 Ford F150
3. 1991 Toyota Camry
4. 1986 Chevrolet Caprice
5. 1991 Chevrolet Cavalier
6. 1987 Oldsmobile Cutlass
7. 1994 Ford Taurus
8. 1995 Jeep Cherokee/Grand Cherokee
9. 1998 Chevrolet Blazer
10. 1996 Ford Explorer

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