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| A requirement to driving a vehicle legally in the state of Kentucky is insurance. The minimum limits of liability are $25,000 per person for bodily injury, $50,000 per accident for bodily injury to two or more people and $10,000 per accident for property damage. Some insurers will offer combined single limit coverage of $60,000 total for bodily injury and property damage together. At a minimum, any Kentucky auto insurance quote will include these limits and the no-fault personal injury protection will pay up to at least $10,000 for medical expenses regardless of who is at fault. If you want cheap insurance for your car in Kentucky, then choose these amounts of coverage.
Cheap however, is not always the best. It is advisable to seek the most affordable auto insurance policy in Kentucky by shopping around. Contact and agent in this directory and request a free Kentucky car insurance quote on the minimum limits as well as higher limits.
Our multi line insurance agent’s directory lists insurance professionals representing some of the top companies selling policies in the state. Most companies will offer discount Kentucky vehicle insurance policies if you purchase more than one policy from the same company. These agents can sell you a property insurance policy as well as insure your automobile or even your boat. Simply make one phone call and solve all of your insurance needs. Agents are standing by waiting for your call today. |
| Bowling Green | Glasgow | Lexington | Owensboro |
| Campbellsville | Greensburg | Liberty | Richmond |
| Columbia | Hodgenville | Louisville | Russell Springs |
| Elizabethtown | Lebanon | Munfordville | Willisburg |
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Kentucky is a "choice no-fault" state. This means a driver, you can choose to insure yourself under the tort system or the no fault system. Under either system, drivers in Kentucky are required to purchase both liability coverage and PIP coverage for their passengers who are not direct family members. Buying the basic PIP coverage, you forfeit your right to sue the other driver in an accident for the cost of injuries, unless the cost exceeds a certain level. Kentucky insurance companies will allow you to buy back that right (even though you carry PIP) for an increase in your premium. Many states now also use credit as a rating tool and having good credit can mean a lower rate. Rates are determined by the driving habits of the drivers within a state. The state's liability minimums are 25/50/10. That is $25,000 per individual for bodily injuries you cause to the other persons, and up to $50,000 for all, and $10,000 for damage you cause to the other party's personal property. Kentucky determines auto insurance rates based on driving record, age, area you live in, and the type of vehicle you drive. You may want to consider higher coverages than the state minimums. Visit the Kentucky Department of Insurance for additional details at the Insurance Basics link on this site. |
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