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Kentucky Car Insurance

Driving in Kentucky means navigating everything from the small-town roads of Russell Springs to the bustling city streets of Louisville. That's why having reliable car insurance is a must, as it ensures you're covered no matter where your journey takes you in the Bluegrass State.

Amica offers customized Kentucky car insurance quotes that allow you to tailor your coverage with comprehensive protection backed by personalized service. Don’t settle for a one-size-fits-all approach when it comes to protecting yourself and your family on the road. Instead, take the time to get a customized quote for coverage that meets your unique needs.

Understanding Kentucky’s auto insurance minimums

In Kentucky, drivers are required to carry the following minimum liability coverage limits for auto insurance:

  • Bodily Injury Liability Coverage
    • $25,000 per person
    • $50,000 per accident
  • Property Damage Liability Coverage
    • $25,000 per accident

Bodily injury liability coverage: Provides financial protection for causing bodily harm to others in an auto accident. It includes medical expenses, lost wages, pain and suffering, and rehabilitation costs. If you’re sued, your policy may also pay legal defense costs. Coverage is subject to policy limits and exclusions.

Property damage liability coverage: Provides coverage for damage you cause to someone else’s property in an auto accident where you’re at fault. This includes the costs of repairing or replacing the other party’s vehicle, as well as any other damaged property, such as fences or other structures. Additionally, your policy may help with legal fees if you’re sued for the property damage you caused. Coverage is subject to certain limitations and exclusions.

In addition to the minimum liability coverage requirements, Kentucky mandates coverage for uninsured motorist bodily injury and personal injury protection (PIP) with the following minimum limits:

  • Uninsured Motorist Bodily Injury Coverage:
    • $25,000 per person*
    • $50,000 per accident*
  • Personal Injury Protection (PIP):
    • $10,000

Uninsured motorist bodily injury coverage: Provides protection if you’re injured in an accident caused by a driver who’s uninsured and unable to cover your medical bills and other expenses.

Personal injury protection (PIP): This no-fault coverage can help pay for medical expenses and lost wages if you or your passengers are injured in an accident. This includes necessary medical bills, lost wages, funeral expenses, survivor’s loss and loss of services.

*In Kentucky, these coverages can be rejected in writing.

It’s important to understand that these are just the minimum requirements, and Kentucky drivers may choose higher coverage limits for added protection.

Additional Kentucky car insurance coverage

Opting for additional auto insurance coverage beyond state-mandated minimums can provide invaluable protection in various scenarios. It’s not only a wise choice for safeguarding your finances and assets, but may be required coverage if you lease or finance your car. Here are some additional coverages Kentucky drivers might consider:

  • Comprehensive (other than collision): Provides coverage for damage to your vehicle caused by things other than a collision. Includes damage from falling trees or rocks kicked up by other cars.
  • Collision coverage: Coverage for repairs to your vehicle if it’s damaged in a collision with another vehicle or object, regardless of fault.
  • Rental reimbursement: If your vehicle is damaged in an accident and needs repairs, rental reimbursement coverage pays for transportation costs. Coverage includes rental cars, ridesharing or public transportation like trains, taxis and buses.
  • Auto loan/lease coverage: Coverage for the difference between what you owe on your loan or lease and the current value of your vehicle if it’s totaled in a covered accident.
  • Roadside assistance coverage: Provides roadside assistance 24/7 for issues you may face on the road like changing flat tires, jumping dead batteries, towing your car, unlocking doors and getting your car unstuck from the mud. 
  • Repairing or replacing auto glass: Provides coverage for repair or replacement of your windshield, windows and other auto glass, without a deductible.

How Kentucky car insurance rates are determined

There are several factors that impact auto insurance in Kentucky, including individual circumstances, location, claims in your state and more. Consider these points:

  • Driving history: Your individual driving record significantly impacts insurance premiums. Drivers in Kentucky with a history of accidents or traffic violations typically face higher rates, while those with clean records may have lower rates.
  • Coverage options and limits: Choosing the minimum state-required coverage is typically more affordable, while adding optional coverages with higher limits will result in higher premiums.
  • Vehicle type: The make and model of your vehicle can influence your car insurance rates. Factors such as safety ratings, repair costs and the likelihood of theft contribute to premium calculations.
  • Weather patterns in Kentucky: Weather-related incidents impact car insurance rates, particularly for comprehensive coverage that includes protection against damage caused by the weather.

It’s important to know that auto rates change over time for a number of reasons. Some of those reasons, like your driving record and claim history, are within your control, while others, like industry repair rates and claim frequency in your area, are not. If your auto rates increase, you may be able to mitigate the increase by adjusting your coverage or deductible, or qualifying for policy discounts.

Explore Kentucky auto insurance discounts for more savings

Amica offers various auto insurance discounts to help Kentucky policyholders save money on their premiums.1 Here are some ways you can save:

  • Discounts for family
    • Young driver training: We have discounts for drivers under 21 who complete an accredited driver training program.
    • Good student: Policies with full-time high school or college students, ages 16-25, with a “B” average or higher are eligible for our Good Student Discount.
  • Discounts for how you drive
    • Accident-free: Get an auto insurance discount when you’ve been claim-free for the past three years.
    • Defensive driver training: Individuals over 55 who’ve completed a defensive driving course, or members of the U.S. Armed Forces who have finished a driver training program within the military, may be eligible for a discount.
  • Discounts for your car’s systems
    • Forward-collision warning: We’ll reward you for keeping your car safe with forward-collision warning.
    • Adaptive headlights: If your car is equipped with adaptive headlights, you may be eligible for a discount.
  • Discounts for how you pay
    • AutoPay: Simplify your payment experience with AutoPay to earn even more savings.
    • Paperless: Get a discount when you sign up to receive policy documents and bills electronically.
    • Paid in full: Save money when you pay the entire balance of your Kentucky policy premium up front.

If you’re a Kentucky driver in need of both auto and home insurance coverage, it’s worth exploring options for bundling policies to maximize your savings. When you bundle auto and home insurance with Amica, you can save up to 20% with a multiline discount.1

Facts and figures about Kentucky

Fun facts about Kentucky:

  • While traveling through Kentucky, consider visiting these notable roadside attractions: the Kentucky Stonehenge in Munfordville, the "Fork in the Road" in Franklin, and the cow with glasses in Guthrie, among others.2 
  • Toyota Motor Manufacturing Kentucky is Toyota's largest vehicle manufacturing plant globally, with an annual production capacity of 550,000 vehicles and over 600,000 engines.2
  • One of the largest festivals in Kentucky is the World Chicken Festival, founded in 1990 to honor Colonel Harland Sanders, the founder of KFC. The festival features musical performances, carnival rides and fried chicken cooked in the world’s largest stainless-steel skillet.2

Facts about driving in Kentucky:

  • To renew their driver's license, Kentucky residents must complete a vision screening. This can be done for free at any Kentucky Transportation Cabinet (KYTC) Driver Licensing Regional Office, with their own vision specialist or a KYTC-credentialed medical provider before the renewal visit.3
  • All new applicants must successfully complete the required written, vision and skills tests administered by the Kentucky State Police before obtaining a permit or license.3
  • The Popup Driver Licensing Program is a traveling service that provides all the services available at Driver Licensing Regional Offices to local communities without a regional office.3

How to get car insurance in Kentucky

We’re here to guide you through the process of personalizing your car insurance in Kentucky. Here’s how to secure your policy in three easy steps:

  1. Assess your coverage needs: 

    An Amica representative can provide guidance and help you navigate your options to find the right coverage for your needs.

  2. Discover potential discounts:

    A representative can also assist you in exploring potential discounts or cost-saving measures available to Kentucky drivers based on your unique circumstances.

  3. Get a quote:

    Amica offers convenient options for getting a quote. You can either get a car insurance quote online or call 800-242-6422 today to speak with a representative.

With Amica, Kentucky drivers can hit the road with confidence, knowing they’re prepared for any situation that may arise.

Get an auto insurance quote

or call 833-513-3881

1 Discounts not available in all states and may vary.
2 88 Fun Facts About Kentucky: The Bluegrass State
3 Drive: An Official Website of the Commonwealth of Kentucky
  

Your Policy, Policy Declarations or Amended Declarations in effect on the date of loss is the primary source of reference for your coverage, coverage limits and deductible amounts.

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