Insurance Agencies in Kentucky
Find trusted insurance agencies for car and home insurance in Kentucky. Compare quotes from 20+ carriers. Average auto rate: $2,139/year. Minimum auto coverage: 25/50/25 + PIP.
Kentucky is a choice no-fault state — drivers can choose between no-fault and traditional coverage.
Get Your Free Kentucky Quote$2,139
Avg. Auto Rate/Year
25/50/25 + PIP
Auto Minimum Coverage
20+
Carriers Compared
2 min
Quote Time
Kentucky Insurance FAQ
What insurance do I need in Kentucky?
Kentucky requires minimum auto liability coverage of 25/50/25 + PIP. For homeowners, coverage requirements depend on your mortgage lender, but most require dwelling and liability coverage. We recommend carrying higher limits than the minimum for better protection.
How much does car insurance cost in Kentucky?
The average cost of car insurance in Kentucky is $2,139 per year for full coverage. Your actual rate depends on your age, driving record, vehicle, location within Kentucky, and coverage levels.
How can I find affordable insurance in Kentucky?
Compare quotes from multiple carriers using Truvo — it's free and takes 2-3 minutes. Bundling car and home insurance often saves 10-25%. You can also save with a clean driving record, higher deductibles, and multi-policy discounts.
What factors affect insurance rates in Kentucky?
Key factors include your ZIP code within Kentucky, driving record, age, credit score, vehicle and home details, coverage level, and claims history. Kentucky is a choice no-fault state — drivers can choose between no-fault and traditional coverage.
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