The Best Kentucky (KY) Auto Insurance
Whether you’re headed out for a night on the town or spending the weekend exploring Mammoth Cave, you’ll want to feel secure as you travel the roadways of the Bluegrass State. You can trust in car insurance from the
AARP® Auto Insurance Program from The Hartford
1 because we’ve been protecting AARP members in Kentucky and their families since 1984.
Are you in the market for car insurance in KY? Learn more about buying KY auto insurance and request a
car insurance quote from the AARP Auto Insurance Program from The Hartford. We have the reputation for integrity and trust that experienced drivers in Kentucky look for, along with high customer ratings for claims services.
What Is the State Minimum Car Insurance in Kentucky?
To register and legally drive a car, you’ll need your Kentucky auto insurance to include minimum liability coverage. Kentucky state law requires liability car insurance at the following state minimum limits:2
Additional Kentucky Auto Insurance Coverages Available to Drivers
Just having the minimum coverages might still mean you have to pay out of pocket if you’re in an accident. For extra protection, Kentucky drivers may also be eligible for additional
car insurance coverages from the AARP Auto Insurance Program from The Hartford, including:
- Comprehensive insurance, which can help pay for damages to your car from non-collision claims like hail, theft, fire or hitting an animal.
- Roadside assistance for help with things like a dead battery, gas if you run out or a flat tire.
- Towing insurance to help get your car to a repair shop if you break down on the road.
- Uninsured motorist bodily injury (UMBI) so you’ll have help paying for medical bills if you’re in an accident with an uninsured driver.
How Much Is Car Insurance Per Month in Kentucky?
According to the Insurance Information Institute, the average cost of car insurance in Kentucky in 2019 was $936. This means that average drivers in Kentucky paid about $78 a month to their car insurance companies for auto insurance. Car insurance rates vary by state, but KY car insurance is less expensive than the average cost of car insurance in the country, which was $1,070 in 2019.5
Car Insurance Benefits Offered to Kentucky Drivers
- New Car Replacement§§
- Accident Forgiveness‡
- Disappearing Deductible‡
- 24/7 Claim Service
Proof of Car Insurance in Kentucky
Kentucky state law requires you to show a copy of your car insurance ID card when requested by a police officer or other party if involved in an accident. If you’re a licensed driver in the state of Kentucky, it’s smart to keep a copy of your car insurance ID card in your vehicle, along with your registration. Kentucky is also among several states that now accept electronic proof of car insurance, and with The
Hartford mobile app, you can store your car insurance ID cards right on your phone. For more information, visit the
Google Play™ or
App Store.™
Staying Safe on Kentucky Roads
As you travel through Kentucky, there are a number of safe driving laws meant to protect you on the Kentucky’s highways and byways. Here are just a few:6
Kentucky Seat Belt Laws:
It is a mandatory law to wear a seat belt while driving the roads of Kentucky.
Kentucky Distracted Driving Laws:
Texting while driving is banned for all drivers in the State of Kentucky.
Kentucky Teen Driver Laws:
Getting a driver’s license is a rite of passage for all teenagers and Kentucky wants to be sure they stay safe in the process. Kentucky has implemented graduated licensing laws to ensure that teenagers gain the experience and maturity that’s required to be safe behind the wheel. Graduated licensing laws limit nighttime driving, restrict teen passengers and ensure an adequate amount of supervised driving practice.
Get Auto Insurance Quotes in KY Today
To learn more about Kentucky auto insurance, call our customer service representatives at
888-413-8970. Or use The Hartford’s
car insurance quote tool for a quick and easy way to get your quote for car insurance in KY.
Last Updated: October 13, 2023
2 Ky.gov, “Mandatory Insurance”
3 Kentucky Department on Insurance, “No Fault Rejection/Verification (PIP)
4 Insurance Information Institute, “Facts + Statistics: Uninsured motorists”
5 Insurance Information Institute, “Facts + Statistics: Auto insurance”
6 Governors Highway Safety Association
