Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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Reviewed by Jeffrey Johnson
Insurance Lawyer

UPDATED: Nov 5, 2021

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Kentucky Statistic Summary
Road Miles 79,727
Registered Vehicles 4,037,625
State Population 4,468,402
Percentage of
Uninsured Motorists
Driving Deaths Speeding: 1,420 Drunk Driving: 1,773
Average Premiums Annually
Liability: $529.21 Collision: $267.91 Comprehensive: $141.39
Cheapest Provider: USAA

Home to the longest-running horse race in the United States, one of the largest producers of bourbon in the world, the cheeseburger, Kentucky Fried Chicken, bluegrass country music, the Boy Scouts of America, and so much more, it’s no wonder Kentucky is one of the most-visited states in America.

Heralded as the “Bluegrass State,” Kentucky boasts large amounts of bluegrass found in most fields, pastures, and meadows. While the state’s green land is perfect for farming and agriculture, Kentucky is also home to the 30th largest city in the United States: Louisville.

Whether you’re a farmer transporting logs from one end of the state to another, or a white-collar worker commuting to Louisville, one thing is for sure: you’re going to need car insurance.

We know finding the right car insurance policy can be difficult and tedious at times, so that’s exactly why we wrote this guide to Kentucky car insurance.

In this guide, we will go over topics like rates, types of car insurance, rules and risks of the road, and can’t-miss car insurance facts. If you want to start comparing rates today, just enter your zip code in the box above to get started; keep reading to learn more about Kentucky car insurance.

What are Kentucky car insurance coverage and rates?

We know finding the best coverage and rate for your lifestyle can be tricky – but don’t worry! Our job is to get you the best rate possible. You have to be an insured driver in Kentucky, there’s no question about that.

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To help you start figuring out which rates best fit your budget, we want to show you specific coverage options from least expensive to most expensive. This will give you an idea of what you can afford. But remember, the more car insurance you have the better.

Before we get into costs, let’s first go over Kentucky’s car culture.

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What are Kentucky minimum coverage requirements?

Now that we know all drivers must have car insurance in Kentucky, let’s get into why drivers need and should have car insurance. Kentucky is a “choice no-fault” state, meaning that vehicle owners can “opt out” of the no-fault car insurance system and choose to sue (and potentially be sued) after a car accident.

In “at-fault” states, if you are the one who causes a car accident, you are the one responsible for covering all the costs of damages incurred from that accident. Essentially at-fault means, if you break it, you buy it. In no-fault states, usually if a driver is involved in an accident and did not cause the accident, he or she can still required to go to his insurance company and file a claim.

Nolo explains Kentucky’s complicated fault system like this, “In Kentucky, no-fault takes the form of ‘personal injury protection’ (PIP) benefits, which pay up to $10,000 for medical bills, lost wages and similar out of pocket costs resulting from the policyholder’s car accident injuries.

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After an accident, it’s not just the policyholder who is entitled to PIP benefits in Kentucky. Anyone who was driving or riding in the vehicle at the time of an accident is entitled to receive PIP benefits under the policy, and a pedestrian hit by the covered vehicle can also receive PIP benefits.”

No-fault states are a little scarier to drive in because if you get hit by a car and you’re not insured, you’re still held responsible to pay for the damages.

But what exactly is minimum liability coverage? Minimum liability is the smallest car insurance policy you can buy while still being considered a legally insured driver. It is often the cheapest policy as well.

The minimum liability insurance requirements in Kentucky are:

  • $25,000 for injuries to any one person, in a single accident you caused
  • $50,000 total, for all injuries resulting from a single accident you caused
  • $10,000 for property damage resulting from any accident you caused

These amounts may seem like a lot, but insurance money runs out quickly, which is exactly why many drivers have more than the minimum auto insurance coverage amount required by the state.

What are acceptable forms of financial responsibility?

What is a form of financial responsibility? A form of financial responsibility is a fancy name for proof of insurance or proof of financial security. When and if a law enforcement officer pulls you over, he will ask to see your proof of insurance. This is to make sure you are an insured driver.

Here are a few acceptable forms of proof of financial security in Kentucky:

  • Valid liability insurance ID cards
  • Copy of your current car’s insurance policy
  • Valid insurance binder (a temporary form of car insurance)
  • Electronic insurance ID card

If you can’t show proof of insurance, you may face jail time and have to pay a fine.

Here are four penalties you may face for breaking the law:

  1. Pay A Fine: On your first offense, you could face a fine of between $500 and $1,000. In subsequent offenses, you will be required to pay between $1,000 and $2,500.
  2. Go To Jail: The first time you are caught driving uninsured, you may face jail time of up to 90 days or a combination of jail time and a fine. If you commit future offenses, you can expect jail time of up to 180 days or a combination of a steeper fine and jail time.
  3. Lose Driving Privileges: Unless you can provide adequate proof of insurance in court, your registration will be suspended for one year the first time you are caught driving uninsured. On your second offense, your registration will again be suspended for a year. On your third offense and any thereafter, your registration will be revoked for two years.
  4. Meet Reinstatement Requirements: To reinstate your registration and get back on the road, you will need to pay a $40 fee (on top of court fees). You will also need to provide solid proof of a new insurance policy. If your license was suspended for more than one year, you will need to retake and pass a driving exam.

Don’t get caught driving without insurance. It’s literally cheaper (and safer) to drive with car insurance than it to drive without it.

How much are premiums as a percentage of income?

The point of this section is to show you what percentage of your income you might be paying towards your car insurance policy each year. Kentucky’s average income per capita in 2014 was $33,237.In 2013 it was $31,951. and in 2012 it was $32,202.

In 2014, Kentucky drivers paid an average of $917.49 per year for a car insurance policy. If the average income per year is $33,237, this means drivers are paying about 2.76% of their income on car insurance alone!

Kentucky’s car insurance is still cheaper than the national average of $981.77 per year. Tennessee drivers paid $855.56 in 2014 for one year of car insurance and Ohio drivers paid $766.66 for car insurance.

Kentucky rates are still higher than both of these surrounding states, however, the average disposable income in both Tennessee and Ohio is also higher than Kentucky’s average disposable income.

Coverage TypeAnnual Costs (2015)
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The data from the table above is pulled directly from the National Association of Insurance Commissioners. Because this data is from the year 2015, car insurance rates are most likely a little higher today.

The national average cost for car insurance is $981.77 per year. Kentucky’s average is a little lower at $917.49 per year.

We always recommend buying more car insurance than what is required; that’s why we included this next section on car insurance add-ons.

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Do you need additional liability limits coverage in Kentucky?

Loss Ratio201220132014
Medical Payments (MedPay)66.86%59.76%62.33%
Uninsured/Underinsured Motorist Coverage (UUM)76.31%72.27%71.27%
Personal Injury Protection77.17%74.87%75.04%
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Although none of the additional liability coverage options shown above are mandatory, it’s still recommended that every driver carry these types of insurance.

But why?

Because Kentucky is a no-fault state, each driver could be responsible to pay for their own damages resulting from an accident – even if a driver isn’t technically at fault for an accident. This is where uninsured and underinsured motorist insurance could come into play.

11.5 percent of all drivers in Kentucky are uninsured. This means Kentucky is ranked 26th in the U.S. for uninsured drivers.

An uninsured driver could go bankrupt while attempting to pay for damages incurred from an accident. If that uninsured driver owes you money after causing damage to your person or vehicle, you’re might never get it because that driver won’t have any money to pay you.

Why are loss ratio percentages important?

Loss ratio percentages are how we measure a companies financial strength. If a loss ratio is too low (under 50 percent), the insurance company might have overpriced their policies for the number of claims submitted.

On the other hand, if a company’s loss ratio is too high (over 100 percent), that company is losing money. This might be because they underestimated the number of claims that would come in, they underpriced their policies or even changes in the legal landscape.

Notice all of these loss ratios above are right in the middle of these numbers.

Just remember: when you’re looking for a new insurance provider, make sure the loss ratio percentage is somewhere between 50-100 percent.

What add-ons, endorsements, and riders are available?

More car insurance equals better car insurance. Take a look at the following car insurance policies. None of them are required, but good to have. Click on the links below to learn more.

Add on or add them all. The choice is up to you.

What are average monthly premiums for car insurance rates by age & gender in KY?

Did you know details like gender, marital status and age can play a role in deciding your car insurance rate? Take a look at the average rate for different demographics below.

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CompanyMarried 35-year old female annual rateMarried 35-year old male annual rateMarried 60-year old female annual rateMarried 60-year old male annual rateSingle 17-year old female annual rateSingle 17-year old male annual rateSingle 25-year old female annual rateSingle 25-year old male annual rate
Allstate P&C$4,071.95$4,017.67$3,708.46$3,948.99$15,246.63$17,008.49$4,461.82$4,687.35
Geico General$3,752.09$3,471.17$3,923.45$3,552.25$7,644.91$9,029.89$3,057.23$2,637.75
SAFECO Ins Co of IL$3,231.71$3,507.83$2,759.05$3,088.10$13,306.20$14,712.30$3,363.97$3,478.61
Nationwide Mutual$3,944.67$3,921.87$3,563.85$3,709.70$8,821.28$10,924.10$4,475.85$4,664.48
Progressive Direct$2,630.46$2,493.44$2,369.27$2,374.60$13,086.14$14,834.10$3,266.78$3,326.24
State Farm Mutual Auto$2,146.67$2,146.67$1,914.73$1,914.73$6,057.12$7,621.54$2,389.96$2,643.11
Travelers Home & Marine Ins Co$2,737.32$2,786.72$2,693.47$2,697.68$13,524.14$21,804.08$2,862.77$3,307.23
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Even though it shouldn’t be this way, males usually end up paying more for car insurance unless they are married.

Car insurance companies bet on the fact that experience comes with age. You’re more likely to get into an accident if you’re young because of the lack of driving experience. That being said, your car insurance rate will most likely decrease the older you get if you keep a clean driving record.

In addition to age, car insurance companies also look at things like your marital status, gender, and credit score when setting your rates. Married drivers typically pay less than single drivers because they are statistically less likely to file a claim. Rates for drivers with higher credit scores are cheaper than rates for those with bad credit for the same reason. Female drivers typically pay less than men for auto insurance.

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Where are the cheapest auto insurance rates by ZIP code?

Where you live can also affect your car insurance rate. Let’s take a look at the most expensive ZIP codes first.

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Most Expensive ZIP Codes in KentuckyCityAverage Annual Rate by ZIP CodeMost Expensive CompanyMost Expensive Annual Rate2nd Most Expensive Company2nd Most Expensive Annual RateCheapest CompanyCheapest Annual Rate2nd Cheapest Company2nd Cheapest Annual Rate
41542LOOKOUT$7,400.56Progressive$10,347.14Travelers$9,873.28USAA$3,593.27State Farm$4,000.25
40844HOSKINSTON$7,317.50Allstate$10,817.28Progressive$10,347.14USAA$3,187.20State Farm$4,278.19
41558RANSOM$7,283.52Travelers$10,158.57Allstate$9,326.13USAA$3,593.27State Farm$3,778.83
41524FEDSCREEK$7,275.01Travelers$9,873.28Allstate$9,326.23USAA$3,593.27State Farm$4,000.25
41535HUDDY$7,270.11Travelers$10,158.57Allstate$9,326.04USAA$3,593.27State Farm$4,000.25
41566STEELE$7,251.41Travelers$9,873.28Allstate$9,326.19USAA$3,593.27State Farm$3,765.99
41547MAJESTIC$7,246.34Travelers$9,743.96Allstate$9,326.26USAA$3,593.27State Farm$4,000.25
41528FREEBURN$7,245.89Travelers$9,873.28Allstate$9,326.13USAA$3,593.27State Farm$3,829.94
41567STONE$7,244.84Travelers$9,873.28Allstate$9,326.06USAA$3,593.27State Farm$3,757.47
41519CANADA$7,238.28Travelers$10,158.57Allstate$9,326.05USAA$3,593.27State Farm$3,736.89
41543MC ANDREWS$7,238.19Travelers$9,873.28Allstate$9,326.07USAA$3,593.27State Farm$3,757.47
41568STOPOVER$7,228.16Travelers$9,743.96Allstate$9,326.30USAA$3,593.27State Farm$3,846.58
41544MC CARR$7,221.30Travelers$9,743.96Allstate$9,326.09USAA$3,593.27State Farm$3,765.05
41553PHELPS$7,220.98Travelers$9,743.96Allstate$9,326.22USAA$3,593.27State Farm$3,781.73
41861RAVEN$7,198.39Travelers$10,158.57Allstate$9,326.25USAA$3,035.80State Farm$4,278.19
41810CROMONA$7,193.17Progressive$10,347.14Allstate$9,325.93USAA$3,237.61State Farm$4,000.25
41531HARDY$7,177.02Travelers$9,743.96Allstate$9,326.06USAA$3,593.27State Farm$3,757.47
41564SIDNEY$7,174.13Travelers$9,743.96Allstate$9,326.06USAA$3,593.27State Farm$4,000.25
41859DEMA$7,162.04Travelers$10,158.57Allstate$9,326.25USAA$3,035.80State Farm$4,278.19
41555PINSONFORK$7,127.30Travelers$10,158.57Allstate$9,326.13USAA$3,593.27State Farm$3,757.47
41214DEBORD$7,125.42Allstate$10,629.49Travelers$9,894.25USAA$3,367.20State Farm$4,000.25
41554PHYLLIS$7,117.76Travelers$10,158.57Allstate$9,326.11USAA$3,367.20State Farm$3,755.53
41862TOPMOST$7,107.14Travelers$10,158.57Allstate$9,326.21USAA$3,035.80State Farm$4,165.60
41650MELVIN$7,102.07Travelers$9,894.25Allstate$9,326.06USAA$3,035.80State Farm$4,000.25
41612BYPRO$7,098.25Travelers$9,873.28Allstate$9,326.22USAA$3,035.80State Farm$4,000.25
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Kentucky’s most expensive ZIP codes are spread out at numerous cities instead of clustered at one major city.

Cheapest ZIP Codes in Kentucky CityAverage Annual Rat by ZIP CodesMost Expensive CompanyMost Expensive Annual Rate2nd Most Expensive Company2nd Most Expensive Annual RateCheapest CompanyCheapest Annual Rate2nd Cheapest Company2nd Cheapest Annual Rate
42303OWENSBORO$3,562.72Allstate$4,894.74Liberty Mutual$4,267.76State Farm$2,328.08USAA$2,405.40
42301OWENSBORO$3,571.06Allstate$4,962.27Liberty Mutual$4,267.76State Farm$2,304.98USAA$2,622.36
41042FLORENCE$3,667.47Allstate$5,169.31Liberty Mutual$4,671.32State Farm$2,432.31USAA$2,437.41
42104BOWLING GREEN$3,669.25Allstate$5,090.36GEICO$4,157.73State Farm$2,243.85USAA$2,488.47
42101BOWLING GREEN$3,691.47Allstate$5,132.74GEICO$4,157.73State Farm$2,271.88USAA$2,488.47
42103BOWLING GREEN$3,701.92Allstate$4,955.63GEICO$4,157.73State Farm$2,265.74USAA$2,718.29
41075FORT THOMAS$3,704.38Allstate$5,266.80Liberty Mutual$4,662.19State Farm$2,325.07USAA$2,408.90
41017FT MITCHELL$3,708.93Allstate$5,213.30Liberty Mutual$4,705.18State Farm$2,596.52USAA$2,625.00
41073BELLEVUE$3,717.46Allstate$5,324.49Liberty Mutual$4,792.75State Farm$2,406.29USAA$2,408.90
41076NEWPORT$3,732.13Allstate$5,285.03Liberty Mutual$5,060.59State Farm$2,311.51USAA$2,488.60
42274ROCKFIELD$3,743.65Allstate$5,090.36Travelers$4,214.74State Farm$2,281.94USAA$2,554.68
41051INDEPENDENCE$3,746.40Allstate$5,205.18Liberty Mutual$4,479.45State Farm$2,507.44USAA$2,625.00
41005BURLINGTON$3,753.37Allstate$5,257.11Liberty Mutual$4,679.08USAA$2,253.31State Farm$2,422.85
41018ERLANGER$3,759.98Allstate$5,195.10Liberty Mutual$4,679.05State Farm$2,456.10USAA$2,457.16
42376UTICA$3,763.32Allstate$5,362.88Liberty Mutual$4,739.30State Farm$2,365.74USAA$2,615.92
41071NEWPORT$3,770.88Allstate$5,267.71Liberty Mutual$4,805.39State Farm$2,385.68USAA$2,683.35
41048HEBRON$3,772.81Allstate$5,374.44Liberty Mutual$4,408.36USAA$2,437.41State Farm$2,526.28
42355MACEO$3,773.20Allstate$5,078.68Travelers$4,790.72State Farm$2,448.24USAA$2,615.92
42122ALVATON$3,780.86Allstate$5,090.46Travelers$4,710.39State Farm$2,331.38USAA$2,385.58
41074DAYTON$3,782.52Allstate$5,580.14Liberty Mutual$4,674.83USAA$2,408.90State Farm$2,416.64
41085SILVER GROVE$3,788.09Allstate$5,285.03Liberty Mutual$5,060.59State Farm$2,325.00USAA$2,488.60
41080PETERSBURG$3,789.43Allstate$5,285.00Liberty Mutual$4,679.08USAA$2,253.31State Farm$2,602.70
41015LATONIA$3,796.57Allstate$5,250.89Liberty Mutual$5,060.59USAA$2,378.38State Farm$2,568.22
41091UNION$3,805.01Allstate$5,179.68Liberty Mutual$4,637.12USAA$2,331.94State Farm$2,394.69
41001ALEXANDRIA$3,816.37Allstate$5,303.71Liberty Mutual$4,580.14State Farm$2,427.24USAA$2,548.39
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What are the cheapest rates by city in Kentucky?

Find your city on the lists below.

Most Expensive Cities in KentuckyAverage Annual Rate by CityMost Expensive CompanyMost Expensive Annual Rate2nd Most Expensive Company2nd Most Expensive Annual RateCheapest CompanyCheapest Annual Rate2nd Cheapest Company2nd Cheapest Annual Rate
Lookout$7,400.56Progressive$10,347.14Travelers$9,873.28USAA$3,593.27State Farm$4,000.25
Hoskinston$7,317.50Allstate$10,817.28Progressive$10,347.14USAA$3,187.20State Farm$4,278.19
Ransom$7,283.52Travelers$10,158.57Allstate$9,326.13USAA$3,593.27State Farm$3,778.83
Fedscreek$7,275.01Travelers$9,873.28Allstate$9,326.23USAA$3,593.27State Farm$4,000.25
Huddy$7,270.10Travelers$10,158.57Allstate$9,326.04USAA$3,593.27State Farm$4,000.25
Steele$7,251.41Travelers$9,873.28Allstate$9,326.19USAA$3,593.27State Farm$3,765.99
Majestic$7,246.33Travelers$9,743.96Allstate$9,326.26USAA$3,593.27State Farm$4,000.25
Freeburn$7,245.89Travelers$9,873.28Allstate$9,326.13USAA$3,593.27State Farm$3,829.94
Stone$7,244.84Travelers$9,873.28Allstate$9,326.06USAA$3,593.27State Farm$3,757.47
Canada$7,238.28Travelers$10,158.57Allstate$9,326.05USAA$3,593.27State Farm$3,736.89
Mc Andrews$7,238.19Travelers$9,873.28Allstate$9,326.07USAA$3,593.27State Farm$3,757.47
Stopover$7,228.16Travelers$9,743.96Allstate$9,326.30USAA$3,593.27State Farm$3,846.58
Mc Carr$7,221.29Travelers$9,743.96Allstate$9,326.09USAA$3,593.27State Farm$3,765.05
Phelps$7,220.98Travelers$9,743.96Allstate$9,326.22USAA$3,593.27State Farm$3,781.73
Raven$7,198.39Travelers$10,158.57Allstate$9,326.25USAA$3,035.80State Farm$4,278.19
Cromona$7,193.17Progressive$10,347.14Allstate$9,325.93USAA$3,237.61State Farm$4,000.25
Hardy$7,177.02Travelers$9,743.96Allstate$9,326.06USAA$3,593.27State Farm$3,757.47
Sidney$7,174.13Travelers$9,743.96Allstate$9,326.06USAA$3,593.27State Farm$4,000.25
Dema$7,162.04Travelers$10,158.57Allstate$9,326.25USAA$3,035.80State Farm$4,278.19
Pinsonfork$7,127.30Travelers$10,158.57Allstate$9,326.13USAA$3,593.27State Farm$3,757.47
Debord$7,125.42Allstate$10,629.49Travelers$9,894.25USAA$3,367.20State Farm$4,000.25
Phyllis$7,117.75Travelers$10,158.57Allstate$9,326.11USAA$3,367.20State Farm$3,755.53
Topmost$7,107.14Travelers$10,158.57Allstate$9,326.21USAA$3,035.80State Farm$4,165.60
Melvin$7,102.07Travelers$9,894.25Allstate$9,326.06USAA$3,035.80State Farm$4,000.25
Bypro$7,098.25Travelers$9,873.28Allstate$9,326.22USAA$3,035.80State Farm$4,000.25
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Lookout, Hoskinton, and Ransom have the most expensive car insurance rates in Kentucky.

Cheapest Cities in Kentucky Average Annual Rate by CityMost Expensive CompanyMost Expensive Annual Rate2nd Most Expensive Company2nd Most Expensive Annual RateCheapest CompanyCheapest Annual Rate2nd Cheapest Company2nd Cheapest Annual Rate
Owensboro$3,566.89Allstate$4,928.51Liberty Mutual$4,267.76State Farm$2,316.53USAA$2,513.88
Bowling Green$3,687.55Allstate$5,059.58GEICO$4,157.73State Farm$2,260.49USAA$2,565.07
Fort Thomas$3,704.38Allstate$5,266.80Liberty Mutual$4,662.19State Farm$2,325.07USAA$2,408.90
Bellevue$3,717.46Allstate$5,324.49Liberty Mutual$4,792.75State Farm$2,406.29USAA$2,408.90
Cold Spring$3,732.13Allstate$5,285.03Liberty Mutual$5,060.59State Farm$2,311.51USAA$2,488.60
Florence$3,736.24Allstate$5,174.49Liberty Mutual$4,654.22USAA$2,384.68State Farm$2,413.50
Rockfield$3,743.65Allstate$5,090.36Travelers$4,214.74State Farm$2,281.94USAA$2,554.68
Independence$3,746.40Allstate$5,205.18Liberty Mutual$4,479.45State Farm$2,507.44USAA$2,625.00
Burlington$3,753.36Allstate$5,257.11Liberty Mutual$4,679.08USAA$2,253.31State Farm$2,422.85
Edgewood$3,759.97Allstate$5,195.10Liberty Mutual$4,679.05State Farm$2,456.10USAA$2,457.16
Masonville$3,763.32Allstate$5,362.88Liberty Mutual$4,739.30State Farm$2,365.74USAA$2,615.92
Francisville$3,772.80Allstate$5,374.44Liberty Mutual$4,408.36USAA$2,437.41State Farm$2,526.28
Maceo$3,773.20Allstate$5,078.68Travelers$4,790.72State Farm$2,448.24USAA$2,615.92
Alvaton$3,780.86Allstate$5,090.46Travelers$4,710.39State Farm$2,331.38USAA$2,385.58
Dayton$3,782.52Allstate$5,580.14Liberty Mutual$4,674.83USAA$2,408.90State Farm$2,416.64
Silver Grove$3,788.09Allstate$5,285.03Liberty Mutual$5,060.59State Farm$2,325.00USAA$2,488.60
Petersburg$3,789.43Allstate$5,285.00Liberty Mutual$4,679.08USAA$2,253.31State Farm$2,602.70
Latonia$3,796.57Allstate$5,250.89Liberty Mutual$5,060.59USAA$2,378.38State Farm$2,568.22
Alexandria$3,816.37Allstate$5,303.71Liberty Mutual$4,580.14State Farm$2,427.24USAA$2,548.39
Philpot$3,822.12Allstate$5,078.67Travelers$4,803.34State Farm$2,416.84USAA$2,615.92
California$3,833.22Allstate$5,412.69Liberty Mutual$4,580.14USAA$2,488.60State Farm$2,531.38
Covington$3,835.76Allstate$5,266.92Liberty Mutual$4,956.19State Farm$2,620.38USAA$2,668.77
Morning View$3,846.10Allstate$5,315.24Liberty Mutual$4,394.89USAA$2,548.39State Farm$2,660.18
Melbourne$3,846.51Allstate$5,292.02Liberty Mutual$4,580.14State Farm$2,427.24USAA$2,488.60
Henderson$3,848.00Allstate$5,203.22Liberty Mutual$4,619.14USAA$2,532.95State Farm$2,983.25
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Owensboro has the cheapest car insurance rate.

Which are the best Kentucky car insurance companies?

With literally hundreds of car insurance providers to choose from, it can be difficult to pick just one to keep you and your family safe when tragedy strikes. No one wants to spend their free time searching high and low for what makes a car insurance company a good one.

But that’s just it: you don’t have to do any of this because we’ve done all the work for you. In this section, we will cover AM Best Ratings, company complaints, financial ratings and more. After reading this section, you should have an idea of which company you want protecting you and your vehicle.

The Largest Companies Financial Rating

CompanyAM RatingDirect Premiums WrittenLoss RatioMarket Share
State Farm GroupA++$714,96465.70%23.59%
Kentucky Farm Bureau GroupA$566,60375.94%18.70%
Progressive GroupA+$240,00058.90%7.92%
Liberty Mutual GroupA$206,82259.60%6.82%
Allstate Insurance GroupA+$190,42250.09%6.28%
USAA GroupA++$152,25976.42%5.02%
Nationwide Corp GroupA+$88,33157.90%2.91%
Shelter Insurance GroupA$57,75363.96%1.91%
State Auto Mutual GroupA-$56,05672.38%1.85%
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The companies listed in the table above are some of the highest-rated insurance companies in the U.S. Notice that every AM rating is ranked as an “A” or higher. Loss ratios are also something to pay attention to. None of the companies have poor loss ratios: the percentages all fall somewhere between 50-100 percent.

Companies with Best Ratings

We’ve talked about financial ratings, but another thing to look for in a solid company is a customer service rating. In 2018, J.D. Power ranked companies for customer satisfaction.

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This study was called the 2018 U.S. Auto Insurance Study and it ranked companies based on five key areas: interaction; policy offerings; price; billing process and policy information; and claims.

J.D. Power Customer Service Ranking for Kentucky

Aside from USAA (a company that only serves military members and their families), Farm Bureau Insurance of Tennessee was ranked as the number one insurance company in Alabama, Georgia, Kentucky, Louisiana, Mississippi, North Carolina, South Carolina, and Tennessee.

Top 10 Largest Companies with Most Complaints in Kentucky

Everyone complains. It’s just a fact of life. Even the best companies get some of the worst complaints. How a company deals with a complaint can make all the difference in the world.

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CompanyNational Median
Complaint Ratio
Company Complaint
Ratio 2017
Total Complaints
State Farm Group10.441482
Kentucky Farm Bureau Group10.021
Progressive Group10.75120
Liberty Mutual Group15.95222
Allstate Insurance Group10.5163
USAA Group002
Nationwide Corp Group10.2825
Shelter Insurance Group10.6147
State Auto Mutual Group11.7423
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Overall satisfaction is always important, but don’t be discouraged by these numbers because they are still extremely low.

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Which are the cheapest companies in Kentucky?

Below is a list highlighting some of the cheapest car insurance companies in Kentucky.

CompanyAverage Annual RateCompared to State AveragePercentage Compared to State Average
Allstate P&C$7,143.92$2,119.8929.67%
Geico General$4,633.59-$390.44-8.43%
SAFECO Ins Co of IL$5,930.97$906.9415.29%
Nationwide Mutual$5,503.23$479.208.71%
Progressive Direct$5,547.63$523.609.44%
State Farm Mutual Auto$3,354.32-$1,669.71-49.78%
Travelers Home & Marine Ins Co$6,551.68$1,527.6523.32%
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State Farm, USAA, and Geico have some of the cheapest rates out there.

What are commute rates by companies?

How far you drive day in and day out can affect your car insurance rate.

Take a look at these 6 major factors affecting auto insurance rates in Kentucky.

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Group10 miles commute, 6000 annual mileage25 miles commute, 12000 annual mileage
Liberty Mutual$5,930.97$5,930.97
State Farm$3,270.85$3,437.78
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What are coverage level rates by companies?

Sometimes your insurance provider will give you a break on the cost of your insurance policy if you have a bigger insurance policy. Confused? Read the prices in the table below to find out more.

GroupLow CoverageMedium CoverageHigh Coverage
Liberty Mutual$5,605.20$5,887.57$6,300.15
State Farm$3,152.33$3,347.83$3,562.79
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According to this table, having better coverage might only cost you a couple hundred more dollars a year; this investment could save you thousands in the long run.

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What are credit history rates by companies?

Credit history is important for many financial reasons, but you can bet your bottom dollar that your credit score plays a major role when figuring out your car insurance rate.

GroupPoor Credit HistoryFair Credit HistoryGood Credit History
Liberty Mutual$8,498.13$5,201.15$4,093.63
State Farm$4,832.88$2,933.18$2,296.89
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As you can see, the difference in rate between a good credit score and a poor one is a few thousand dollars a year.

According to Experian, Kentucky’s average credit score is 663. America’s average credit score is 675.

If you keep your credit score in good standing, your rates are more likely to stay lower. Be aware that it can take years to recover from poor credit, and poor credit affects many things in life.

What are driving record rates by companies?

The biggest factor to consider when it comes to estimating your car insurance rate is your driving record. Driving records are the first thing a car insurance company looks at. Sometimes, they might even choose to deny a person looking for insurance because the person’s driving record is so bad.

GroupClean recordWith 1 speeding violationWith 1 accidentWith 1 DUI
Liberty Mutual$4,937.70$5,254.67$7,618.06$5,913.45
State Farm$3,079.02$3,354.32$3,629.62$3,354.32
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If you have Geico Insurance Agency and you get a DUI, your rate will almost triple in price. Don’t drink and drive, it’s the law.

Keep a clean driving record, and you have nothing to worry about.

Number of Insurers in Kentucky

How many licensed insurance companies are there in Kentucky?

DomesticForeignTotal Number of Licensed Insurers
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What’s the difference between foreign and domestic insurance?

Domestic Insurer – an insurance company admitted by and formed under the laws under the state in which insurance is written

Foreign Insurer – an insurance provider which was formed under the laws of any other state in the union

What Kentucky state laws do you need to know?

You could live in the same state for a hundred years and still not know every state law ever written. But just because you don’t know the laws, doesn’t mean you shouldn’t learn them.

In this next section, we will discuss important (and confusing) driving laws. Knowing these laws could prevent you from having to pay fines, face penalties, and could help you avoid an accident.

To learn more about Kentucky state driving laws, car seat laws, seat belt laws, high-risk auto insurance, DUI laws, texting laws and more, keep scrolling down the page.

Did you ever wonder how car insurance laws are formed?

According to the NAIC, State laws have a considerable influence on auto insurance. Each state determines the type of tort law and threshold (if any) that applies in the state, the type and amount of liability insurance required, and the system used for approval of insurer rates and forms.

In addition, the states have enacted varying auto seat belt requirements, drunk driving laws, and maximum speed limits.

The states employ a variety of rate regulation mechanisms. Options include: 1) determined by Commissioner; 2) prior approval; 3) modified prior approval; 4) flex rating; 5) file and use; 6) use and file; and 7) no file.

Form filing laws govern the type of policy form regulation used by the state. Options include prior approval; file and use; use and file; and no file.

The state of Kentucky uses a few different methods. One method is called use and file.

Use and File: Rates/forms must be filed with the state insurance department within a specified period after they have been placed in use.

Another method is called prior approval.

Prior Approval: Rates/forms must be filed with and approved by the state insurance department before they can be used. Approval can be by means of a deemer provision, which indicates approval if rates/forms are not denied within a specified number of days.

Windshield Coverage

Good news for Kentucky drivers: the state law waves the deductible for auto glass repairs. Below are a couple more laws explaining windshield coverage and repairs.

  • Aftermarket and used parts allowed to fix the windshield, but the consumer may refuse but pays the difference in the quote
  • The consumer has the right to choose a repair vendor but may have to pay the difference in the quote

High-Risk Insurance

According to the DMV, SR-22 (or high-risk insurance) is a type of coverage drivers add to their existing insurance policy, usually after they are convicted of breaking a driving law.

Many states require the form of drivers whom the state considers habitual offenders. For example, motorists with multiple DUI convictions or drivers with excessive moving violations.

Drivers might be required to get SR-22 insurance if they have been convicted of any of the following offenses:

  • DUI convictions
  • Driving without insurance
  • Driving with a suspended license
  • Leaving the scene of an accident

However, in the state of Kentucky, there are no SR-22 requirements as the Legislature has a mandatory insurance requirement that applies to all drivers. While requirements for SR-22 does not exist, drivers who move to another state should be aware of the SR-22 requirements for that state.

Low Income Insurance Program

Unfortunately, there isn’t a government-assisted car insurance program for families with low income. These programs only exist in Hawaii, California, and New Jersey. But don’t be discouraged!

Are you looking for more ways to save?

Ask your provider if you are eligible for any of the following insurance discounts:

  • Homeowners discount
  • Good driver discount
  • Military discount
  • Student discount
  • Multi-car discount

Even if you don’t qualify for these discounts, there are always ways to save on your car insurance policy.

Automobile Insurance Fraud in Kentucky

According to the IIHS, fraud may be committed by different parties involved in insurance transactions: applicants for insurance, policyholders, third-party claimants and professionals who provide services and equipment to claimants.

Common frauds include “padding,” or inflating actual claims; misrepresenting facts on an insurance application; submitting claims for injuries or damage that never occurred, services never rendered or equipment never delivered; and “staging” accidents.

The IIHS also says that the Insurance Research Council reported that “Auto insurance fraud and claim buildup added between $4.9 billion and $6.8 billion to closed auto injury claim payments in 2007.”

Are you worried about accidentally breaking the law and committing insurance fraud? Don’t fluff your claims and don’t stage an accident.

Statute of Limitations

The statute of limitations law is a common law that states a victim only has so much time to pursue charges against a defendant. In the context of car insurance, this law means that the victim (person involved in a car accident) only has a limited amount of time to file a claim with his or her insurance company.

This law protects both the victim and the insurance company at the same time.

Victims are legally allowed to file claims within these time limits:

  • Personal injury: one year
  • Property damage: two years

Be aware that you have one (or two years) from the day you got into an accident to file a claim with your insurance company.

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What are the vehicle licensing laws?

Have you ever heard of a REAL ID?

Starting in 2020, Kentucky drivers need to have a REAL ID to travel on an airplane – even if it’s just on a domestic flight. You will not be able to get past airport security without one.

Penalties for Driving Without Insurance

It is against the law to drive without car insurance in the state of Kentucky – but what are the penalties for breaking this law?

Here are four penalties you may face for breaking the law:

  1. Pay A Fine: On your first offense, you will face a fine of between $500 and $1,000. In subsequent offenses, you will be required to pay between $1,000 and $2,500.
  2. o To Jail: The first time you are caught driving uninsured, you may face jail time of up to 90 days or a combination of jail time and a fine. If you commit future offenses, you can expect jail time of up to 180 days or a combination of a steeper fine and jail time.
  3. Lose Driving Privileges: Unless you can provide adequate proof of insurance in court, your registration will be suspended for one year the first time you are caught driving uninsured. On your second offense, your registration will again be suspended for a year. On your third offense and any thereafter, your registration will be revoked for two years.
  4. Meet Reinstatement Requirements: To reinstate your registration and get back on the road, you will need to pay a $40 fee (on top of court fees). You will also need to provide solid proof of a new insurance policy. If your license was suspended for more than one year, you will need to retake and pass a driving exam.

Anytime you are pulled over, a police officer will ask to see proof of insurance, license, and registration.

Remember, you must have minimum liability insurance at the very least to be a legal driver on the road.

Acceptable forms of proof of insurance are:

  • Valid liability insurance ID cards
  • Copy of your current car’s insurance policy
  • Valid insurance binder (a temporary form of car insurance)
  • Picture of proof of insurance on your smartphone

If you drive without insurance, you are risking thousands of dollars, jail time, and your license.

Teen Driver Laws

Teaching your child to drive can be a terrifying act. In Kentucky, teenagers must be at least 16 years old to start a driver’s education class. Below are some laws regarding teen driving.

Teenage Driving LawsDetails
Mandatory Holding Period6 months
Minimum Supervised Driving Time60 hours, 10 of which must be at night
Minimum Age16 years old
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Teenage drivers must have a restricted license before receiving a graduated license.

Restricted License LawsDetails
Nighttime restrictionsmidnight-6 a.m.
Passenger restrictions (family members excepted unless noted otherwise)no more than 1 passenger younger than 20 unless supervised by a driving instructor secondary enforcement
Minimum age at which restrictions may be lifted
Nighttime restrictions6 months or age 18, whichever occurs first (min. age: 17)
Passenger restrictions6 months or age 18, whichever occurs first (min. age: 17)
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Driver License Renewal Procedures

Every driver young or old must renew their license in Kentucky every eight years. Proof of adequate vision is not required at the time of license renewal, and you may not renew your license online or through the mail.

New Kentucky Residents

Moving to Kentucky?

Kentucky law states that a person who brings a motor vehicle into the Commonwealth of Kentucky shall make an application for registration within fifteen (15) days in the county in which the person resides.

When you move, make sure you let your insurance company know so they can adjust your rates and plan because almost every state has different car insurance laws.

Remember that minimum liability insurance requirements in Kentucky are:

  • $25,000.00 for all claims for bodily injury damages sustained by any one person
  • $50,000.00 for all bodily injury damages sustained by all persons as a result of any one accident
  • $25,000.00 for all property damage as a result of any one accident

Alternatively, a policy with a single limit of $60,000.00 is acceptable. In addition, the policy must provide basic reparations benefits, unless the insured vehicle is a motorcycle.

Negligent Operator Treatment System (NOTS)

The Kentucky Point System identifies persons that may be habitually negligent (or reckless) drivers. Motorists convicted of reckless driving in Kentucky face $20 to $100 in fines. For a third reckless driving conviction within a 12-month period, the motorist’s license will be revoked for six months.

A reckless driving conviction will also add four points to the motorist’s driving record. Accumulating 12 or more points within a two-year period can lead to license suspension.

Failure to appear for the hearing results in a driving suspension for a period of six months for the first such accumulation of 12 points, one year for the second such accumulation of 12 points, and two years for any subsequent accumulation of 12 points within the two year period.

What are the rules of the road?

If you are unaware of the rules of the road, you are more susceptible to getting into a car accident or violating the law. Both of these events can add points to your driving record, which in turn can cause your insurance rate to increase.

Keep reading as we cover speed limit laws, seat belt and car seat laws, safety laws, and more.

Fault vs No-Fault

As previously stated, Kentucky is a no-fault state. All persons involved in the same accident must file a claim with their own insurance companies.

If you have a minimum liability policy, your claim money can drain very quickly. It’s always smart to have more insurance than required.

Seat Belt and Car Seat Laws

Most vehicle accidents are the leading cause of injury and death among children of all ages in the U.S. Kentucky wants its drivers and children to be safe while on the road — that’s why there are strict seat belt and car seat laws.

Seat Belt LawsDetails
Effective SinceJuly 15, 1994
Primary Enforcementyes; effective 07/20/06
Age/Seats Applicable7 and younger and more than 57 inches in all seats; 8+ in all seats
1st Offense Max Fine$25 plus fees
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If you break any of these seat belt laws, you will be charged with paying a $25 fine plus fees. Keep reading for information regarding car seat laws.

Type of Car Seat RequiredAge
Child Restraint40 inches or less in a child restraint
Child Booster Seat7 and younger who are between 40 and 57 inches tall in a booster seat
Adult Belt Permissibletaller than 57 inches
Preference for rear seatlaw states no preference for rear seat
Maximum base fine 1st offense$50 child restraint; $30 booster seat
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Keep your child safe while riding in a moving vehicle. These laws are set in place to make sure children are in the correct car seat at all times.

There are no state laws against riding in the cargo area of a pickup truck, however, the state of Kentucky still believes it is unsafe to do so.

Keep Right and Move Over Laws

Have you ever heard of keep right or move over laws? When someone is going very slow on the road while driving, what should you do?

In the state of Kentucky, it is illegal to drive in the left lane, except for when you are passing someone or turning left. You are to keep right except to pass if there are at least four lanes or a speed limit of 65mph (effective June 26, 2007).

The state law of Kentucky also requires drivers approaching a stationary emergency vehicle displaying flashing lights, including towing and recovery vehicles, traveling in the same direction, to vacate the lane closest if safe and possible to do so, or slow to a speed safe for the road, weather, and traffic conditions.

Speed Limit Laws

Listed below are Kentucky speed limit laws. Always pay attention to speed limit signs when driving so you are not susceptible to getting a ticket.

Type of RoadwaySpeed Limit
Rural Interstates65 mph; 70 mph on specified segments of road
Urban Interstates65 mph
Other Limited Access Roads65 mph
Other Roads55 mph
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Please be aware that these are the maximum speed limits allowed on Kentucky roads.


Have you ever heard of ridesharing services like Uber or Lyft? If you are employed or are thinking about being employed by a ridesharing company, you must have ridesharing insurance.

The four companies listed below have ridesharing insurance policies:

  • Allstate
  • Erie Insurance
  • State Farm
  • USAA

Keep in mind that some insurance companies can refuse to insure you as a driver if you work in the ridesharing industry.

Automation on the Road

What is automation on the road?

The IIHS defines automation as a vehicle that involves using radar, camera, and other sensors to perform parts or all of the driving tasks on a sustained basis instead of the driver. One example is adaptive cruise control, which continually adjusts the vehicle’s speed to maintain a set minimum following distance.

Features such as automatic braking, which acts as a back-up if the human driver fails to brake, or blind-spot detection, which provides additional information to the driver, aren’t considered automation under this definition.

Currently, Kentucky does not have any laws about automation while on the road. But that might change in the coming years.

What are the safety laws?

Safety laws are one of the most important types of laws to know and understand while driving. Not knowing safety laws could threaten your life and the longevity of your vehicle.

In this next section, we want to go over DUI laws, distracted driving laws, impaired driving laws, and more. To keep your perfect driving record and accident-free vehicle, read below for more info on these important safety laws.

DUI Laws

In 2017, there were 181 alcohol-impaired traffic fatalities in Kentucky. This number is shockingly high, which is exactly why there are strict laws against drinking and driving.

Name for OffenseDriving under the influence (DUI)
BAC Limit0.08
High BAC Limit0.15
Criminal Status1st class B misdemeanor, 2nd-3rd within 5 years class A misdemeanors, 4th+ class D felony
Look Back Period10 years
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The penalties for drinking and driving are listed in the table below.

Number of OffenseALS or RevocationImprisonmentFineOther
1st Offense30-120 days2-30 days$200-$50090 days of alcohol or substance abuse program; possible 48 hours-30 days of community labor
2nd Offense12-18 month suspension7 days-6 months$350-$5001 year alcohol or substance abuse treatment; 10 days-6 months community labor
3rd Offense24-36 months30 days-12 months$500-$10001 year alcohol or substance abuse treatment; 10 days-12 months community labor
4th Offense60 month suspension120 day w/o probation min1 year alcohol or substance abuse treatment
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Please don’t drink and drive – if you do, you risk your own life and someone else’s.

Marijuana Impaired Driving Laws

There aren’t any marijuana-specific impaired driving laws right now in Kentucky, but this doesn’t mean you can’t be pulled over for what is called impaired driving.

Drug-impaired driving can be worse than drinking and driving.

If you are convicted of impaired driving, you could end up paying fees and facing jail time.

Distracted Driving Laws

A few seconds is all it takes to cause an accident, especially when you’re looking down at your phone or texting and driving. Below are Kentucky’s laws about cellphone use while driving on the road.

Hand-held banYoung drivers all cellphone banTexting banEnforcement
nodrivers younger than 18all driversprimary
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Studies have shown that the effects of texting and driving can be worse than drinking and driving. That text isn’t worth your life or someone else’s. Don’t be distracted on the phone while driving.

How bad is vehicle theft in Kentucky?

So far, we’ve covered insurance laws, safety laws, distracted driving laws, and more. Now it’s time to discuss the risks and dangers of Kentucky’s beautiful, scenic roads.

Risks on the road are a huge factor when it comes to figuring out your car insurance rate. In this section, we want to talk about vehicle theft, fatality rates, traffic congestion, and more.

Don’t go away, find out the vehicle theft rate in your city up next.

Did you know some types of vehicles are more stolen than others?

Make/ModelYear of VehicleNumber of Thefts
Chevrolet Pickup (Full Size)1998250
Ford Pickup (Full Size)2001241
Toyota Camry1999178
Chevrolet Impala2005118
Toyota Corolla2014110
Honda Accord1997108
Ford Explorer200099
Ford Taurus200294
Dodge Pickup (Full Size)200193
Chevrolet Pickup (Small Size)200079
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The “year of vehicle” category listed above is the most popular year of the model listed that was stolen the most. According to this list, trucks are the most-stolen vehicle.

Some areas are worse than others for vehicle theft. Below is a list pulled directly from the FBI. This list shows where vehicle theft occurs the most.

Audubon Park11
Beaver Dam6
Bowling Green158
Calvert City1
Cave City5
Central City2
Clay City0
Coal Run Village0
Cold Spring8
Crab Orchard0
Dawson Springs6
Dry Ridge3
Elkhorn City0
Fort Mitchell4
Fort Thomas8
Fort Wright4
Fountain Run0
Heritage Creek0
Highland Heights1
Horse Cave0
Hurstbourne Acres0
Indian Hills6
Junction City0
La Center0
La Grange13
Lakeside Park-Crestview Hills6
Lebanon Junction0
Louisville Metro4,364
Meadow Vale0
Mortons Gap0
Mount Olivet0
Mount Sterling18
Mount Vernon5
Mount Washington19
New Haven0
Oak Grove24
Olive Hill0
Park Hills4
Pewee Valley0
Pioneer Village6
Pippa Passes0
Russell Springs4
Science Hill0
Silver Grove0
Smiths Grove0
South Shore0
Stamping Ground0
St. Matthews65
Strathmoor Village0
Taylor Mill2
Villa Hills2
Vine Grove4
West Buechel14
West Liberty1
West Point0
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Some of these cities have a total of zero theft. That’s not a typo – that’s the truth.

Do a lot of road fatalities occur in Kentucky?

Why do road fatalities happen? What circumstances cause them to happen? Does it have anything to do with the weather, the type of road, EMS response time? All this is covered next.

Fatal Crashes by Weather Condition and Light Condition

Did the weather play a significant role in the traffic fatality rate?

Weather ConditionDaylightDark, but LightedDarkDawn or DuskOther / UnknownTotal
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According to this table above, most of these fatalities happened during the day when there were normal weather conditions. Some occurred at night, but we think it’s safe to say the weather didn’t really have an effect on fatality rates.

Fatalities (All Crashes) by County

Below is a list showing the number of fatalities per county in Kentucky.

Per 100k
Adair County3667615.731.1831.0936.1230.79
Allen County6255729.539.7624.224.1233.44
Anderson County04365018.3313.7227.122.18
Ballard County4326248.4636.6324.3474.4724.88
Barren County119119925.6320.9225.2620.5520.55
Bath County3163225.058.2449.224.4516.16
Bell County73781124.9610.7825.5729.4240.9
Boone County951514197.233.9611.7410.8414.53
Bourbon County2486710.0420.0239.8129.9134.95
Boyd County465468.1812.2910.318.312.51
Boyle County274686.7623.5213.4620.0726.73
Bracken County1261111.8923.9672.4811.9812.1
Breathitt County51228636.9789.8114.9760.6646.35
Breckinridge County7744734.9335.2120.0320.0534.81
Bullitt County7111212109.114.0915.2515.1512.46
Butler County3564423.6439.2947.1631.4931.17
Caldwell County3366323.2923.3547.0747.5523.74
Calloway County9967523.4823.4215.5318.0512.85
Campbell County57815105.497.648.716.310.81
Carlisle County2311240.360.4120.5820.7641.27
Carroll County3365327.7828.0256.3247.1728
Carter County4572914.518.1725.517.3433.16
Casey County6452537.4925.3631.7712.6931.75
Christian County1078121113.589.5510.9416.7315.62
Clark County4757811.2519.6514.0219.522.19
Clay County6697228.3128.4442.8833.849.82
Clinton County132229.8329.4219.6519.5719.46
Crittenden County2431421.7943.632.7210.9144.03
Cumberland County1310314.7144.5714.82044.74
Daviess County88152098.148.1315.120.038.97
Edmonson County132128.325.0116.698.2916.36
Elliott County0001200013.3226.59
Estill County8211255.2513.856.966.9714.01
Fayette County18282750355.839.018.5715.6710.87
Fleming County6013141.2406.8520.686.92
Floyd County1171581128.5918.4239.9721.6430.33
Franklin County32110106.074.03219.919.81
Fulton County1310215.6647.8715.95032.3
Gallatin County4223646.7723.2223.2834.3768.37
Garrard County2163111.765.8934.8517.245.71
Grant County253338.1520.1512.1312.0412.01
Graves County88810921.4321.3221.5326.9224.25
Grayson County671091123.1226.8638.2734.4341.73
Green County7351362.7527.245.589.0927.11
Greenup County373278.2219.298.345.5919.71
Hancock County02023023.03022.8934.09
Hardin County201622161618.3714.7620.7114.9714.81
Harlan County41137114.0439.2610.9125.913.74
Harrison County5411426.9821.495.375.3821.3
Hart County2658310.8332.4327.1743.1815.99
Henderson County453928.6310.786.4719.464.35
Henry County2458112.9725.7432.1250.466.25
Hickman County1300121.2464.140022.12
Hopkins County5101213410.7721.6626.0528.448.78
Jackson County3423722.3930.051522.4352.12
Jefferson County8878859910711.6110.2511.1212.913.88
Jessamine County68117311.9815.7321.2413.45.62
Johnson County3372312.7912.930.258.7513.28
Kenton County59179173.075.5110.365.4710.28
Knott County5303131.1118.84019.346.54
Knox County7594522.1215.8628.6612.7716.01
Larue County134837.1321.2528.3257.0121.12
Laurel County13108111821.816.7113.3618.3429.91
Lawrence County6113637.736.296.318.9338.17
Lee County1411114.5358.8514.8415.1615.22
Leslie County2052418.2046.9719.1638.71
Letcher County4443416.9917.1217.3513.1917.91
Lewis County4245329.2514.5529.4437.1122.49
Lincoln County2392108.1812.2736.958.2140.89
Livingston County2242221.4321.4343.0321.721.58
Logan County10341437.0811.1914.963.7514.78
Lyon County3044535.49048.1349.4961.87
Madison County121019101013.9711.4921.5511.1710.96
Magoffin County4454530.930.8139.1331.5639.88
Marion County5364625.1315.7531.2620.930.94
Marshall County6141651119.2345.1951.5415.9935.05
Martin County0111107.998.138.378.73
Mason County8502446.1629.18011.6623.29
Mccracken County7415151110.716.1223.0922.9616.82
Mccreary County4436722.3122.3216.7934.1840.08
Mclean County1012210.58010.6421.4121.74
Meade County66771020.5220.6225.2324.9935.52
Menifee County01134015.8815.7146.5461.97
Mercer County154554.723.4218.7223.3723.23
Metcalfe County4624040.2360.1120.1939.960
Monroe County00111009.429.459.38
Montgomery County2210457.347.3136.2714.4617.9
Morgan County4012129.9207.5415.117.58
Muhlenberg County62261219.156.396.419.3138.94
Nelson County8515131417.9611.1533.2628.5630.67
Nicholas County1432314.2756.7542.528.3242.08
Ohio County5439420.8616.7112.4937.216.54
Oldham County591357.9414.081.554.597.53
Owen County4323437.6228.1818.6528.1337.16
Owsley County1223021.7344.444.9766.740
Pendleton County112236.876.9113.8213.7220.59
Perry County119514739.2832.6418.2851.5426.36
Pike County202114161231.3233.3622.6526.4720.38
Powell County3559224.0440.4540.8673.216.16
Pulaski County7111416910.9817.2321.9324.9913.96
Robertson County0000000000
Rockcastle County4353923.8817.8329.5317.7853.9
Rowan County5337720.6612.3812.1928.6928.55
Russell County3826216.9545.0711.3333.7611.25
Scott County121299524.0123.4317.2716.859.11
Shelby County67812413.5315.5517.4925.768.44
Simpson County2467311.3122.5333.5738.9216.57
Spencer County0132505.6416.6810.9727.02
Taylor County126633.987.8823.4423.5911.78
Todd County126418.0316.1248.3132.368.17
Trigg County4133627.967.0721.0920.9641.54
Trimble County1514111.3457.2411.4446.3711.68
Union County00193006.6860.8420.45
Warren County181713232615.114.0510.5118.220.18
Washington County04444033.6333.3132.9832.99
Wayne County2312909.6314.5658.2343.370
Webster County3333422.4722.7422.7922.7730.73
Whitley County791013719.5125.1127.7136.0119.33
Wolfe County2246327.4727.5855.2283.1641.3
Woodford County5535219.7719.5811.6319.167.58
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Traffic Fatalities Rural vs Urban

Did more fatalities occur in rural areas or urban areas?

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Usually, more fatalities happen in rural areas than in urban areas. This is most likely caused by the fact that there are more emergency service locations in cities than there are in rural areas.

Fatalities by Person Type

What kinds of vehicles cause the most fatalities?

 Person Type20132014201520162017
OccupantsPassenger Car269278314353326
Light Truck - Pickup92115120116126
Light Truck - Utility8484998890
Light Truck - Van2021253232
Large Truck10991610
Other/Unknown Occupants1517242315
Total Occupants490524591628600
Light Truck - Other00001
MotorcyclistsTotal Motorcyclists87869111190
Bicyclist and Other Cyclist34797
Other/Unknown Nonoccupants31552
Total Nonoccupants6162799592
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Fatalities by Crash Type

Did the specific crash type have anything to do with the fatality rate?

Crash Type20132014201520162017
Total Fatalities (All Crashes)638672761834782
(1) Single Vehicle355395400451413
(2) Involving a Large Truck78688110089
(3) Involving Speeding125125140138138
(4) Involving a Rollover157200229216203
(5) Involving a Roadway Departure410456499529472
(6) Involving an Intersection (or Intersection Related)116119122152179
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Five-Year Fatality Trend For The Top 10 Counties in Kentucky

Up next is the five-year fatality trend for the top ten counties in Kentucky.

Jefferson County88788599107
Fayette County1828275035
Warren County1817132326
Boone County95151419
Laurel County131081118
Kenton County5917917
Hardin County2016221616
Nelson County85151314
Muhlenberg County622612
Pike County2021141612
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Fatalities Involving Speeding by County

Speeding is another major cause of traffic fatalities.

Per 100K
Adair County121025.2310.395.18010.26
Allen County101204.9204.849.650
Anderson County0000000000
Ballard County00001000012.44
Barren County6110213.982.322.304.57
Bath County002000016.400
Bell County100033.5700011.15
Boone County433433.212.382.353.12.29
Bourbon County125215.0210.0124.889.974.99
Boyd County00300006.1800
Boyle County0220106.726.7303.34
Bracken County001000012.0800
Breathitt County02011014.9707.587.72
Breckinridge County03100015.095.0100
Bullitt County0332303.843.812.523.74
Butler County0100107.86007.79
Caldwell County00101007.8407.91
Calloway County5202113.055.2105.162.57
Campbell County101601.101.096.520
Carlisle County1000120.1500020.64
Carroll County0100009.34000
Carter County0131203.6310.933.677.37
Casey County100016.250006.35
Christian County643408.155.464.15.580
Clark County000120002.795.55
Clay County122104.729.489.534.830
Clinton County110019.839.81009.73
Crittenden County01010010.9010.910
Cumberland County00001000014.91
Daviess County0124401.
Edmonson County00002000016.36
Elliott County0000000000
Estill County0000000000
Fayette County3731180.972.250.953.452.48
Fleming County000100006.890
Floyd County311057.82.632.66013.79
Franklin County100022.020003.96
Fulton County03000047.87000
Gallatin County00002000022.79
Garrard County0000000000
Grant County00100004.0400
Graves County225205.365.3313.455.380
Grayson County110113.853.8403.833.79
Green County100008.960000
Greenup County0301008.2702.790
Hancock County01010011.51011.450
Hardin County355122.764.614.710.941.85
Harlan County000100003.70
Harrison County110105.45.3705.380
Hart County102305.42010.8716.190
Henderson County111102.
Henry County2110012.976.436.4200
Hickman County01000021.38000
Hopkins County114312.152.178.686.562.2
Jackson County100017.460007.45
Jefferson County18211321282.372.761.72.743.63
Jessamine County100212003.831.87
Johnson County101004.2604.3200
Kenton County124000.611.232.4400
Knott County0000000000
Knox County113103.163.179.553.190
Larue County100007.130000
Laurel County331235.035.011.673.334.99
Lawrence County110006.296.29000
Lee County0000000000
Leslie County0000100009.68
Letcher County000100004.40
Lewis County102317.31014.7222.267.5
Lincoln County00003000012.27
Livingston County1012010.72010.7621.70
Logan County5100018.543.73000
Lyon County001120012.0312.3724.75
Madison County213322.331.153.43.352.19
Magoffin County0111207.77.837.8915.95
Marion County00111005.215.225.16
Marshall County0211106.463.223.23.19
Martin County0000000000
Mason County2001111.54005.835.82
Mccracken County0252203.
Mccreary County112005.585.5811.1900
Mclean County0002100021.4110.87
Meade County124113.426.8714.413.573.55
Menifee County0000000000
Mercer County100104.7004.670
Metcalfe County1000010.060000
Monroe County0000000000
Montgomery County00101003.6303.58
Morgan County100007.480000
Muhlenberg County100203.19006.440
Nelson County305346.73011.096.598.76
Nicholas County0001100014.1614.03
Ohio County120104.178.3504.130
Oldham County130001.594.69000
Owen County0102209.39018.7618.58
Owsley County01000022.2000
Pendleton County100006.870000
Perry County0114203.633.6614.727.53
Pike County8342212.534.776.473.313.4
Powell County0111008.098.178.130
Pulaski County301214.7101.573.121.55
Robertson County0000000000
Rockcastle County00112005.915.9311.98
Rowan County111114.
Russell County111005.655.635.6600
Scott County1420127.813.8401.82
Shelby County200014.510002.11
Simpson County101105.6505.595.560
Spencer County000110005.485.4
Taylor County0120203.947.8107.85
Todd County002000016.100
Trigg County00102007.03013.85
Trimble County00001000011.68
Union County0003000020.280
Warren County320432.521.6503.172.33
Washington County0110108.418.3308.25
Wayne County006200029.129.640
Webster County02000015.16000
Whitley County215245.572.7913.855.5411.05
Wolfe County1011013.73013.813.860
Woodford County122003.957.837.7500
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Fatalities in Crashes Involving an Alcohol-Impaired Driver (BAC = .08+) by County

Drinking and driving took the lives of 181 people in 2017 in Kentucky. Below are the number of fatal crashes involving alcohol-impaired drivers by county.

Per 100K
Adair County000130005.1615.4
Allen County212329.844.889.6814.479.55
Anderson County0101004.5804.520
Ballard County02000024.42000
Barren County322116.994.654.592.282.28
Bath County002110016.48.158.08
Bell County213127.133.5910.963.687.44
Boone County211531.610.790.783.872.29
Bourbon County0101205.0104.999.99
Boyd County100022.040004.17
Boyle County0110203.363.3706.68
Bracken County01200011.9824.1600
Breathitt County04011029.9407.587.72
Breckinridge County03100015.095.0100
Bullitt County213342.61.283.813.794.98
Butler County03010023.5707.870
Caldwell County100007.760000
Calloway County0303107.8107.742.57
Campbell County104341.104.353.264.32
Carlisle County1200020.1540.27000
Carroll County101009.2609.3900
Carter County113123.623.6310.933.677.37
Casey County2122212.56.3412.7112.6912.7
Christian County122521.362.732.746.972.84
Clark County0120102.815.6102.77
Clay County214019.444.7419.0604.91
Clinton County110009.839.81000
Crittenden County01100010.910.9100
Cumberland County1110014.7114.8614.8200
Daviess County0304503.0504.014.98
Edmonson County100018.30008.18
Elliott County00001000013.29
Estill County0110106.936.9607
Fayette County612813121.943.862.544.073.73
Fleming County100316.870020.686.92
Floyd County51321132.637.995.412.76
Franklin County0100402.01007.92
Fulton County01101015.9615.95016.15
Gallatin County002100023.2811.460
Garrard County002000011.6200
Grant County0110004.034.0400
Graves County234525.36810.7613.465.39
Grayson County114223.853.8415.317.657.59
Green County2010117.9309.1209.04
Greenup County0210105.512.7802.82
Hancock County01000011.51000
Hardin County545114.593.694.710.940.93
Harlan County101103.5103.643.70
Harrison County2200010.7910.75000
Hart County2025010.83010.8726.990
Henderson County102002.1604.3100
Henry County0102106.43012.626.25
Hickman County0000000000
Hopkins County330026.466.5004.39
Jackson County0101207.5107.4814.89
Jefferson County26232720263.433.023.532.613.37
Jessamine County202303.9903.865.740
Johnson County110004.264.3000
Kenton County166170.613.683.660.614.23
Knott County0102106.28012.896.54
Knox County112103.163.176.373.190
Larue County100017.130007.04
Laurel County312175.031.673.341.6711.63
Lawrence County2100112.586.29006.36
Lee County02000029.42000
Leslie County0000000000
Letcher County210028.494.28008.95
Lewis County3023021.94014.7222.260
Lincoln County103024.09012.3208.18
Livingston County1032010.72032.2821.70
Logan County110003.713.73000
Lyon County1020211.83024.07024.75
Madison County216422.331.156.814.472.19
Magoffin County120117.7315.4107.897.98
Marion County101205.0305.2110.450
Marshall County0301109.6803.23.19
Martin County00101008.1308.73
Mason County110015.775.84005.82
Mccracken County0120001.533.0800
Mccreary County02113011.165.65.717.18
Mclean County001010010.64010.87
Meade County224436.846.8714.4114.2810.66
Menifee County0003000046.540
Mercer County0110204.684.6809.29
Metcalfe County01010010.0209.990
Monroe County00100009.4200
Montgomery County0120003.657.2500
Morgan County100017.480007.58
Muhlenberg County220116.386.3903.223.25
Nelson County5152111.222.2311.094.392.19
Nicholas County03100042.5714.1700
Ohio County210118.354.1804.134.14
Oldham County420106.353.1301.530
Owen County111129.49.399.329.3818.58
Owsley County1012021.73022.4944.490
Pendleton County00002000013.72
Perry County113613.573.6310.9722.093.77
Pike County7262310.963.189.713.315.09
Powell County2011016.0308.178.130
Pulaski County323334.713.134.74.694.65
Robertson County0000000000
Rockcastle County100015.970005.99
Rowan County110234.134.1308.212.24
Russell County0111205.635.665.6311.25
Scott County4422087.813.843.740
Shelby County211414.512.222.198.592.11
Simpson County0110205.635.59011.04
Spencer County00101005.5605.4
Taylor County0110003.943.9100
Todd County002010016.108.17
Trigg County100126.99006.9913.85
Trimble County01001011.450011.68
Union County0004100027.046.82
Warren County792445.877.441.623.173.1
Washington County0121108.4116.668.248.25
Wayne County00110004.854.820
Webster County122007.4915.1615.200
Whitley County323528.365.588.3113.855.52
Wolfe County1012013.73013.827.720
Woodford County201107.9103.883.830
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Teen Drinking and Driving

Teenage driving can be a scary thing sometimes, but when you mix that inexperienced teenager with some alcohol and put him behind the wheel, bad circumstances are sure to happen.

Kentucky is ranked 31st in the U.S. for under-18 DUI arrests. Even though Kentucky has a higher arrest rate, the DUI fatality rate in children under 18 is lower than the national average.

DUI Arrest (Under 18 years old)DUI Arrests (Under 18 years old) Total Per Million PeopleRank
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In 26 states and Washington D.C., under-21 alcohol-impaired driving fatalities per 100,000 population were at or below the national average of 1.2 deaths per 100,000 population. Kentucky’s rate is 0.9 teenage alcohol-related deaths per 100,000 population.

EMS Response Time

Arriving just seconds too late or too early can sometimes literally mean the difference between life and death. After you’ve been in a life-threatening accident, all you want to know is how soon will help arrive.

Below is a table of average response times based on rural accident sites and urban accident sites.

AreaTime of Crash to EMS NotificationEMS Notification to EMS ArrivalEMS Arrival at Scene to Hospital ArrivalTime of Crash to Hospital ArrivalTotal Fatal Crashes
Rural5 mins12.29 mins38.76 mins51.62 mins465
Urban3.12 mins6.52 mins29.21 mins38.27 mins255
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Usually, response times are faster in the city than they are in rural areas just because there are more EMS services in cities than there are in less populated areas.

What is transportation like?

Have you ever wondered how many cars are owned by each family in Kentucky?

Car Ownership

The following chart brought to you by Data USA displays the households in Kentucky distributed between a series of car ownership buckets compared to the national averages for each bucket. The largest share of households in Kentucky has two cars, followed by three.

The orange bars show Kentucky’s average while the gray bars display America’s average.

Kentucky's Car Ownership

Commute Time

Using averages, employees in Kentucky have a shorter commute time (22.4 minutes) than the normal US worker (25.5 minutes). Additionally, 1.9 percent of the workforce in Kentucky have “super commutes” in excess of 90 minutes.

The chart below shows how the median household income in Kentucky compares to that of it’s neighboring and parent geographies.

Kentucky's Commute Time

Commuter Transportation

In 2017, the most common method of travel for workers in Kentucky was to drive alone.

Kentucky's Commuter Transportation

Traffic Congestion in Kentucky

According to Inrix, two of the most traffic-congested cities in the world are in Kentucky: Lexington and Louisville.

City2018 World RankHours Lost in CongestionCost of Congestion (Per Driver)
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Lexington is the 148th most traffic-congested city in the world.

What is Kentucky’s car culture?

According to The Hartford, Kentucky is the third-largest market for automobile manufacturing behind Michigan and Ohio – so cars aren’t used for just transportation in Kentucky, they’re used as a form of entertainment.

Nearly 500 automotive manufacturing firms and sites around the state produce parts and vehicles for use around the world. Toyota recently announced a record $1.3 billion investment to upgrade its assembly plant in Georgetown which is the company’s largest facility in the world and employs 8,200 people.

NASCAR also has a strong following in Kentucky with high-speed action at the Kentucky Speedway in Sparta. The track features grandstands that seat up to 100,000 fans, and it has hosted both the IndyCar Series and numerous national NASCAR touring series.

No matter where you are in Kentucky, there are a number of scenic byways that take drivers through the state’s rich natural and cultural history.

Now that you’ve read this complete guide to Kentucky car insurance, it’s time to start shopping for a car insurance policy. To begin, use our free tool by entering your zip code in the box below.

Happy shopping.


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