Kentucky Car Insurance Guide
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UPDATED: Oct 9, 2020
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Uninsured Motorists 11.50
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.
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.
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.
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.
Kentucky Minimum Coverage
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.
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 insurance than the minimum amount required.
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:
- 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.
- 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.
- 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.
- 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.
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 Type | Annual Costs (2015) |
---|---|
Liability | $529.21 |
Collision | $267.91 |
Comprehensive | $141.39 |
Combined | $938.51 |
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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.
Additional Liability Coverage in Kentucky
Loss Ratio | 2012 | 2013 | 2014 |
---|---|---|---|
Medical Payments (MedPay) | 66.86% | 59.76% | 62.33% |
Uninsured/Underinsured Motorist Coverage (UUM) | 76.31% | 72.27% | 71.27% |
Personal Injury Protection | 77.17% | 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.
Add-ons, Endorsements, and Riders
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.
- Guaranteed Auto Protection (GAP)
- Personal Umbrella Policy (PUP)
- Rental Reimbursement
- Emergency Roadside Assistance
- Mechanical Breakdown Insurance
- Non-Owner Car Insurance
- Modified Car Insurance Coverage
- Classic Car Insurance
- Pay-As-You-Drive or Usage-Based Insurance
Add on or add them all. The choice is up to you.
Average Monthly 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?
Company | Married 35-year old female annual rate | Married 35-year old male annual rate | Married 60-year old female annual rate | Married 60-year old male annual rate | Single 17-year old female annual rate | Single 17-year old male annual rate | Single 25-year old female annual rate | Single 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 |
USAA | $1,936.64 | $1,940.60 | $1,749.37 | $1,779.35 | $5,187.97 | $5,460.08 | $2,447.73 | $2,681.40 |
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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 record.
Cheapest 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.
Most Expensive ZIP Codes in Kentucky | City | Average Annual Rate by ZIP Code | Most Expensive Company | Most Expensive Annual Rate | 2nd Most Expensive Company | 2nd Most Expensive Annual Rate | Cheapest Company | Cheapest Annual Rate | 2nd Cheapest Company | 2nd Cheapest Annual Rate |
---|---|---|---|---|---|---|---|---|---|---|
41542 | LOOKOUT | $7,400.56 | Progressive | $10,347.14 | Travelers | $9,873.28 | USAA | $3,593.27 | State Farm | $4,000.25 |
40844 | HOSKINSTON | $7,317.50 | Allstate | $10,817.28 | Progressive | $10,347.14 | USAA | $3,187.20 | State Farm | $4,278.19 |
41558 | RANSOM | $7,283.52 | Travelers | $10,158.57 | Allstate | $9,326.13 | USAA | $3,593.27 | State Farm | $3,778.83 |
41524 | FEDSCREEK | $7,275.01 | Travelers | $9,873.28 | Allstate | $9,326.23 | USAA | $3,593.27 | State Farm | $4,000.25 |
41535 | HUDDY | $7,270.11 | Travelers | $10,158.57 | Allstate | $9,326.04 | USAA | $3,593.27 | State Farm | $4,000.25 |
41566 | STEELE | $7,251.41 | Travelers | $9,873.28 | Allstate | $9,326.19 | USAA | $3,593.27 | State Farm | $3,765.99 |
41547 | MAJESTIC | $7,246.34 | Travelers | $9,743.96 | Allstate | $9,326.26 | USAA | $3,593.27 | State Farm | $4,000.25 |
41528 | FREEBURN | $7,245.89 | Travelers | $9,873.28 | Allstate | $9,326.13 | USAA | $3,593.27 | State Farm | $3,829.94 |
41567 | STONE | $7,244.84 | Travelers | $9,873.28 | Allstate | $9,326.06 | USAA | $3,593.27 | State Farm | $3,757.47 |
41519 | CANADA | $7,238.28 | Travelers | $10,158.57 | Allstate | $9,326.05 | USAA | $3,593.27 | State Farm | $3,736.89 |
41543 | MC ANDREWS | $7,238.19 | Travelers | $9,873.28 | Allstate | $9,326.07 | USAA | $3,593.27 | State Farm | $3,757.47 |
41568 | STOPOVER | $7,228.16 | Travelers | $9,743.96 | Allstate | $9,326.30 | USAA | $3,593.27 | State Farm | $3,846.58 |
41544 | MC CARR | $7,221.30 | Travelers | $9,743.96 | Allstate | $9,326.09 | USAA | $3,593.27 | State Farm | $3,765.05 |
41553 | PHELPS | $7,220.98 | Travelers | $9,743.96 | Allstate | $9,326.22 | USAA | $3,593.27 | State Farm | $3,781.73 |
41861 | RAVEN | $7,198.39 | Travelers | $10,158.57 | Allstate | $9,326.25 | USAA | $3,035.80 | State Farm | $4,278.19 |
41810 | CROMONA | $7,193.17 | Progressive | $10,347.14 | Allstate | $9,325.93 | USAA | $3,237.61 | State Farm | $4,000.25 |
41531 | HARDY | $7,177.02 | Travelers | $9,743.96 | Allstate | $9,326.06 | USAA | $3,593.27 | State Farm | $3,757.47 |
41564 | SIDNEY | $7,174.13 | Travelers | $9,743.96 | Allstate | $9,326.06 | USAA | $3,593.27 | State Farm | $4,000.25 |
41859 | DEMA | $7,162.04 | Travelers | $10,158.57 | Allstate | $9,326.25 | USAA | $3,035.80 | State Farm | $4,278.19 |
41555 | PINSONFORK | $7,127.30 | Travelers | $10,158.57 | Allstate | $9,326.13 | USAA | $3,593.27 | State Farm | $3,757.47 |
41214 | DEBORD | $7,125.42 | Allstate | $10,629.49 | Travelers | $9,894.25 | USAA | $3,367.20 | State Farm | $4,000.25 |
41554 | PHYLLIS | $7,117.76 | Travelers | $10,158.57 | Allstate | $9,326.11 | USAA | $3,367.20 | State Farm | $3,755.53 |
41862 | TOPMOST | $7,107.14 | Travelers | $10,158.57 | Allstate | $9,326.21 | USAA | $3,035.80 | State Farm | $4,165.60 |
41650 | MELVIN | $7,102.07 | Travelers | $9,894.25 | Allstate | $9,326.06 | USAA | $3,035.80 | State Farm | $4,000.25 |
41612 | BYPRO | $7,098.25 | Travelers | $9,873.28 | Allstate | $9,326.22 | USAA | $3,035.80 | State 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 | City | Average Annual Rat by ZIP Codes | Most Expensive Company | Most Expensive Annual Rate | 2nd Most Expensive Company | 2nd Most Expensive Annual Rate | Cheapest Company | Cheapest Annual Rate | 2nd Cheapest Company | 2nd Cheapest Annual Rate |
---|---|---|---|---|---|---|---|---|---|---|
42303 | OWENSBORO | $3,562.72 | Allstate | $4,894.74 | Liberty Mutual | $4,267.76 | State Farm | $2,328.08 | USAA | $2,405.40 |
42301 | OWENSBORO | $3,571.06 | Allstate | $4,962.27 | Liberty Mutual | $4,267.76 | State Farm | $2,304.98 | USAA | $2,622.36 |
41042 | FLORENCE | $3,667.47 | Allstate | $5,169.31 | Liberty Mutual | $4,671.32 | State Farm | $2,432.31 | USAA | $2,437.41 |
42104 | BOWLING GREEN | $3,669.25 | Allstate | $5,090.36 | GEICO | $4,157.73 | State Farm | $2,243.85 | USAA | $2,488.47 |
42101 | BOWLING GREEN | $3,691.47 | Allstate | $5,132.74 | GEICO | $4,157.73 | State Farm | $2,271.88 | USAA | $2,488.47 |
42103 | BOWLING GREEN | $3,701.92 | Allstate | $4,955.63 | GEICO | $4,157.73 | State Farm | $2,265.74 | USAA | $2,718.29 |
41075 | FORT THOMAS | $3,704.38 | Allstate | $5,266.80 | Liberty Mutual | $4,662.19 | State Farm | $2,325.07 | USAA | $2,408.90 |
41017 | FT MITCHELL | $3,708.93 | Allstate | $5,213.30 | Liberty Mutual | $4,705.18 | State Farm | $2,596.52 | USAA | $2,625.00 |
41073 | BELLEVUE | $3,717.46 | Allstate | $5,324.49 | Liberty Mutual | $4,792.75 | State Farm | $2,406.29 | USAA | $2,408.90 |
41076 | NEWPORT | $3,732.13 | Allstate | $5,285.03 | Liberty Mutual | $5,060.59 | State Farm | $2,311.51 | USAA | $2,488.60 |
42274 | ROCKFIELD | $3,743.65 | Allstate | $5,090.36 | Travelers | $4,214.74 | State Farm | $2,281.94 | USAA | $2,554.68 |
41051 | INDEPENDENCE | $3,746.40 | Allstate | $5,205.18 | Liberty Mutual | $4,479.45 | State Farm | $2,507.44 | USAA | $2,625.00 |
41005 | BURLINGTON | $3,753.37 | Allstate | $5,257.11 | Liberty Mutual | $4,679.08 | USAA | $2,253.31 | State Farm | $2,422.85 |
41018 | ERLANGER | $3,759.98 | Allstate | $5,195.10 | Liberty Mutual | $4,679.05 | State Farm | $2,456.10 | USAA | $2,457.16 |
42376 | UTICA | $3,763.32 | Allstate | $5,362.88 | Liberty Mutual | $4,739.30 | State Farm | $2,365.74 | USAA | $2,615.92 |
41071 | NEWPORT | $3,770.88 | Allstate | $5,267.71 | Liberty Mutual | $4,805.39 | State Farm | $2,385.68 | USAA | $2,683.35 |
41048 | HEBRON | $3,772.81 | Allstate | $5,374.44 | Liberty Mutual | $4,408.36 | USAA | $2,437.41 | State Farm | $2,526.28 |
42355 | MACEO | $3,773.20 | Allstate | $5,078.68 | Travelers | $4,790.72 | State Farm | $2,448.24 | USAA | $2,615.92 |
42122 | ALVATON | $3,780.86 | Allstate | $5,090.46 | Travelers | $4,710.39 | State Farm | $2,331.38 | USAA | $2,385.58 |
41074 | DAYTON | $3,782.52 | Allstate | $5,580.14 | Liberty Mutual | $4,674.83 | USAA | $2,408.90 | State Farm | $2,416.64 |
41085 | SILVER GROVE | $3,788.09 | Allstate | $5,285.03 | Liberty Mutual | $5,060.59 | State Farm | $2,325.00 | USAA | $2,488.60 |
41080 | PETERSBURG | $3,789.43 | Allstate | $5,285.00 | Liberty Mutual | $4,679.08 | USAA | $2,253.31 | State Farm | $2,602.70 |
41015 | LATONIA | $3,796.57 | Allstate | $5,250.89 | Liberty Mutual | $5,060.59 | USAA | $2,378.38 | State Farm | $2,568.22 |
41091 | UNION | $3,805.01 | Allstate | $5,179.68 | Liberty Mutual | $4,637.12 | USAA | $2,331.94 | State Farm | $2,394.69 |
41001 | ALEXANDRIA | $3,816.37 | Allstate | $5,303.71 | Liberty Mutual | $4,580.14 | State Farm | $2,427.24 | USAA | $2,548.39 |
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Cheapest Rates by Cities in Kentucky
Find your city on the lists below.
Most Expensive Cities in Kentucky | Average Annual Rate by City | Most Expensive Company | Most Expensive Annual Rate | 2nd Most Expensive Company | 2nd Most Expensive Annual Rate | Cheapest Company | Cheapest Annual Rate | 2nd Cheapest Company | 2nd Cheapest Annual Rate |
---|---|---|---|---|---|---|---|---|---|
Lookout | $7,400.56 | Progressive | $10,347.14 | Travelers | $9,873.28 | USAA | $3,593.27 | State Farm | $4,000.25 |
Hoskinston | $7,317.50 | Allstate | $10,817.28 | Progressive | $10,347.14 | USAA | $3,187.20 | State Farm | $4,278.19 |
Ransom | $7,283.52 | Travelers | $10,158.57 | Allstate | $9,326.13 | USAA | $3,593.27 | State Farm | $3,778.83 |
Fedscreek | $7,275.01 | Travelers | $9,873.28 | Allstate | $9,326.23 | USAA | $3,593.27 | State Farm | $4,000.25 |
Huddy | $7,270.10 | Travelers | $10,158.57 | Allstate | $9,326.04 | USAA | $3,593.27 | State Farm | $4,000.25 |
Steele | $7,251.41 | Travelers | $9,873.28 | Allstate | $9,326.19 | USAA | $3,593.27 | State Farm | $3,765.99 |
Majestic | $7,246.33 | Travelers | $9,743.96 | Allstate | $9,326.26 | USAA | $3,593.27 | State Farm | $4,000.25 |
Freeburn | $7,245.89 | Travelers | $9,873.28 | Allstate | $9,326.13 | USAA | $3,593.27 | State Farm | $3,829.94 |
Stone | $7,244.84 | Travelers | $9,873.28 | Allstate | $9,326.06 | USAA | $3,593.27 | State Farm | $3,757.47 |
Canada | $7,238.28 | Travelers | $10,158.57 | Allstate | $9,326.05 | USAA | $3,593.27 | State Farm | $3,736.89 |
Mc Andrews | $7,238.19 | Travelers | $9,873.28 | Allstate | $9,326.07 | USAA | $3,593.27 | State Farm | $3,757.47 |
Stopover | $7,228.16 | Travelers | $9,743.96 | Allstate | $9,326.30 | USAA | $3,593.27 | State Farm | $3,846.58 |
Mc Carr | $7,221.29 | Travelers | $9,743.96 | Allstate | $9,326.09 | USAA | $3,593.27 | State Farm | $3,765.05 |
Phelps | $7,220.98 | Travelers | $9,743.96 | Allstate | $9,326.22 | USAA | $3,593.27 | State Farm | $3,781.73 |
Raven | $7,198.39 | Travelers | $10,158.57 | Allstate | $9,326.25 | USAA | $3,035.80 | State Farm | $4,278.19 |
Cromona | $7,193.17 | Progressive | $10,347.14 | Allstate | $9,325.93 | USAA | $3,237.61 | State Farm | $4,000.25 |
Hardy | $7,177.02 | Travelers | $9,743.96 | Allstate | $9,326.06 | USAA | $3,593.27 | State Farm | $3,757.47 |
Sidney | $7,174.13 | Travelers | $9,743.96 | Allstate | $9,326.06 | USAA | $3,593.27 | State Farm | $4,000.25 |
Dema | $7,162.04 | Travelers | $10,158.57 | Allstate | $9,326.25 | USAA | $3,035.80 | State Farm | $4,278.19 |
Pinsonfork | $7,127.30 | Travelers | $10,158.57 | Allstate | $9,326.13 | USAA | $3,593.27 | State Farm | $3,757.47 |
Debord | $7,125.42 | Allstate | $10,629.49 | Travelers | $9,894.25 | USAA | $3,367.20 | State Farm | $4,000.25 |
Phyllis | $7,117.75 | Travelers | $10,158.57 | Allstate | $9,326.11 | USAA | $3,367.20 | State Farm | $3,755.53 |
Topmost | $7,107.14 | Travelers | $10,158.57 | Allstate | $9,326.21 | USAA | $3,035.80 | State Farm | $4,165.60 |
Melvin | $7,102.07 | Travelers | $9,894.25 | Allstate | $9,326.06 | USAA | $3,035.80 | State Farm | $4,000.25 |
Bypro | $7,098.25 | Travelers | $9,873.28 | Allstate | $9,326.22 | USAA | $3,035.80 | State 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 City | Most Expensive Company | Most Expensive Annual Rate | 2nd Most Expensive Company | 2nd Most Expensive Annual Rate | Cheapest Company | Cheapest Annual Rate | 2nd Cheapest Company | 2nd Cheapest Annual Rate |
---|---|---|---|---|---|---|---|---|---|
Owensboro | $3,566.89 | Allstate | $4,928.51 | Liberty Mutual | $4,267.76 | State Farm | $2,316.53 | USAA | $2,513.88 |
Bowling Green | $3,687.55 | Allstate | $5,059.58 | GEICO | $4,157.73 | State Farm | $2,260.49 | USAA | $2,565.07 |
Fort Thomas | $3,704.38 | Allstate | $5,266.80 | Liberty Mutual | $4,662.19 | State Farm | $2,325.07 | USAA | $2,408.90 |
Bellevue | $3,717.46 | Allstate | $5,324.49 | Liberty Mutual | $4,792.75 | State Farm | $2,406.29 | USAA | $2,408.90 |
Cold Spring | $3,732.13 | Allstate | $5,285.03 | Liberty Mutual | $5,060.59 | State Farm | $2,311.51 | USAA | $2,488.60 |
Florence | $3,736.24 | Allstate | $5,174.49 | Liberty Mutual | $4,654.22 | USAA | $2,384.68 | State Farm | $2,413.50 |
Rockfield | $3,743.65 | Allstate | $5,090.36 | Travelers | $4,214.74 | State Farm | $2,281.94 | USAA | $2,554.68 |
Independence | $3,746.40 | Allstate | $5,205.18 | Liberty Mutual | $4,479.45 | State Farm | $2,507.44 | USAA | $2,625.00 |
Burlington | $3,753.36 | Allstate | $5,257.11 | Liberty Mutual | $4,679.08 | USAA | $2,253.31 | State Farm | $2,422.85 |
Edgewood | $3,759.97 | Allstate | $5,195.10 | Liberty Mutual | $4,679.05 | State Farm | $2,456.10 | USAA | $2,457.16 |
Masonville | $3,763.32 | Allstate | $5,362.88 | Liberty Mutual | $4,739.30 | State Farm | $2,365.74 | USAA | $2,615.92 |
Francisville | $3,772.80 | Allstate | $5,374.44 | Liberty Mutual | $4,408.36 | USAA | $2,437.41 | State Farm | $2,526.28 |
Maceo | $3,773.20 | Allstate | $5,078.68 | Travelers | $4,790.72 | State Farm | $2,448.24 | USAA | $2,615.92 |
Alvaton | $3,780.86 | Allstate | $5,090.46 | Travelers | $4,710.39 | State Farm | $2,331.38 | USAA | $2,385.58 |
Dayton | $3,782.52 | Allstate | $5,580.14 | Liberty Mutual | $4,674.83 | USAA | $2,408.90 | State Farm | $2,416.64 |
Silver Grove | $3,788.09 | Allstate | $5,285.03 | Liberty Mutual | $5,060.59 | State Farm | $2,325.00 | USAA | $2,488.60 |
Petersburg | $3,789.43 | Allstate | $5,285.00 | Liberty Mutual | $4,679.08 | USAA | $2,253.31 | State Farm | $2,602.70 |
Latonia | $3,796.57 | Allstate | $5,250.89 | Liberty Mutual | $5,060.59 | USAA | $2,378.38 | State Farm | $2,568.22 |
Alexandria | $3,816.37 | Allstate | $5,303.71 | Liberty Mutual | $4,580.14 | State Farm | $2,427.24 | USAA | $2,548.39 |
Philpot | $3,822.12 | Allstate | $5,078.67 | Travelers | $4,803.34 | State Farm | $2,416.84 | USAA | $2,615.92 |
California | $3,833.22 | Allstate | $5,412.69 | Liberty Mutual | $4,580.14 | USAA | $2,488.60 | State Farm | $2,531.38 |
Covington | $3,835.76 | Allstate | $5,266.92 | Liberty Mutual | $4,956.19 | State Farm | $2,620.38 | USAA | $2,668.77 |
Morning View | $3,846.10 | Allstate | $5,315.24 | Liberty Mutual | $4,394.89 | USAA | $2,548.39 | State Farm | $2,660.18 |
Melbourne | $3,846.51 | Allstate | $5,292.02 | Liberty Mutual | $4,580.14 | State Farm | $2,427.24 | USAA | $2,488.60 |
Henderson | $3,848.00 | Allstate | $5,203.22 | Liberty Mutual | $4,619.14 | USAA | $2,532.95 | State Farm | $2,983.25 |
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Owensboro has the cheapest car insurance rate.
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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
Company | AM Rating | Direct Premiums Written | Loss Ratio | Market Share |
---|---|---|---|---|
State Farm Group | A++ | $714,964 | 65.70% | 23.59% |
Kentucky Farm Bureau Group | A | $566,603 | 75.94% | 18.70% |
Progressive Group | A+ | $240,000 | 58.90% | 7.92% |
Geico | A++ | $212,468 | 74.56% | 7.01% |
Liberty Mutual Group | A | $206,822 | 59.60% | 6.82% |
Allstate Insurance Group | A+ | $190,422 | 50.09% | 6.28% |
USAA Group | A++ | $152,259 | 76.42% | 5.02% |
Nationwide Corp Group | A+ | $88,331 | 57.90% | 2.91% |
Shelter Insurance Group | A | $57,753 | 63.96% | 1.91% |
State Auto Mutual Group | A- | $56,056 | 72.38% | 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.
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.
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.
Company | National Median Complaint Ratio | Company Complaint Ratio 2017 | Total Complaints 2017 |
---|---|---|---|
State Farm Group | 1 | 0.44 | 1482 |
Kentucky Farm Bureau Group | 1 | 0.02 | 1 |
Progressive Group | 1 | 0.75 | 120 |
Geico | 0 | 0.007 | 6 |
Liberty Mutual Group | 1 | 5.95 | 222 |
Allstate Insurance Group | 1 | 0.5 | 163 |
USAA Group | 0 | 0 | 2 |
Nationwide Corp Group | 1 | 0.28 | 25 |
Shelter Insurance Group | 1 | 0.61 | 47 |
State Auto Mutual Group | 1 | 1.74 | 23 |
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Overall satisfaction is always important, but don’t be discouraged by these numbers because they are still extremely low.
Cheapest Companies in Kentucky
Below is a list highlighting some of the cheapest car insurance companies in Kentucky.
Company | Average Annual Rate | Compared to State Average | Percentage Compared to State Average |
---|---|---|---|
Allstate P&C | $7,143.92 | $2,119.89 | 29.67% |
Geico General | $4,633.59 | -$390.44 | -8.43% |
SAFECO Ins Co of IL | $5,930.97 | $906.94 | 15.29% |
Nationwide Mutual | $5,503.23 | $479.20 | 8.71% |
Progressive Direct | $5,547.63 | $523.60 | 9.44% |
State Farm Mutual Auto | $3,354.32 | -$1,669.71 | -49.78% |
Travelers Home & Marine Ins Co | $6,551.68 | $1,527.65 | 23.32% |
USAA | $2,735.86 | -$2,288.17 | -83.64% |
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State Farm, USAA, and Geico have some of the cheapest rates out there.
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.
Group | 10 miles commute, 6000 annual mileage | 25 miles commute, 12000 annual mileage |
---|---|---|
Allstate | $7,143.92 | $7,143.92 |
Geico | $4,590.52 | $4,676.65 |
Liberty Mutual | $5,930.97 | $5,930.97 |
Nationwide | $5,503.23 | $5,503.23 |
Progressive | $5,547.63 | $5,547.63 |
State Farm | $3,270.85 | $3,437.78 |
Travelers | $6,551.68 | $6,551.68 |
USAA | $2,789.64 | $3,006.15 |
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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.
Group | Low Coverage | Medium Coverage | High Coverage |
---|---|---|---|
Allstate | $6,432.05 | $7,101.39 | $7,898.31 |
Geico | $4,293.44 | $4,613.47 | $4,993.86 |
Liberty Mutual | $5,605.20 | $5,887.57 | $6,300.15 |
Nationwide | $5,529.57 | $5,426.01 | $5,554.10 |
Progressive | $5,072.27 | $5,457.13 | $6,113.49 |
State Farm | $3,152.33 | $3,347.83 | $3,562.79 |
Travelers | $6,207.73 | $6,578.16 | $6,869.14 |
USAA | $2,759.80 | $2,890.83 | $3,043.04 |
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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.
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.
Group | Poor Credit History | Fair Credit History | Good Credit History |
---|---|---|---|
Allstate | $9,533.35 | $6,508.38 | $5,390.03 |
Geico | $7,618.30 | $3,803.71 | $2,478.76 |
Liberty Mutual | $8,498.13 | $5,201.15 | $4,093.63 |
Nationwide | $6,719.07 | $5,248.71 | $4,541.89 |
Progressive | $6,192.39 | $5,408.23 | $5,042.27 |
State Farm | $4,832.88 | $2,933.18 | $2,296.89 |
Travelers | $7,311.83 | $6,182.66 | $6,160.53 |
USAA | $4,306.41 | $2,416.87 | $1,970.40 |
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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 bad credit, and bad credit affects many things in life.
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.
Group | Clean record | With 1 speeding violation | With 1 accident | With 1 DUI |
---|---|---|---|---|
Allstate | $5,911.23 | $6,679.30 | $7,724.51 | $8,260.64 |
Geico | $2,766.32 | $3,387.81 | $4,913.10 | $7,467.13 |
Liberty Mutual | $4,937.70 | $5,254.67 | $7,618.06 | $5,913.45 |
Nationwide | $4,358.34 | $4,807.99 | $5,662.92 | $7,183.66 |
Progressive | $4,580.31 | $5,569.65 | $6,816.16 | $5,224.39 |
State Farm | $3,079.02 | $3,354.32 | $3,629.62 | $3,354.32 |
Travelers | $5,703.08 | $6,120.50 | $5,868.49 | $8,514.63 |
USAA | $2,182.03 | $2,627.86 | $3,087.95 | $3,693.72 |
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If you have Geico and you get a DUI, your rate will almost triple in price. Don’t drink and drive, it’s the law.
Keep a clean record, and you have nothing to worry about.
Number of Insurers in Kentucky
How many licensed insurance companies are there in Kentucky?
Domestic | Foreign | Total Number of Licensed Insurers |
---|---|---|
7 | 900 | 907 |
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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
Kentucky State Laws
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 insurance, DUI laws, texting laws and more, keep scrolling down the page.
Car Insurance Laws in Kentucky
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 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.
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:
- 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.
- 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.
- 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.
- 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 Laws | Details |
---|---|
Mandatory Holding Period | 6 months |
Minimum Supervised Driving Time | 60 hours, 10 of which must be at night |
Minimum Age | 16 years old |
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Teenage drivers must have a restricted license before receiving a graduated license.
Restricted License Laws | Details |
---|---|
Nighttime restrictions | midnight-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 restrictions | 6 months or age 18, whichever occurs first (min. age: 17) |
Passenger restrictions | 6 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.
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 Laws | Details |
---|---|
Effective Since | July 15, 1994 |
Primary Enforcement | yes; effective 07/20/06 |
Age/Seats Applicable | 7 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 Required | Age |
---|---|
Child Restraint | 40 inches or less in a child restraint |
Child Booster Seat | 7 and younger who are between 40 and 57 inches tall in a booster seat |
Adult Belt Permissible | taller than 57 inches |
Preference for rear seat | law 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 Roadway | Speed Limit |
---|---|
Rural Interstates | 65 mph; 70 mph on specified segments of road |
Urban Interstates | 65 mph |
Other Limited Access Roads | 65 mph |
Other Roads | 55 mph |
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Please be aware that these are the maximum speed limits allowed on Kentucky roads.
Ridesharing
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.
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 Offense | Driving under the influence (DUI) |
---|---|
BAC Limit | 0.08 |
High BAC Limit | 0.15 |
Criminal Status | 1st class B misdemeanor, 2nd-3rd within 5 years class A misdemeanors, 4th+ class D felony |
Look Back Period | 10 years |
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The penalties for drinking and driving are listed in the table below.
Number of Offense | ALS or Revocation | Imprisonment | Fine | Other |
---|---|---|---|---|
1st Offense | 30-120 days | 2-30 days | $200-$500 | 90 days of alcohol or substance abuse program; possible 48 hours-30 days of community labor |
2nd Offense | 12-18 month suspension | 7 days-6 months | $350-$500 | 1 year alcohol or substance abuse treatment; 10 days-6 months community labor |
3rd Offense | 24-36 months | 30 days-12 months | $500-$1000 | 1 year alcohol or substance abuse treatment; 10 days-12 months community labor |
4th Offense | 60 month suspension | 120 day w/o probation min | 1 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 ban | Young drivers all cellphone ban | Texting ban | Enforcement |
---|---|---|---|
no | drivers younger than 18 | all drivers | primary |
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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.
Driving 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.
Vehicle Theft in Kentucky
Did you know some types of vehicles are more stolen than others?
Make/Model | Year of Vehicle | Number of Thefts |
---|---|---|
Chevrolet Pickup (Full Size) | 1998 | 250 |
Ford Pickup (Full Size) | 2001 | 241 |
Toyota Camry | 1999 | 178 |
Chevrolet Impala | 2005 | 118 |
Toyota Corolla | 2014 | 110 |
Honda Accord | 1997 | 108 |
Ford Explorer | 2000 | 99 |
Ford Taurus | 2002 | 94 |
Dodge Pickup (Full Size) | 2001 | 93 |
Chevrolet Pickup (Small Size) | 2000 | 79 |
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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.
City | Motor vehicle theft |
---|---|
Adairville | 0 |
Albany | 2 |
Alexandria | 12 |
Allen | 0 |
Anchorage | 1 |
Ashland | 35 |
Auburn | 0 |
Audubon Park | 11 |
Augusta | 0 |
Barbourville | 10 |
Bardstown | 39 |
Bardwell | 0 |
Beattyville | 5 |
Beaver Dam | 6 |
Bellefonte | 0 |
Bellevue | 7 |
Benham | 0 |
Benton | 11 |
Berea | 50 |
Bloomfield | 0 |
Booneville | 0 |
Bowling Green | 158 |
Brandenburg | 1 |
Brodhead | 0 |
Brooksville | 0 |
Brownsville | 2 |
Burkesville | 0 |
Burnside | 2 |
Butler | 0 |
Cadiz | 3 |
Calvert City | 1 |
Campbellsburg | 0 |
Campbellsville | 24 |
Caneyville | 0 |
Carlisle | 1 |
Carrollton | 9 |
Catlettsburg | 2 |
Cave City | 5 |
Centertown | 0 |
Central City | 2 |
Clarkson | 0 |
Clay | 0 |
Clay City | 0 |
Clinton | 0 |
Cloverport | 3 |
Coal Run Village | 0 |
Cold Spring | 8 |
Columbia | 1 |
Corbin | 29 |
Covington | 123 |
Crab Orchard | 0 |
Cumberland | 2 |
Cynthiana | 7 |
Danville | 26 |
Dawson Springs | 6 |
Dayton | 8 |
Dry Ridge | 3 |
Eddyville | 1 |
Edgewood | 4 |
Edmonton | 1 |
Elizabethtown | 40 |
Elkhorn City | 0 |
Elkton | 2 |
Elsmere | 12 |
Eminence | 2 |
Erlanger | 22 |
Eubank | 0 |
Evarts | 0 |
Falmouth | 2 |
Ferguson | 0 |
Flatwoods | 1 |
Fleming-Neon | 0 |
Flemingsburg | 4 |
Florence | 59 |
Fort Mitchell | 4 |
Fort Thomas | 8 |
Fort Wright | 4 |
Fountain Run | 0 |
Frankfort | 87 |
Franklin | 14 |
Fulton | 5 |
Gamaliel | 0 |
Georgetown | 52 |
Glasgow | 38 |
Graymoor-Devondale | 5 |
Grayson | 6 |
Greensburg | 3 |
Greenup | 1 |
Greenville | 6 |
Guthrie | 0 |
Hardinsburg | 1 |
Harlan | 1 |
Harrodsburg | 18 |
Hartford | 2 |
Hawesville | 0 |
Hazard | 8 |
Henderson | 49 |
Heritage Creek | 0 |
Highland Heights | 1 |
Hillview | 20 |
Hodgenville | 3 |
Hopkinsville | 48 |
Horse Cave | 0 |
Hurstbourne Acres | 0 |
Hustonville | 0 |
Hyden | 0 |
Independence | 14 |
Indian Hills | 6 |
Inez | 0 |
Irvine | 0 |
Irvington | 1 |
Jackson | 2 |
Jamestown | 1 |
Jeffersontown | 86 |
Jenkins | 0 |
Junction City | 0 |
La Center | 0 |
La Grange | 13 |
Lakeside Park-Crestview Hills | 6 |
Lancaster | 4 |
Lawrenceburg | 9 |
Lebanon | 8 |
Lebanon Junction | 0 |
Leitchfield | 12 |
Lewisburg | 0 |
Lewisport | 0 |
Lexington | 1,158 |
Liberty | 1 |
London | 24 |
Louisa | 4 |
Louisville Metro | 4,364 |
Loyall | 0 |
Ludlow | 10 |
Lynch | 0 |
Lynnview | 1 |
Madisonville | 22 |
Manchester | 6 |
Marion | 5 |
Martin | 1 |
Mayfield | 21 |
Maysville | 9 |
McKee | 0 |
Meadow Vale | 0 |
Middlesboro | 15 |
Millersburg | 1 |
Monticello | 4 |
Morehead | 2 |
Morganfield | 0 |
Morgantown | 6 |
Mortons Gap | 0 |
Mount Olivet | 0 |
Mount Sterling | 18 |
Mount Vernon | 5 |
Mount Washington | 19 |
Muldraugh | 6 |
Munfordville | 1 |
Murray | 16 |
New Haven | 0 |
Newport | 45 |
Nicholasville | 61 |
Northfield | 0 |
Oak Grove | 24 |
Olive Hill | 0 |
Owensboro | 235 |
Owenton | 1 |
Owingsville | 2 |
Paducah | 68 |
Paintsville | 5 |
Paris | 13 |
Park Hills | 4 |
Perryville | 0 |
Pewee Valley | 0 |
Pikeville | 5 |
Pineville | 1 |
Pioneer Village | 6 |
Pippa Passes | 0 |
Powderly | 0 |
Prestonsburg | 3 |
Princeton | 14 |
Prospect | 4 |
Providence | 4 |
Raceland | 0 |
Radcliff | 38 |
Ravenna | 1 |
Richmond | 77 |
Russell | 0 |
Russell Springs | 4 |
Russellville | 11 |
Sadieville | 0 |
Salyersville | 0 |
Science Hill | 0 |
Scottsville | 16 |
Sebree | 0 |
Shelbyville | 9 |
Shepherdsville | 63 |
Shively | 129 |
Silver Grove | 0 |
Simpsonville | 3 |
Smiths Grove | 0 |
Somerset | 41 |
Southgate | 8 |
South Shore | 0 |
Springfield | 8 |
Stamping Ground | 0 |
Stanford | 8 |
Stanton | 0 |
St. Matthews | 65 |
Strathmoor Village | 0 |
Sturgis | 0 |
Taylor Mill | 2 |
Taylorsville | 0 |
Tompkinsville | 2 |
Trenton | 0 |
Uniontown | 0 |
Vanceburg | 0 |
Versailles | 15 |
Villa Hills | 2 |
Vine Grove | 4 |
Warsaw | 1 |
Wayland | 0 |
West Buechel | 14 |
West Liberty | 1 |
West Point | 0 |
Wheelwright | 0 |
Whitesburg | 0 |
Wilder | 2 |
Williamsburg | 12 |
Williamstown | 3 |
Wilmore | 4 |
Winchester | 54 |
Wingo | 0 |
Woodburn | 0 |
Worthington | 0 |
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Some of these cities have a total of zero theft. That’s not a typo – that’s the truth.
Road Fatalities 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 Condition | Daylight | Dark, but Lighted | Dark | Dawn or Dusk | Other / Unknown | Total |
---|---|---|---|---|---|---|
Normal | 324 | 66 | 192 | 24 | 0 | 606 |
Rain | 50 | 11 | 29 | 6 | 0 | 96 |
Snow/Sleet | 7 | 0 | 0 | 0 | 0 | 7 |
Other | 0 | 1 | 8 | 1 | 0 | 10 |
Unknown | 0 | 1 | 1 | 0 | 0 | 2 |
TOTAL | 381 | 79 | 230 | 31 | 0 | 721 |
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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.
County | Fatalities 2013 | 2014 | 2015 | 2016 | 2017 | Fatalities Per 100k Population 2013 | 2014 | 2015 | 2016 | 2017 |
---|---|---|---|---|---|---|---|---|---|---|
Adair County | 3 | 6 | 6 | 7 | 6 | 15.7 | 31.18 | 31.09 | 36.12 | 30.79 |
Allen County | 6 | 2 | 5 | 5 | 7 | 29.53 | 9.76 | 24.2 | 24.12 | 33.44 |
Anderson County | 0 | 4 | 3 | 6 | 5 | 0 | 18.33 | 13.72 | 27.1 | 22.18 |
Ballard County | 4 | 3 | 2 | 6 | 2 | 48.46 | 36.63 | 24.34 | 74.47 | 24.88 |
Barren County | 11 | 9 | 11 | 9 | 9 | 25.63 | 20.92 | 25.26 | 20.55 | 20.55 |
Bath County | 3 | 1 | 6 | 3 | 2 | 25.05 | 8.24 | 49.2 | 24.45 | 16.16 |
Bell County | 7 | 3 | 7 | 8 | 11 | 24.96 | 10.78 | 25.57 | 29.42 | 40.9 |
Boone County | 9 | 5 | 15 | 14 | 19 | 7.23 | 3.96 | 11.74 | 10.84 | 14.53 |
Bourbon County | 2 | 4 | 8 | 6 | 7 | 10.04 | 20.02 | 39.81 | 29.91 | 34.95 |
Boyd County | 4 | 6 | 5 | 4 | 6 | 8.18 | 12.29 | 10.31 | 8.3 | 12.51 |
Boyle County | 2 | 7 | 4 | 6 | 8 | 6.76 | 23.52 | 13.46 | 20.07 | 26.73 |
Bracken County | 1 | 2 | 6 | 1 | 1 | 11.89 | 23.96 | 72.48 | 11.98 | 12.1 |
Breathitt County | 5 | 12 | 2 | 8 | 6 | 36.97 | 89.81 | 14.97 | 60.66 | 46.35 |
Breckinridge County | 7 | 7 | 4 | 4 | 7 | 34.93 | 35.21 | 20.03 | 20.05 | 34.81 |
Bullitt County | 7 | 11 | 12 | 12 | 10 | 9.1 | 14.09 | 15.25 | 15.15 | 12.46 |
Butler County | 3 | 5 | 6 | 4 | 4 | 23.64 | 39.29 | 47.16 | 31.49 | 31.17 |
Caldwell County | 3 | 3 | 6 | 6 | 3 | 23.29 | 23.35 | 47.07 | 47.55 | 23.74 |
Calloway County | 9 | 9 | 6 | 7 | 5 | 23.48 | 23.42 | 15.53 | 18.05 | 12.85 |
Campbell County | 5 | 7 | 8 | 15 | 10 | 5.49 | 7.64 | 8.7 | 16.3 | 10.81 |
Carlisle County | 2 | 3 | 1 | 1 | 2 | 40.3 | 60.41 | 20.58 | 20.76 | 41.27 |
Carroll County | 3 | 3 | 6 | 5 | 3 | 27.78 | 28.02 | 56.32 | 47.17 | 28 |
Carter County | 4 | 5 | 7 | 2 | 9 | 14.5 | 18.17 | 25.51 | 7.34 | 33.16 |
Casey County | 6 | 4 | 5 | 2 | 5 | 37.49 | 25.36 | 31.77 | 12.69 | 31.75 |
Christian County | 10 | 7 | 8 | 12 | 11 | 13.58 | 9.55 | 10.94 | 16.73 | 15.62 |
Clark County | 4 | 7 | 5 | 7 | 8 | 11.25 | 19.65 | 14.02 | 19.5 | 22.19 |
Clay County | 6 | 6 | 9 | 7 | 2 | 28.31 | 28.44 | 42.88 | 33.84 | 9.82 |
Clinton County | 1 | 3 | 2 | 2 | 2 | 9.83 | 29.42 | 19.65 | 19.57 | 19.46 |
Crittenden County | 2 | 4 | 3 | 1 | 4 | 21.79 | 43.6 | 32.72 | 10.91 | 44.03 |
Cumberland County | 1 | 3 | 1 | 0 | 3 | 14.71 | 44.57 | 14.82 | 0 | 44.74 |
Daviess County | 8 | 8 | 15 | 20 | 9 | 8.14 | 8.13 | 15.1 | 20.03 | 8.97 |
Edmonson County | 1 | 3 | 2 | 1 | 2 | 8.3 | 25.01 | 16.69 | 8.29 | 16.36 |
Elliott County | 0 | 0 | 0 | 1 | 2 | 0 | 0 | 0 | 13.32 | 26.59 |
Estill County | 8 | 2 | 1 | 1 | 2 | 55.25 | 13.85 | 6.96 | 6.97 | 14.01 |
Fayette County | 18 | 28 | 27 | 50 | 35 | 5.83 | 9.01 | 8.57 | 15.67 | 10.87 |
Fleming County | 6 | 0 | 1 | 3 | 1 | 41.24 | 0 | 6.85 | 20.68 | 6.92 |
Floyd County | 11 | 7 | 15 | 8 | 11 | 28.59 | 18.42 | 39.97 | 21.64 | 30.33 |
Franklin County | 3 | 2 | 1 | 10 | 10 | 6.07 | 4.03 | 2 | 19.9 | 19.81 |
Fulton County | 1 | 3 | 1 | 0 | 2 | 15.66 | 47.87 | 15.95 | 0 | 32.3 |
Gallatin County | 4 | 2 | 2 | 3 | 6 | 46.77 | 23.22 | 23.28 | 34.37 | 68.37 |
Garrard County | 2 | 1 | 6 | 3 | 1 | 11.76 | 5.89 | 34.85 | 17.24 | 5.71 |
Grant County | 2 | 5 | 3 | 3 | 3 | 8.15 | 20.15 | 12.13 | 12.04 | 12.01 |
Graves County | 8 | 8 | 8 | 10 | 9 | 21.43 | 21.32 | 21.53 | 26.92 | 24.25 |
Grayson County | 6 | 7 | 10 | 9 | 11 | 23.12 | 26.86 | 38.27 | 34.43 | 41.73 |
Green County | 7 | 3 | 5 | 1 | 3 | 62.75 | 27.2 | 45.58 | 9.09 | 27.11 |
Greenup County | 3 | 7 | 3 | 2 | 7 | 8.22 | 19.29 | 8.34 | 5.59 | 19.71 |
Hancock County | 0 | 2 | 0 | 2 | 3 | 0 | 23.03 | 0 | 22.89 | 34.09 |
Hardin County | 20 | 16 | 22 | 16 | 16 | 18.37 | 14.76 | 20.71 | 14.97 | 14.81 |
Harlan County | 4 | 11 | 3 | 7 | 1 | 14.04 | 39.26 | 10.91 | 25.91 | 3.74 |
Harrison County | 5 | 4 | 1 | 1 | 4 | 26.98 | 21.49 | 5.37 | 5.38 | 21.3 |
Hart County | 2 | 6 | 5 | 8 | 3 | 10.83 | 32.43 | 27.17 | 43.18 | 15.99 |
Henderson County | 4 | 5 | 3 | 9 | 2 | 8.63 | 10.78 | 6.47 | 19.46 | 4.35 |
Henry County | 2 | 4 | 5 | 8 | 1 | 12.97 | 25.74 | 32.12 | 50.46 | 6.25 |
Hickman County | 1 | 3 | 0 | 0 | 1 | 21.24 | 64.14 | 0 | 0 | 22.12 |
Hopkins County | 5 | 10 | 12 | 13 | 4 | 10.77 | 21.66 | 26.05 | 28.44 | 8.78 |
Jackson County | 3 | 4 | 2 | 3 | 7 | 22.39 | 30.05 | 15 | 22.43 | 52.12 |
Jefferson County | 88 | 78 | 85 | 99 | 107 | 11.61 | 10.25 | 11.12 | 12.9 | 13.88 |
Jessamine County | 6 | 8 | 11 | 7 | 3 | 11.98 | 15.73 | 21.24 | 13.4 | 5.62 |
Johnson County | 3 | 3 | 7 | 2 | 3 | 12.79 | 12.9 | 30.25 | 8.75 | 13.28 |
Kenton County | 5 | 9 | 17 | 9 | 17 | 3.07 | 5.51 | 10.36 | 5.47 | 10.28 |
Knott County | 5 | 3 | 0 | 3 | 1 | 31.11 | 18.84 | 0 | 19.34 | 6.54 |
Knox County | 7 | 5 | 9 | 4 | 5 | 22.12 | 15.86 | 28.66 | 12.77 | 16.01 |
Larue County | 1 | 3 | 4 | 8 | 3 | 7.13 | 21.25 | 28.32 | 57.01 | 21.12 |
Laurel County | 13 | 10 | 8 | 11 | 18 | 21.8 | 16.71 | 13.36 | 18.34 | 29.91 |
Lawrence County | 6 | 1 | 1 | 3 | 6 | 37.73 | 6.29 | 6.3 | 18.93 | 38.17 |
Lee County | 1 | 4 | 1 | 1 | 1 | 14.53 | 58.85 | 14.84 | 15.16 | 15.22 |
Leslie County | 2 | 0 | 5 | 2 | 4 | 18.2 | 0 | 46.97 | 19.16 | 38.71 |
Letcher County | 4 | 4 | 4 | 3 | 4 | 16.99 | 17.12 | 17.35 | 13.19 | 17.91 |
Lewis County | 4 | 2 | 4 | 5 | 3 | 29.25 | 14.55 | 29.44 | 37.11 | 22.49 |
Lincoln County | 2 | 3 | 9 | 2 | 10 | 8.18 | 12.27 | 36.95 | 8.21 | 40.89 |
Livingston County | 2 | 2 | 4 | 2 | 2 | 21.43 | 21.43 | 43.03 | 21.7 | 21.58 |
Logan County | 10 | 3 | 4 | 1 | 4 | 37.08 | 11.19 | 14.96 | 3.75 | 14.78 |
Lyon County | 3 | 0 | 4 | 4 | 5 | 35.49 | 0 | 48.13 | 49.49 | 61.87 |
Madison County | 12 | 10 | 19 | 10 | 10 | 13.97 | 11.49 | 21.55 | 11.17 | 10.96 |
Magoffin County | 4 | 4 | 5 | 4 | 5 | 30.9 | 30.81 | 39.13 | 31.56 | 39.88 |
Marion County | 5 | 3 | 6 | 4 | 6 | 25.13 | 15.75 | 31.26 | 20.9 | 30.94 |
Marshall County | 6 | 14 | 16 | 5 | 11 | 19.23 | 45.19 | 51.54 | 15.99 | 35.05 |
Martin County | 0 | 1 | 1 | 1 | 1 | 0 | 7.99 | 8.13 | 8.37 | 8.73 |
Mason County | 8 | 5 | 0 | 2 | 4 | 46.16 | 29.18 | 0 | 11.66 | 23.29 |
Mccracken County | 7 | 4 | 15 | 15 | 11 | 10.71 | 6.12 | 23.09 | 22.96 | 16.82 |
Mccreary County | 4 | 4 | 3 | 6 | 7 | 22.31 | 22.32 | 16.79 | 34.18 | 40.08 |
Mclean County | 1 | 0 | 1 | 2 | 2 | 10.58 | 0 | 10.64 | 21.41 | 21.74 |
Meade County | 6 | 6 | 7 | 7 | 10 | 20.52 | 20.62 | 25.23 | 24.99 | 35.52 |
Menifee County | 0 | 1 | 1 | 3 | 4 | 0 | 15.88 | 15.71 | 46.54 | 61.97 |
Mercer County | 1 | 5 | 4 | 5 | 5 | 4.7 | 23.42 | 18.72 | 23.37 | 23.23 |
Metcalfe County | 4 | 6 | 2 | 4 | 0 | 40.23 | 60.11 | 20.19 | 39.96 | 0 |
Monroe County | 0 | 0 | 1 | 1 | 1 | 0 | 0 | 9.42 | 9.45 | 9.38 |
Montgomery County | 2 | 2 | 10 | 4 | 5 | 7.34 | 7.31 | 36.27 | 14.46 | 17.9 |
Morgan County | 4 | 0 | 1 | 2 | 1 | 29.92 | 0 | 7.54 | 15.11 | 7.58 |
Muhlenberg County | 6 | 2 | 2 | 6 | 12 | 19.15 | 6.39 | 6.4 | 19.31 | 38.94 |
Nelson County | 8 | 5 | 15 | 13 | 14 | 17.96 | 11.15 | 33.26 | 28.56 | 30.67 |
Nicholas County | 1 | 4 | 3 | 2 | 3 | 14.27 | 56.75 | 42.5 | 28.32 | 42.08 |
Ohio County | 5 | 4 | 3 | 9 | 4 | 20.86 | 16.71 | 12.49 | 37.2 | 16.54 |
Oldham County | 5 | 9 | 1 | 3 | 5 | 7.94 | 14.08 | 1.55 | 4.59 | 7.53 |
Owen County | 4 | 3 | 2 | 3 | 4 | 37.62 | 28.18 | 18.65 | 28.13 | 37.16 |
Owsley County | 1 | 2 | 2 | 3 | 0 | 21.73 | 44.4 | 44.97 | 66.74 | 0 |
Pendleton County | 1 | 1 | 2 | 2 | 3 | 6.87 | 6.91 | 13.82 | 13.72 | 20.59 |
Perry County | 11 | 9 | 5 | 14 | 7 | 39.28 | 32.64 | 18.28 | 51.54 | 26.36 |
Pike County | 20 | 21 | 14 | 16 | 12 | 31.32 | 33.36 | 22.65 | 26.47 | 20.38 |
Powell County | 3 | 5 | 5 | 9 | 2 | 24.04 | 40.45 | 40.86 | 73.2 | 16.16 |
Pulaski County | 7 | 11 | 14 | 16 | 9 | 10.98 | 17.23 | 21.93 | 24.99 | 13.96 |
Robertson County | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Rockcastle County | 4 | 3 | 5 | 3 | 9 | 23.88 | 17.83 | 29.53 | 17.78 | 53.9 |
Rowan County | 5 | 3 | 3 | 7 | 7 | 20.66 | 12.38 | 12.19 | 28.69 | 28.55 |
Russell County | 3 | 8 | 2 | 6 | 2 | 16.95 | 45.07 | 11.33 | 33.76 | 11.25 |
Scott County | 12 | 12 | 9 | 9 | 5 | 24.01 | 23.43 | 17.27 | 16.85 | 9.11 |
Shelby County | 6 | 7 | 8 | 12 | 4 | 13.53 | 15.55 | 17.49 | 25.76 | 8.44 |
Simpson County | 2 | 4 | 6 | 7 | 3 | 11.31 | 22.53 | 33.57 | 38.92 | 16.57 |
Spencer County | 0 | 1 | 3 | 2 | 5 | 0 | 5.64 | 16.68 | 10.97 | 27.02 |
Taylor County | 1 | 2 | 6 | 6 | 3 | 3.98 | 7.88 | 23.44 | 23.59 | 11.78 |
Todd County | 1 | 2 | 6 | 4 | 1 | 8.03 | 16.12 | 48.31 | 32.36 | 8.17 |
Trigg County | 4 | 1 | 3 | 3 | 6 | 27.96 | 7.07 | 21.09 | 20.96 | 41.54 |
Trimble County | 1 | 5 | 1 | 4 | 1 | 11.34 | 57.24 | 11.44 | 46.37 | 11.68 |
Union County | 0 | 0 | 1 | 9 | 3 | 0 | 0 | 6.68 | 60.84 | 20.45 |
Warren County | 18 | 17 | 13 | 23 | 26 | 15.1 | 14.05 | 10.51 | 18.2 | 20.18 |
Washington County | 0 | 4 | 4 | 4 | 4 | 0 | 33.63 | 33.31 | 32.98 | 32.99 |
Wayne County | 2 | 3 | 12 | 9 | 0 | 9.63 | 14.56 | 58.23 | 43.37 | 0 |
Webster County | 3 | 3 | 3 | 3 | 4 | 22.47 | 22.74 | 22.79 | 22.77 | 30.73 |
Whitley County | 7 | 9 | 10 | 13 | 7 | 19.51 | 25.11 | 27.71 | 36.01 | 19.33 |
Wolfe County | 2 | 2 | 4 | 6 | 3 | 27.47 | 27.58 | 55.22 | 83.16 | 41.3 |
Woodford County | 5 | 5 | 3 | 5 | 2 | 19.77 | 19.58 | 11.63 | 19.16 | 7.58 |
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Traffic Fatalities Rural vs Urban
Did more fatalities occur in rural areas or urban areas?
Area | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 |
---|---|---|---|---|---|---|---|---|---|---|
Rural | 634 | 645 | 551 | 559 | 582 | 494 | 517 | 593 | 607 | 510 |
Urban | 191 | 146 | 208 | 161 | 164 | 144 | 155 | 168 | 226 | 271 |
Unknown | 0 | 0 | 1 | 0 | 0 | 0 | 0 | 0 | 1 | 1 |
Total | 825 | 791 | 760 | 720 | 746 | 638 | 672 | 761 | 834 | 782 |
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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 Type | 2013 | 2014 | 2015 | 2016 | 2017 | |
---|---|---|---|---|---|---|
Occupants | Passenger Car | 269 | 278 | 314 | 353 | 326 |
Light Truck - Pickup | 92 | 115 | 120 | 116 | 126 | |
Light Truck - Utility | 84 | 84 | 99 | 88 | 90 | |
Light Truck - Van | 20 | 21 | 25 | 32 | 32 | |
Large Truck | 10 | 9 | 9 | 16 | 10 | |
Other/Unknown Occupants | 15 | 17 | 24 | 23 | 15 | |
Total Occupants | 490 | 524 | 591 | 628 | 600 | |
Light Truck - Other | 0 | 0 | 0 | 0 | 1 | |
Motorcyclists | Total Motorcyclists | 87 | 86 | 91 | 111 | 90 |
Nonoccupants | Pedestrian | 55 | 57 | 67 | 81 | 83 |
Bicyclist and Other Cyclist | 3 | 4 | 7 | 9 | 7 | |
Other/Unknown Nonoccupants | 3 | 1 | 5 | 5 | 2 | |
Total Nonoccupants | 61 | 62 | 79 | 95 | 92 | |
Total | Total | 638 | 672 | 761 | 834 | 782 |
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Fatalities by Crash Type
Did the specific crash type have anything to do with the fatality rate?
Crash Type | 2013 | 2014 | 2015 | 2016 | 2017 |
---|---|---|---|---|---|
Total Fatalities (All Crashes) | 638 | 672 | 761 | 834 | 782 |
(1) Single Vehicle | 355 | 395 | 400 | 451 | 413 |
(2) Involving a Large Truck | 78 | 68 | 81 | 100 | 89 |
(3) Involving Speeding | 125 | 125 | 140 | 138 | 138 |
(4) Involving a Rollover | 157 | 200 | 229 | 216 | 203 |
(5) Involving a Roadway Departure | 410 | 456 | 499 | 529 | 472 |
(6) Involving an Intersection (or Intersection Related) | 116 | 119 | 122 | 152 | 179 |
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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.
County | 2013 | 2014 | 2015 | 2016 | 2017 |
---|---|---|---|---|---|
Jefferson County | 88 | 78 | 85 | 99 | 107 |
Fayette County | 18 | 28 | 27 | 50 | 35 |
Warren County | 18 | 17 | 13 | 23 | 26 |
Boone County | 9 | 5 | 15 | 14 | 19 |
Laurel County | 13 | 10 | 8 | 11 | 18 |
Kenton County | 5 | 9 | 17 | 9 | 17 |
Hardin County | 20 | 16 | 22 | 16 | 16 |
Nelson County | 8 | 5 | 15 | 13 | 14 |
Muhlenberg County | 6 | 2 | 2 | 6 | 12 |
Pike County | 20 | 21 | 14 | 16 | 12 |
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Fatalities Involving Speeding by County
Speeding is another major cause of traffic fatalities.
County | Fatalities 2013 | 2014 | 2015 | 2016 | 2017 | Fatalities Per 100K Population 2013 | 2014 | 2015 | 2016 | 2017 |
---|---|---|---|---|---|---|---|---|---|---|
Adair County | 1 | 2 | 1 | 0 | 2 | 5.23 | 10.39 | 5.18 | 0 | 10.26 |
Allen County | 1 | 0 | 1 | 2 | 0 | 4.92 | 0 | 4.84 | 9.65 | 0 |
Anderson County | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Ballard County | 0 | 0 | 0 | 0 | 1 | 0 | 0 | 0 | 0 | 12.44 |
Barren County | 6 | 1 | 1 | 0 | 2 | 13.98 | 2.32 | 2.3 | 0 | 4.57 |
Bath County | 0 | 0 | 2 | 0 | 0 | 0 | 0 | 16.4 | 0 | 0 |
Bell County | 1 | 0 | 0 | 0 | 3 | 3.57 | 0 | 0 | 0 | 11.15 |
Boone County | 4 | 3 | 3 | 4 | 3 | 3.21 | 2.38 | 2.35 | 3.1 | 2.29 |
Bourbon County | 1 | 2 | 5 | 2 | 1 | 5.02 | 10.01 | 24.88 | 9.97 | 4.99 |
Boyd County | 0 | 0 | 3 | 0 | 0 | 0 | 0 | 6.18 | 0 | 0 |
Boyle County | 0 | 2 | 2 | 0 | 1 | 0 | 6.72 | 6.73 | 0 | 3.34 |
Bracken County | 0 | 0 | 1 | 0 | 0 | 0 | 0 | 12.08 | 0 | 0 |
Breathitt County | 0 | 2 | 0 | 1 | 1 | 0 | 14.97 | 0 | 7.58 | 7.72 |
Breckinridge County | 0 | 3 | 1 | 0 | 0 | 0 | 15.09 | 5.01 | 0 | 0 |
Bullitt County | 0 | 3 | 3 | 2 | 3 | 0 | 3.84 | 3.81 | 2.52 | 3.74 |
Butler County | 0 | 1 | 0 | 0 | 1 | 0 | 7.86 | 0 | 0 | 7.79 |
Caldwell County | 0 | 0 | 1 | 0 | 1 | 0 | 0 | 7.84 | 0 | 7.91 |
Calloway County | 5 | 2 | 0 | 2 | 1 | 13.05 | 5.21 | 0 | 5.16 | 2.57 |
Campbell County | 1 | 0 | 1 | 6 | 0 | 1.1 | 0 | 1.09 | 6.52 | 0 |
Carlisle County | 1 | 0 | 0 | 0 | 1 | 20.15 | 0 | 0 | 0 | 20.64 |
Carroll County | 0 | 1 | 0 | 0 | 0 | 0 | 9.34 | 0 | 0 | 0 |
Carter County | 0 | 1 | 3 | 1 | 2 | 0 | 3.63 | 10.93 | 3.67 | 7.37 |
Casey County | 1 | 0 | 0 | 0 | 1 | 6.25 | 0 | 0 | 0 | 6.35 |
Christian County | 6 | 4 | 3 | 4 | 0 | 8.15 | 5.46 | 4.1 | 5.58 | 0 |
Clark County | 0 | 0 | 0 | 1 | 2 | 0 | 0 | 0 | 2.79 | 5.55 |
Clay County | 1 | 2 | 2 | 1 | 0 | 4.72 | 9.48 | 9.53 | 4.83 | 0 |
Clinton County | 1 | 1 | 0 | 0 | 1 | 9.83 | 9.81 | 0 | 0 | 9.73 |
Crittenden County | 0 | 1 | 0 | 1 | 0 | 0 | 10.9 | 0 | 10.91 | 0 |
Cumberland County | 0 | 0 | 0 | 0 | 1 | 0 | 0 | 0 | 0 | 14.91 |
Daviess County | 0 | 1 | 2 | 4 | 4 | 0 | 1.02 | 2.01 | 4.01 | 3.99 |
Edmonson County | 0 | 0 | 0 | 0 | 2 | 0 | 0 | 0 | 0 | 16.36 |
Elliott County | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Estill County | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Fayette County | 3 | 7 | 3 | 11 | 8 | 0.97 | 2.25 | 0.95 | 3.45 | 2.48 |
Fleming County | 0 | 0 | 0 | 1 | 0 | 0 | 0 | 0 | 6.89 | 0 |
Floyd County | 3 | 1 | 1 | 0 | 5 | 7.8 | 2.63 | 2.66 | 0 | 13.79 |
Franklin County | 1 | 0 | 0 | 0 | 2 | 2.02 | 0 | 0 | 0 | 3.96 |
Fulton County | 0 | 3 | 0 | 0 | 0 | 0 | 47.87 | 0 | 0 | 0 |
Gallatin County | 0 | 0 | 0 | 0 | 2 | 0 | 0 | 0 | 0 | 22.79 |
Garrard County | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Grant County | 0 | 0 | 1 | 0 | 0 | 0 | 0 | 4.04 | 0 | 0 |
Graves County | 2 | 2 | 5 | 2 | 0 | 5.36 | 5.33 | 13.45 | 5.38 | 0 |
Grayson County | 1 | 1 | 0 | 1 | 1 | 3.85 | 3.84 | 0 | 3.83 | 3.79 |
Green County | 1 | 0 | 0 | 0 | 0 | 8.96 | 0 | 0 | 0 | 0 |
Greenup County | 0 | 3 | 0 | 1 | 0 | 0 | 8.27 | 0 | 2.79 | 0 |
Hancock County | 0 | 1 | 0 | 1 | 0 | 0 | 11.51 | 0 | 11.45 | 0 |
Hardin County | 3 | 5 | 5 | 1 | 2 | 2.76 | 4.61 | 4.71 | 0.94 | 1.85 |
Harlan County | 0 | 0 | 0 | 1 | 0 | 0 | 0 | 0 | 3.7 | 0 |
Harrison County | 1 | 1 | 0 | 1 | 0 | 5.4 | 5.37 | 0 | 5.38 | 0 |
Hart County | 1 | 0 | 2 | 3 | 0 | 5.42 | 0 | 10.87 | 16.19 | 0 |
Henderson County | 1 | 1 | 1 | 1 | 0 | 2.16 | 2.16 | 2.16 | 2.16 | 0 |
Henry County | 2 | 1 | 1 | 0 | 0 | 12.97 | 6.43 | 6.42 | 0 | 0 |
Hickman County | 0 | 1 | 0 | 0 | 0 | 0 | 21.38 | 0 | 0 | 0 |
Hopkins County | 1 | 1 | 4 | 3 | 1 | 2.15 | 2.17 | 8.68 | 6.56 | 2.2 |
Jackson County | 1 | 0 | 0 | 0 | 1 | 7.46 | 0 | 0 | 0 | 7.45 |
Jefferson County | 18 | 21 | 13 | 21 | 28 | 2.37 | 2.76 | 1.7 | 2.74 | 3.63 |
Jessamine County | 1 | 0 | 0 | 2 | 1 | 2 | 0 | 0 | 3.83 | 1.87 |
Johnson County | 1 | 0 | 1 | 0 | 0 | 4.26 | 0 | 4.32 | 0 | 0 |
Kenton County | 1 | 2 | 4 | 0 | 0 | 0.61 | 1.23 | 2.44 | 0 | 0 |
Knott County | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Knox County | 1 | 1 | 3 | 1 | 0 | 3.16 | 3.17 | 9.55 | 3.19 | 0 |
Larue County | 1 | 0 | 0 | 0 | 0 | 7.13 | 0 | 0 | 0 | 0 |
Laurel County | 3 | 3 | 1 | 2 | 3 | 5.03 | 5.01 | 1.67 | 3.33 | 4.99 |
Lawrence County | 1 | 1 | 0 | 0 | 0 | 6.29 | 6.29 | 0 | 0 | 0 |
Lee County | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Leslie County | 0 | 0 | 0 | 0 | 1 | 0 | 0 | 0 | 0 | 9.68 |
Letcher County | 0 | 0 | 0 | 1 | 0 | 0 | 0 | 0 | 4.4 | 0 |
Lewis County | 1 | 0 | 2 | 3 | 1 | 7.31 | 0 | 14.72 | 22.26 | 7.5 |
Lincoln County | 0 | 0 | 0 | 0 | 3 | 0 | 0 | 0 | 0 | 12.27 |
Livingston County | 1 | 0 | 1 | 2 | 0 | 10.72 | 0 | 10.76 | 21.7 | 0 |
Logan County | 5 | 1 | 0 | 0 | 0 | 18.54 | 3.73 | 0 | 0 | 0 |
Lyon County | 0 | 0 | 1 | 1 | 2 | 0 | 0 | 12.03 | 12.37 | 24.75 |
Madison County | 2 | 1 | 3 | 3 | 2 | 2.33 | 1.15 | 3.4 | 3.35 | 2.19 |
Magoffin County | 0 | 1 | 1 | 1 | 2 | 0 | 7.7 | 7.83 | 7.89 | 15.95 |
Marion County | 0 | 0 | 1 | 1 | 1 | 0 | 0 | 5.21 | 5.22 | 5.16 |
Marshall County | 0 | 2 | 1 | 1 | 1 | 0 | 6.46 | 3.22 | 3.2 | 3.19 |
Martin County | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Mason County | 2 | 0 | 0 | 1 | 1 | 11.54 | 0 | 0 | 5.83 | 5.82 |
Mccracken County | 0 | 2 | 5 | 2 | 2 | 0 | 3.06 | 7.7 | 3.06 | 3.06 |
Mccreary County | 1 | 1 | 2 | 0 | 0 | 5.58 | 5.58 | 11.19 | 0 | 0 |
Mclean County | 0 | 0 | 0 | 2 | 1 | 0 | 0 | 0 | 21.41 | 10.87 |
Meade County | 1 | 2 | 4 | 1 | 1 | 3.42 | 6.87 | 14.41 | 3.57 | 3.55 |
Menifee County | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Mercer County | 1 | 0 | 0 | 1 | 0 | 4.7 | 0 | 0 | 4.67 | 0 |
Metcalfe County | 1 | 0 | 0 | 0 | 0 | 10.06 | 0 | 0 | 0 | 0 |
Monroe County | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Montgomery County | 0 | 0 | 1 | 0 | 1 | 0 | 0 | 3.63 | 0 | 3.58 |
Morgan County | 1 | 0 | 0 | 0 | 0 | 7.48 | 0 | 0 | 0 | 0 |
Muhlenberg County | 1 | 0 | 0 | 2 | 0 | 3.19 | 0 | 0 | 6.44 | 0 |
Nelson County | 3 | 0 | 5 | 3 | 4 | 6.73 | 0 | 11.09 | 6.59 | 8.76 |
Nicholas County | 0 | 0 | 0 | 1 | 1 | 0 | 0 | 0 | 14.16 | 14.03 |
Ohio County | 1 | 2 | 0 | 1 | 0 | 4.17 | 8.35 | 0 | 4.13 | 0 |
Oldham County | 1 | 3 | 0 | 0 | 0 | 1.59 | 4.69 | 0 | 0 | 0 |
Owen County | 0 | 1 | 0 | 2 | 2 | 0 | 9.39 | 0 | 18.76 | 18.58 |
Owsley County | 0 | 1 | 0 | 0 | 0 | 0 | 22.2 | 0 | 0 | 0 |
Pendleton County | 1 | 0 | 0 | 0 | 0 | 6.87 | 0 | 0 | 0 | 0 |
Perry County | 0 | 1 | 1 | 4 | 2 | 0 | 3.63 | 3.66 | 14.72 | 7.53 |
Pike County | 8 | 3 | 4 | 2 | 2 | 12.53 | 4.77 | 6.47 | 3.31 | 3.4 |
Powell County | 0 | 1 | 1 | 1 | 0 | 0 | 8.09 | 8.17 | 8.13 | 0 |
Pulaski County | 3 | 0 | 1 | 2 | 1 | 4.71 | 0 | 1.57 | 3.12 | 1.55 |
Robertson County | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Rockcastle County | 0 | 0 | 1 | 1 | 2 | 0 | 0 | 5.91 | 5.93 | 11.98 |
Rowan County | 1 | 1 | 1 | 1 | 1 | 4.13 | 4.13 | 4.06 | 4.1 | 4.08 |
Russell County | 1 | 1 | 1 | 0 | 0 | 5.65 | 5.63 | 5.66 | 0 | 0 |
Scott County | 1 | 4 | 2 | 0 | 1 | 2 | 7.81 | 3.84 | 0 | 1.82 |
Shelby County | 2 | 0 | 0 | 0 | 1 | 4.51 | 0 | 0 | 0 | 2.11 |
Simpson County | 1 | 0 | 1 | 1 | 0 | 5.65 | 0 | 5.59 | 5.56 | 0 |
Spencer County | 0 | 0 | 0 | 1 | 1 | 0 | 0 | 0 | 5.48 | 5.4 |
Taylor County | 0 | 1 | 2 | 0 | 2 | 0 | 3.94 | 7.81 | 0 | 7.85 |
Todd County | 0 | 0 | 2 | 0 | 0 | 0 | 0 | 16.1 | 0 | 0 |
Trigg County | 0 | 0 | 1 | 0 | 2 | 0 | 0 | 7.03 | 0 | 13.85 |
Trimble County | 0 | 0 | 0 | 0 | 1 | 0 | 0 | 0 | 0 | 11.68 |
Union County | 0 | 0 | 0 | 3 | 0 | 0 | 0 | 0 | 20.28 | 0 |
Warren County | 3 | 2 | 0 | 4 | 3 | 2.52 | 1.65 | 0 | 3.17 | 2.33 |
Washington County | 0 | 1 | 1 | 0 | 1 | 0 | 8.41 | 8.33 | 0 | 8.25 |
Wayne County | 0 | 0 | 6 | 2 | 0 | 0 | 0 | 29.12 | 9.64 | 0 |
Webster County | 0 | 2 | 0 | 0 | 0 | 0 | 15.16 | 0 | 0 | 0 |
Whitley County | 2 | 1 | 5 | 2 | 4 | 5.57 | 2.79 | 13.85 | 5.54 | 11.05 |
Wolfe County | 1 | 0 | 1 | 1 | 0 | 13.73 | 0 | 13.8 | 13.86 | 0 |
Woodford County | 1 | 2 | 2 | 0 | 0 | 3.95 | 7.83 | 7.75 | 0 | 0 |
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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.
County | Fatalities 2013 | 2014 | 2015 | 2016 | 2017 | Fatalities Per 100K Population 2013 | 2014 | 2015 | 2016 | 2017 |
---|---|---|---|---|---|---|---|---|---|---|
Adair County | 0 | 0 | 0 | 1 | 3 | 0 | 0 | 0 | 5.16 | 15.4 |
Allen County | 2 | 1 | 2 | 3 | 2 | 9.84 | 4.88 | 9.68 | 14.47 | 9.55 |
Anderson County | 0 | 1 | 0 | 1 | 0 | 0 | 4.58 | 0 | 4.52 | 0 |
Ballard County | 0 | 2 | 0 | 0 | 0 | 0 | 24.42 | 0 | 0 | 0 |
Barren County | 3 | 2 | 2 | 1 | 1 | 6.99 | 4.65 | 4.59 | 2.28 | 2.28 |
Bath County | 0 | 0 | 2 | 1 | 1 | 0 | 0 | 16.4 | 8.15 | 8.08 |
Bell County | 2 | 1 | 3 | 1 | 2 | 7.13 | 3.59 | 10.96 | 3.68 | 7.44 |
Boone County | 2 | 1 | 1 | 5 | 3 | 1.61 | 0.79 | 0.78 | 3.87 | 2.29 |
Bourbon County | 0 | 1 | 0 | 1 | 2 | 0 | 5.01 | 0 | 4.99 | 9.99 |
Boyd County | 1 | 0 | 0 | 0 | 2 | 2.04 | 0 | 0 | 0 | 4.17 |
Boyle County | 0 | 1 | 1 | 0 | 2 | 0 | 3.36 | 3.37 | 0 | 6.68 |
Bracken County | 0 | 1 | 2 | 0 | 0 | 0 | 11.98 | 24.16 | 0 | 0 |
Breathitt County | 0 | 4 | 0 | 1 | 1 | 0 | 29.94 | 0 | 7.58 | 7.72 |
Breckinridge County | 0 | 3 | 1 | 0 | 0 | 0 | 15.09 | 5.01 | 0 | 0 |
Bullitt County | 2 | 1 | 3 | 3 | 4 | 2.6 | 1.28 | 3.81 | 3.79 | 4.98 |
Butler County | 0 | 3 | 0 | 1 | 0 | 0 | 23.57 | 0 | 7.87 | 0 |
Caldwell County | 1 | 0 | 0 | 0 | 0 | 7.76 | 0 | 0 | 0 | 0 |
Calloway County | 0 | 3 | 0 | 3 | 1 | 0 | 7.81 | 0 | 7.74 | 2.57 |
Campbell County | 1 | 0 | 4 | 3 | 4 | 1.1 | 0 | 4.35 | 3.26 | 4.32 |
Carlisle County | 1 | 2 | 0 | 0 | 0 | 20.15 | 40.27 | 0 | 0 | 0 |
Carroll County | 1 | 0 | 1 | 0 | 0 | 9.26 | 0 | 9.39 | 0 | 0 |
Carter County | 1 | 1 | 3 | 1 | 2 | 3.62 | 3.63 | 10.93 | 3.67 | 7.37 |
Casey County | 2 | 1 | 2 | 2 | 2 | 12.5 | 6.34 | 12.71 | 12.69 | 12.7 |
Christian County | 1 | 2 | 2 | 5 | 2 | 1.36 | 2.73 | 2.74 | 6.97 | 2.84 |
Clark County | 0 | 1 | 2 | 0 | 1 | 0 | 2.81 | 5.61 | 0 | 2.77 |
Clay County | 2 | 1 | 4 | 0 | 1 | 9.44 | 4.74 | 19.06 | 0 | 4.91 |
Clinton County | 1 | 1 | 0 | 0 | 0 | 9.83 | 9.81 | 0 | 0 | 0 |
Crittenden County | 0 | 1 | 1 | 0 | 0 | 0 | 10.9 | 10.91 | 0 | 0 |
Cumberland County | 1 | 1 | 1 | 0 | 0 | 14.71 | 14.86 | 14.82 | 0 | 0 |
Daviess County | 0 | 3 | 0 | 4 | 5 | 0 | 3.05 | 0 | 4.01 | 4.98 |
Edmonson County | 1 | 0 | 0 | 0 | 1 | 8.3 | 0 | 0 | 0 | 8.18 |
Elliott County | 0 | 0 | 0 | 0 | 1 | 0 | 0 | 0 | 0 | 13.29 |
Estill County | 0 | 1 | 1 | 0 | 1 | 0 | 6.93 | 6.96 | 0 | 7 |
Fayette County | 6 | 12 | 8 | 13 | 12 | 1.94 | 3.86 | 2.54 | 4.07 | 3.73 |
Fleming County | 1 | 0 | 0 | 3 | 1 | 6.87 | 0 | 0 | 20.68 | 6.92 |
Floyd County | 5 | 1 | 3 | 2 | 1 | 13 | 2.63 | 7.99 | 5.41 | 2.76 |
Franklin County | 0 | 1 | 0 | 0 | 4 | 0 | 2.01 | 0 | 0 | 7.92 |
Fulton County | 0 | 1 | 1 | 0 | 1 | 0 | 15.96 | 15.95 | 0 | 16.15 |
Gallatin County | 0 | 0 | 2 | 1 | 0 | 0 | 0 | 23.28 | 11.46 | 0 |
Garrard County | 0 | 0 | 2 | 0 | 0 | 0 | 0 | 11.62 | 0 | 0 |
Grant County | 0 | 1 | 1 | 0 | 0 | 0 | 4.03 | 4.04 | 0 | 0 |
Graves County | 2 | 3 | 4 | 5 | 2 | 5.36 | 8 | 10.76 | 13.46 | 5.39 |
Grayson County | 1 | 1 | 4 | 2 | 2 | 3.85 | 3.84 | 15.31 | 7.65 | 7.59 |
Green County | 2 | 0 | 1 | 0 | 1 | 17.93 | 0 | 9.12 | 0 | 9.04 |
Greenup County | 0 | 2 | 1 | 0 | 1 | 0 | 5.51 | 2.78 | 0 | 2.82 |
Hancock County | 0 | 1 | 0 | 0 | 0 | 0 | 11.51 | 0 | 0 | 0 |
Hardin County | 5 | 4 | 5 | 1 | 1 | 4.59 | 3.69 | 4.71 | 0.94 | 0.93 |
Harlan County | 1 | 0 | 1 | 1 | 0 | 3.51 | 0 | 3.64 | 3.7 | 0 |
Harrison County | 2 | 2 | 0 | 0 | 0 | 10.79 | 10.75 | 0 | 0 | 0 |
Hart County | 2 | 0 | 2 | 5 | 0 | 10.83 | 0 | 10.87 | 26.99 | 0 |
Henderson County | 1 | 0 | 2 | 0 | 0 | 2.16 | 0 | 4.31 | 0 | 0 |
Henry County | 0 | 1 | 0 | 2 | 1 | 0 | 6.43 | 0 | 12.62 | 6.25 |
Hickman County | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Hopkins County | 3 | 3 | 0 | 0 | 2 | 6.46 | 6.5 | 0 | 0 | 4.39 |
Jackson County | 0 | 1 | 0 | 1 | 2 | 0 | 7.51 | 0 | 7.48 | 14.89 |
Jefferson County | 26 | 23 | 27 | 20 | 26 | 3.43 | 3.02 | 3.53 | 2.61 | 3.37 |
Jessamine County | 2 | 0 | 2 | 3 | 0 | 3.99 | 0 | 3.86 | 5.74 | 0 |
Johnson County | 1 | 1 | 0 | 0 | 0 | 4.26 | 4.3 | 0 | 0 | 0 |
Kenton County | 1 | 6 | 6 | 1 | 7 | 0.61 | 3.68 | 3.66 | 0.61 | 4.23 |
Knott County | 0 | 1 | 0 | 2 | 1 | 0 | 6.28 | 0 | 12.89 | 6.54 |
Knox County | 1 | 1 | 2 | 1 | 0 | 3.16 | 3.17 | 6.37 | 3.19 | 0 |
Larue County | 1 | 0 | 0 | 0 | 1 | 7.13 | 0 | 0 | 0 | 7.04 |
Laurel County | 3 | 1 | 2 | 1 | 7 | 5.03 | 1.67 | 3.34 | 1.67 | 11.63 |
Lawrence County | 2 | 1 | 0 | 0 | 1 | 12.58 | 6.29 | 0 | 0 | 6.36 |
Lee County | 0 | 2 | 0 | 0 | 0 | 0 | 29.42 | 0 | 0 | 0 |
Leslie County | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Letcher County | 2 | 1 | 0 | 0 | 2 | 8.49 | 4.28 | 0 | 0 | 8.95 |
Lewis County | 3 | 0 | 2 | 3 | 0 | 21.94 | 0 | 14.72 | 22.26 | 0 |
Lincoln County | 1 | 0 | 3 | 0 | 2 | 4.09 | 0 | 12.32 | 0 | 8.18 |
Livingston County | 1 | 0 | 3 | 2 | 0 | 10.72 | 0 | 32.28 | 21.7 | 0 |
Logan County | 1 | 1 | 0 | 0 | 0 | 3.71 | 3.73 | 0 | 0 | 0 |
Lyon County | 1 | 0 | 2 | 0 | 2 | 11.83 | 0 | 24.07 | 0 | 24.75 |
Madison County | 2 | 1 | 6 | 4 | 2 | 2.33 | 1.15 | 6.81 | 4.47 | 2.19 |
Magoffin County | 1 | 2 | 0 | 1 | 1 | 7.73 | 15.41 | 0 | 7.89 | 7.98 |
Marion County | 1 | 0 | 1 | 2 | 0 | 5.03 | 0 | 5.21 | 10.45 | 0 |
Marshall County | 0 | 3 | 0 | 1 | 1 | 0 | 9.68 | 0 | 3.2 | 3.19 |
Martin County | 0 | 0 | 1 | 0 | 1 | 0 | 0 | 8.13 | 0 | 8.73 |
Mason County | 1 | 1 | 0 | 0 | 1 | 5.77 | 5.84 | 0 | 0 | 5.82 |
Mccracken County | 0 | 1 | 2 | 0 | 0 | 0 | 1.53 | 3.08 | 0 | 0 |
Mccreary County | 0 | 2 | 1 | 1 | 3 | 0 | 11.16 | 5.6 | 5.7 | 17.18 |
Mclean County | 0 | 0 | 1 | 0 | 1 | 0 | 0 | 10.64 | 0 | 10.87 |
Meade County | 2 | 2 | 4 | 4 | 3 | 6.84 | 6.87 | 14.41 | 14.28 | 10.66 |
Menifee County | 0 | 0 | 0 | 3 | 0 | 0 | 0 | 0 | 46.54 | 0 |
Mercer County | 0 | 1 | 1 | 0 | 2 | 0 | 4.68 | 4.68 | 0 | 9.29 |
Metcalfe County | 0 | 1 | 0 | 1 | 0 | 0 | 10.02 | 0 | 9.99 | 0 |
Monroe County | 0 | 0 | 1 | 0 | 0 | 0 | 0 | 9.42 | 0 | 0 |
Montgomery County | 0 | 1 | 2 | 0 | 0 | 0 | 3.65 | 7.25 | 0 | 0 |
Morgan County | 1 | 0 | 0 | 0 | 1 | 7.48 | 0 | 0 | 0 | 7.58 |
Muhlenberg County | 2 | 2 | 0 | 1 | 1 | 6.38 | 6.39 | 0 | 3.22 | 3.25 |
Nelson County | 5 | 1 | 5 | 2 | 1 | 11.22 | 2.23 | 11.09 | 4.39 | 2.19 |
Nicholas County | 0 | 3 | 1 | 0 | 0 | 0 | 42.57 | 14.17 | 0 | 0 |
Ohio County | 2 | 1 | 0 | 1 | 1 | 8.35 | 4.18 | 0 | 4.13 | 4.14 |
Oldham County | 4 | 2 | 0 | 1 | 0 | 6.35 | 3.13 | 0 | 1.53 | 0 |
Owen County | 1 | 1 | 1 | 1 | 2 | 9.4 | 9.39 | 9.32 | 9.38 | 18.58 |
Owsley County | 1 | 0 | 1 | 2 | 0 | 21.73 | 0 | 22.49 | 44.49 | 0 |
Pendleton County | 0 | 0 | 0 | 0 | 2 | 0 | 0 | 0 | 0 | 13.72 |
Perry County | 1 | 1 | 3 | 6 | 1 | 3.57 | 3.63 | 10.97 | 22.09 | 3.77 |
Pike County | 7 | 2 | 6 | 2 | 3 | 10.96 | 3.18 | 9.71 | 3.31 | 5.09 |
Powell County | 2 | 0 | 1 | 1 | 0 | 16.03 | 0 | 8.17 | 8.13 | 0 |
Pulaski County | 3 | 2 | 3 | 3 | 3 | 4.71 | 3.13 | 4.7 | 4.69 | 4.65 |
Robertson County | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Rockcastle County | 1 | 0 | 0 | 0 | 1 | 5.97 | 0 | 0 | 0 | 5.99 |
Rowan County | 1 | 1 | 0 | 2 | 3 | 4.13 | 4.13 | 0 | 8.2 | 12.24 |
Russell County | 0 | 1 | 1 | 1 | 2 | 0 | 5.63 | 5.66 | 5.63 | 11.25 |
Scott County | 4 | 4 | 2 | 2 | 0 | 8 | 7.81 | 3.84 | 3.74 | 0 |
Shelby County | 2 | 1 | 1 | 4 | 1 | 4.51 | 2.22 | 2.19 | 8.59 | 2.11 |
Simpson County | 0 | 1 | 1 | 0 | 2 | 0 | 5.63 | 5.59 | 0 | 11.04 |
Spencer County | 0 | 0 | 1 | 0 | 1 | 0 | 0 | 5.56 | 0 | 5.4 |
Taylor County | 0 | 1 | 1 | 0 | 0 | 0 | 3.94 | 3.91 | 0 | 0 |
Todd County | 0 | 0 | 2 | 0 | 1 | 0 | 0 | 16.1 | 0 | 8.17 |
Trigg County | 1 | 0 | 0 | 1 | 2 | 6.99 | 0 | 0 | 6.99 | 13.85 |
Trimble County | 0 | 1 | 0 | 0 | 1 | 0 | 11.45 | 0 | 0 | 11.68 |
Union County | 0 | 0 | 0 | 4 | 1 | 0 | 0 | 0 | 27.04 | 6.82 |
Warren County | 7 | 9 | 2 | 4 | 4 | 5.87 | 7.44 | 1.62 | 3.17 | 3.1 |
Washington County | 0 | 1 | 2 | 1 | 1 | 0 | 8.41 | 16.66 | 8.24 | 8.25 |
Wayne County | 0 | 0 | 1 | 1 | 0 | 0 | 0 | 4.85 | 4.82 | 0 |
Webster County | 1 | 2 | 2 | 0 | 0 | 7.49 | 15.16 | 15.2 | 0 | 0 |
Whitley County | 3 | 2 | 3 | 5 | 2 | 8.36 | 5.58 | 8.31 | 13.85 | 5.52 |
Wolfe County | 1 | 0 | 1 | 2 | 0 | 13.73 | 0 | 13.8 | 27.72 | 0 |
Woodford County | 2 | 0 | 1 | 1 | 0 | 7.91 | 0 | 3.88 | 3.83 | 0 |
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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 People | Rank |
---|---|---|
66 | 65.31 | 31 |
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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.
Area | Time of Crash to EMS Notification | EMS Notification to EMS Arrival | EMS Arrival at Scene to Hospital Arrival | Time of Crash to Hospital Arrival | Total Fatal Crashes |
---|---|---|---|---|---|
Rural | 5 mins | 12.29 mins | 38.76 mins | 51.62 mins | 465 |
Urban | 3.12 mins | 6.52 mins | 29.21 mins | 38.27 mins | 255 |
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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.
Transportation
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.
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.
Commuter Transportation
In 2017, the most common method of travel for workers in Kentucky was to drive alone.
Traffic Congestion in Kentucky
According to Inrix, two of the most traffic-congested cities in the world are in Kentucky: Lexington and Louisville.
City | 2018 World Rank | Hours Lost in Congestion | Cost of Congestion (Per Driver) |
---|---|---|---|
Lexington | 148 | 79 | $1,108 |
Louisville | 194 | 53 | $734 |
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Lexington is the 148th most traffic-congested city in the world.
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