Cheapest Car Insurance in Kentucky 2022 – WalletHub | Cheap Car Insurance in KY, Cheapest Insurance in KY, Cheap Auto Insurance Kentucky

Cheapest Car Insurance in Kentucky for Good Drivers

Geico has the cheapest car insurance for most good drivers in Kentucky. Drivers who have never had an accident or received a citation are considered good drivers by insurers and pay less for insurance than drivers with bad records. In addition to low rates, good drivers can often qualify for additional
 

Cheapest Car Insurance in Kentucky for Full Coverage 

Full coverage refers to a policy that goes beyond the
 

Cheapest Car Insurance in Kentucky After a Ticket 

After a
 

Cheapest Car Insurance in Kentucky For Drivers with One At-Fault Accident 

One at-fault accident will usually affect your insurance negatively for 3-5 years as insurers will consider you
 

Cheapest Car Insurance in Kentucky for Drivers with Poor Credit 

A low credit score often flags drivers as higher risk, so insurers will usually charge them more for coverage. However, since insurers use different formulas to calculate premiums, poor credit might affect your rates more with one company than another. Because each insurance company treats credit differently, it pays to compare quotes.
 

Cheapest Car Insurance in Kentucky for Young Drivers 

Cheapest Car Insurance in Kentucky for Older Drivers 

Best Cities for Cheap Car Insurance in Kentucky 

City Premium Percent Increase
Madisonville $1,252 0.0%
Owensboro $1,261 0.6%
Hopkinsville $1,289 2.9%
Erlanger $1,313 4.8%
Newport $1,316 5.0%
Independence $1,316 5.1%
Bowling Green $1,317 5.1%
Ft Mitchell $1,319 5.3%
Florence $1,325 5.8%
Murray $1,332 6.4%
Henderson $1,336 6.7%
Covington $1,340 7.0%
Richmond $1,394 11.3%
Georgetown $1,407 12.3%
Ashland $1,426 13.9%
Berea $1,433 14.4%
Paducah $1,433 14.4%
Winchester $1,439 14.9%
Frankfort $1,454 16.1%
Nicholasville $1,468 17.2%
Lexington $1,472 17.5%
Glasgow $1,472 17.5%
Shelbyville $1,554 24.1%
Elizabethtown $1,597 27.5%
Somerset $1,603 28.0%
Bardstown $1,641 31.0%
Shepherdsville $1,760 40.5%
Corbin $1,840 46.9%
London $1,971 57.4%
Louisville $2,174 73.6%

 

Factors That Affect Car Insurance Premiums in Kentucky

 

Geico has the cheapest car indemnity for most good drivers in Kentucky. Drivers who have never had an accident or received a citation are considered thoroughly drivers by insurers and pay less for insurance than drivers with bad records. In accession to moo rates, good drivers can often qualify for extra discounts from their indemnity company.Full coverage refers to a policy that goes beyond the minimum state requirements. Because entire coverage protects you in more situations, it costs more than the minimum requirements.After a accelerate ticket, most drivers will see their indemnity rates go up for 3-5 years. It ’ second important to keep in mind that each indemnity company calculates rates differently, so you should constantly get multiple quotes in club to make sure that you get the best deal.One at-fault accident will normally affect your insurance negatively for 3-5 years as insurers will consider you bad. Because of your higher rates, it is even more crucial to comparison shop.A low credit mark frequently flags drivers as higher hazard, so insurers will normally charge them more for coverage. however, since insurers use different formulas to calculate premiums, poor accredit might affect your rates more with one company than another. Because each policy caller treats recognition differently, it pays to compare quotes.Since young drivers have less know behind the wheel, insurers tend to charge them higher rates than more mature drivers. On average, most drivers will see their rates drop as they get older with a considerable decrease once they turn 25 years old.Although suppurate drivers pay less for car insurance than teens, older drivers start to see their rates go up as they enter their aged years. Comparing car insurance rates can save older drivers hundreds of dollars a year.The table above reflects the average annual cost of car policy in Kentucky ’ randomness largest cities and towns.

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Reading: Cheapest Car Insurance in Kentucky 2022 – WalletHub | Cheap Car Insurance in KY, Cheapest Insurance in KY, Cheap Auto Insurance Kentucky

Recap: Cheapest Auto Insurance Companies in Kentucky

 

The cheapest car indemnity company in Kentucky is Geico, which charges an average of $ 55 per calendar month for state-minimum coverage. In addition to being the cheapest car insurance company for Kentuckians overall, it is the cheapest option for a number of specific categories, such as full coverage and indemnity for good drivers.

For your appliance, we ’ ve summarized the cheapest companies overall below.

Cheapest Car Insurance in Kentucky

6 Tips for How to Get Cheap Car Insurance in Kentucky

 

1. Compare quotes from both national and regional insurers

Don’t forget to include local insurance companies in your search for cheap car insurance. In Kentucky, regional insurers like Erie Insurance, Alfa Insurance, and Farm Bureau Insurance might have lower rates than national companies like State Farm, Geico, and Nationwide and have comparable customer satisfaction ratings.
 

2. Know the factors affecting insurance in Kentucky

Everyone knows that your driving habits and
 

3. Choose coverage that is right for you

You need

Don’t skimp on the coverage you need, but do make informed choices. That way, you won’t end up paying for more car insurance than you need.
 

4. Live in less expensive zip codes

Car insurance prices can vary a lot based on zip code in Kentucky. On average, drivers in the
 

5. Search for discounts

Top car insurance companies in Kentucky have a variety of discounts, so almost anyone can find ways to save. You may be able to get a
 

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6. Maintain coverage

You’ll see higher rates if you let your insurance lapse, even
 

Video: Cheap Auto Insurance in KY

 

Don ’ triiodothyronine forget to include local policy companies in your search for brassy car insurance. In Kentucky, regional insurers like Erie Insurance, Alfa Insurance, and Farm Bureau Insurance might have lower rates than national companies like State Farm, Geico, and Nationwide and have comparable customer gratification ratings.Everyone knows that your driving habits and claims history affect how much you pay for car policy. But in Kentucky, companies can besides consider your age, sex, credit history, marital status, and more when setting premiums. The cable car you drive, your annual mileage, and even some factors beyond your control all impact the price of insurance.You need liability indemnity to pay for the early driver ’ south damages if you ’ re at fault in an accident in Kentucky. Collision and comprehensive coverage, on the other hand, are optional and may be unnecessary if you own an older car. Usage-based policy might be a better fit than a standard policy for low-mileage drivers, and going with a higher deductible or lower coverage limits costs less, too.Don ’ metric ton skimp on the coverage you need, but do make inform choices. That way, you won ’ t end up paying for more car insurance than you need.Car policy prices can vary a lot based on energy code in Kentucky. On average, drivers in the most expensive parts of Kentucky spend over $ 1,700 more per year on car insurance than those living in the least expensive areas.Top car indemnity companies in Kentucky have a diverseness of discounts, so about anyone can find ways to save. You may be able to get a deduction if you ’ re a scholar, seasoned, full driver, homeowner, bequeath to go paperless, and more.You ’ ll meet higher rates if you let your policy lapse, even if you don ’ t own a cable car. Kentucky drivers who don ’ metric ton maintain continuous coverage pay an average of 11 % more than those with five or more years of insurance history.

Methodology for Selecting the Cheapest Auto Insurance in KY

 

In the table below, you can see all of the profile characteristics that were used in WalletHub’s analysis, in addition to the specific subset of characteristics that make up our Good Driver profile.

Category All Profile Characteristics Good Driver Profile
Gender Male, Female Male
Age 16, 17, 18, 19, 20, 21, 22, 23, 24, 25, 35, 45, 55, 65 45
Marital Status Single, Married Single
Teenage Driver Included on Policy No, Yes No
Driving Record Clean, One Speeding Ticket, One At-Fault Accident, One DUI, Suspended License, Open Container, Red Light Infraction, Reckless Driving, One Not At-Fault Accident Clean
Miles Driven Per Year 7,500 Miles, 15,000 Miles, 20,000 Miles 15,000 Miles
Coverage Level Minimum, Standard, Full Minimum
Discounts None, Multi-Policy, Homeowner, Student None
Credit Level Poor, Good Good
Filings None, SR22, FR44 None
Car Sedan, Minivan, SUV, Coupe, Truck Sedan
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WalletHub ’ s analysis of bum car insurance companies in Kentucky is based on data from the Kentucky DMV and Quadrant Information Services. together with that data, WalletHub used the characteristics listed below to create 40 different driver profiles designed to identify the cheapest cable car insurance companies for Kentucky drivers in a collection of key categories. For each profile, WalletHub compared quotes among top Kentucky car indemnity companies by averaging premiums from 34 nothing codes that represent at least 20 % of Kentucky ‘s population. Military-specific companies like USAA were entirely considered for the military-specific class, ascribable to their eligibility restrictions. In some cases, they may hush be the best choice overall for eligible drivers.In the table below, you can see all of the profile characteristics that were used in WalletHub ’ randomness analysis, in addition to the specific subset of characteristics that make up our good Driver profile .

  • Minimum Coverage: Coverage requirements of $25,000 in bodily injury liability per person, $50,000 in bodily injury liability per accident, $25,000 in property damage liability, and $10,000 in personal injury protection as required by Kentucky’s minimum coverage requirements.
  • Standard Coverage: Coverage levels of 50k/100k/25k of liability coverage, 50k/100k/25k of uninsured motorist coverage and $10,000 of personal injury protection.
  • Full Coverage: Coverage levels of 100k/300k/50k of liability coverage, 100k/300k/50k of uninsured motorist coverage, collision and comprehensive coverage with a $500 deductible and $10,000 of personal injury protection.
  • Sedan: 2018 Toyota Camry.
  • Minivan: 2018 Dodge Grand Caravan.
  • SUV: 2018 Toyota RAV4.
  • Coupe: 2018 Ford Mustang.
  • Truck: 2018 Ford F-150.

Where driver profiles are not specified, WalletHub averaged Kentucky insurance quotes across 40 different driver profiles, using the above variables. Quote information is from Quadrant Information Services and is representative only. Individual rates will be different.
Below are extra details regarding the terminology and specific characteristics of the variables in the above mesa : Where driver profiles are not specified, WalletHub averaged Kentucky indemnity quotes across 40 different driver profiles, using the above variables. Quote information is from Quadrant Information Services and is spokesperson alone. individual rates will be different .

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