When you're using the streets to get around, the road is at your feet. However, if you're not fully insured, you could be missing out on necessary protection. Kentucky car insurance will cover a loss, so you don't have to pay out of pocket.

A Kentucky independent insurance agent has access to multiple markets, giving you the best shot at affordable coverage. They'll even do the shopping for free, making it a no-brainer. Connect with a local expert to start saving today.

What Is Car Insurance?

Car insurance is a required policy in most states, including Kentucky. Each driver will need to obtain the state minimum limits of protection.

Car insurance coverage requirements explained:

• Property: Coverage for damage to vehicles and outside property
• Liability: Coverage for bodily injury or property damage
• Medical: Coverage for your medical expenses due to an at-fault loss

How Much Is Car Insurance in Kentucky?

Kentucky car insurance costs will vary from person to person. If you want exact prices, you'll need to get quotes through a trusted adviser. Carriers look at the following items when calculating your premiums:

• Loss history
• Driving record
• Value of vehicle
• Location
• Experience level and age
• Coverage selection

Estimated annual car insurance premiums in the US, by state

While you won't know your costs for car insurance until you obtain quotes, you can see what everyone else is paying. Your rates depend on numerous risk factors specific to you. 

What Are the Legal Car Insurance Limits Required in Kentucky?

Each state usually has a minimum limit of liability that is required to use the roadways. Kentucky is no different, and there are mandated necessary coverages. Check out the liability limits you'll have to obtain if you want to operate a vehicle in Kentucky:

•  Minimum limits of auto liability in Kentucky: $25,000 per person/ $50,000 per accident/ $25,000 property damage

Are Additional Car Insurance Limits Required When You're At Fault in Kentucky?

When you're at fault for an accident, then you'll need to have more than just liability coverage. Damage to your autos when you're in the wrong is only covered by certain optional coverages that have to be added to your policy.

Full-coverage car insurance options:

• Gap coverage: Pays for the difference between your remaining loan balance and the market value when a total loss occurs.
• Tow coverage: Will pay for a tow truck to tow a covered auto due to a loss.
• Rental car coverage: Will provide reimbursement for a rental car when your covered auto is damaged. 
• Comprehensive coverage: Will pay for property damage to your vehicle that is hit by an unavoidable obstruction.
• Collision coverage: Pays for property damage to your car in the event of a crash.

What Happens When an Uninsured Driver Hits You in Kentucky?

In Kentucky, uninsured/underinsured motorist coverage is not required under your minimum liability limits. This means you'll have to add it if you want protection for your injuries and vehicles in the event you get struck by a driver that doesn't have coverage.

Number of vehicles involved in fatal traffic crashes in the US

Nationally, 13.0% of drivers out on the road don't have insurance. In Kentucky, 11.5% of licensed drivers are uninsured. To stay ahead of an accident involving one of these operators, speak with a professional.

How a Kentucky Independent Insurance Agent Can Help

If you've been searching for the perfect car insurance policy at a fair price, it can be challenging. Many carriers are out on the market, making it confusing to know what's necessary. Instead of going it alone, consider using a licensed adviser. 

A Kentucky independent insurance agent will do the shopping for free through a network of companies. They'll review and compare coverages so that you're getting the most affordable policy. Connect with a local expert on trustedchoice.com for tailored quotes in minutes.