Kentucky
- ~$50–$70
- ~$130–$155
- $25K/$50K/$25K
Kentucky features moderate insurance premiums, influenced by rural driving risks and a growing urban population in Louisville and Lexington. The state maintains a traditional tort system with no-fault coverage optional, while weather and terrain increase claims in mountainous areas.
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Kentucky Auto Insurance Facts *
Drivers
- ~3.0–3.1 million licensed drivers as of 2023.
- Vehicle ownership is high, with ~90% of households owning a car.
- Pickup trucks and SUVs are popular, especially in rural counties.
- Uninsured motorist rate around 14%.
- Limited public transit outside urban centers.
Accidents
| Year | Reported Crashes | Injury Crashes | Fatal Crashes |
|---|---|---|---|
| 2018 | ~68,400 | ~20,100 | 504 |
| 2019 | ~69,800 | ~20,600 | 517 |
| 2020 | ~61,900 | ~18,200 | 522 |
| 2021 | ~67,300 | ~19,800 | 538 |
| 2022 | ~68,900 | ~20,100 | 549 |
Laws & Regulations
- Tort liability system.
- Uninsured motorist coverage optional but recommended.
- Electronic proof of insurance required.
