Kentucky Auto Insurance

Kentucky General Insurance Laws

Under Kentucky law, insurance companies may exclude a driver in your household from inclusion on your auto insurance policy.  In fact, the auto insurance company may make this request for persons with a poor driving history which pose a higher risk.  A college student who lives away from home and does not have access to a vehicle may be excluded.  If a driver is excluded from the policy, they have no liability coverage but you still have the liability exposure if they drive one of your vehicles and get in an accident. All exclusions must be stated in the exclusion section of your policy with the list of all the situations your insurance company will not cover.

Some insurance companies will give you better rates if you insure for more than the state mandatory minimums.  Lack of prior insurance coverage due to never owning a car cannot be held against you as long as you have never violated Kentucky’s mandatory insurance laws. 

The state of Kentucky allows insurance companies to check your credit history when they set your premiums and determine whether they will insure you.  The company may ask you to explain any bankruptcies, judgments, or credit problems.  Insurance companies will not use your credit history alone to determine the insurability or set the premium rates for their clientele.  The insurance company will also use other criteria such as your driving record, age, type of vehicle you drive and the area where you live to determine your premium rates.

Kentucky is a Choice No Fault state which means you can choose to use the No Fault system or you can choose to use the Tort system for mandatory liability insurance coverage.  Under the Tort system you can be personally sued for injuries, deaths, and damages beyond the amounts your insurance policy covers.  Under the No Fault system, you can only be sued for severe injury and death which is determined by the courts.  The No Fault insurance will pay up to $10,000.00 for lost wages, medical expenses, and replacement services.  You may choose to purchase higher coverage for your No Fault policy. 

The average insurance premium in Kentucky averages about $739.00 and has the 28th most expensive auto insurance premiums in the nation as of 2006.  The lowest premiums available in Kentucky are offered to the 68 year old male widower by United Services Automobile Association with a premium price of $598.00 for the annual premium.  This company also offers the lowest rates across all three categories.  On the other hand, the 40 year old male with a wife and teenage daughter receives the highest premium rates with a $26,222.00 annual premium accessed by the Sagamore Insurance Company.  This company has the highest premium rates across all three categories.  There are 99 major insurance companies which have met the qualifications to sell auto insurance in the state of Kentucky. 

Below you will find a table comparing the approximate annual premium estimates in the Pikeville area of Kentucky as of 2008.
Gender Female Male Male
Marital Status Single Married Widowed
Family Wife & Daughter
Age 22 40/38/17 68
Company Name
AIG Indemnity Ins. Company   $3,169.00   $5,727.00   $1,687.00
AIG National Ins. Company   $5,662.00 $15,732.00   $3,344.00
AIOI Insurance Company
of America   $3,098.00   $5,458.00   $1,958.00
Allstate Indemnity Company   $5,524.00   $9,451.00   $4,512.00
Allstate Insurance Company   $2,328.00   $4,544.00   $1,674.00
Allstate Property &
Casualty Company   $1,904.00   $5,072.00   $1,894.00
American Commerce
Insurance Company   $2,294.00   $3,500.00   $1,686.00
American Fire and
Casualty Company   $1,904.00   $4,147.00   $1,049.00
American Home
Assurance Company   $5,648.00 $13,323.00   $3,489.00
American International
South Insurance Company   $3,886.00 $17,428.00   $5,718.00
American National
General Insurance Company   $2,056.00   $3,818.00   $1,526.00
American National
Prop. & Casualty Company   $2,440.00   $4,188.00   $1,602.00
Amica Mutual Ins. Company   $2,966.00   $4,331.00   $1,666.00
Auto Club Property
Casualty Insurance Company   $3,558.00   $7,111.00   $1,518.00
Auto-Owners Insurance Co.   $3,326.00   $6,293.00   $1,812.00
Automobile Insurance Co. of
Hartford Connecticut   $3,594.00   $5,071.00   $1,842.00
Bankers Standard
Insurance Company   $2,229.00   $4,414.00   $1,539.00
Bristol West Insurance Co.   $4,441.00 $21,195.00   $5,727.00
California Casualty General
Insurance Company of Oregon   $4,091.00   $5,684.00   $1,608.00
Cincinnati Insurance Company   $1,952.00   $3,774.00   $1,087.00
Countryway Insurance Co.   $2,185.00   $4,302.00   $1,364.00
Dairyland Insurance Company   $6,008.00   $8,859.00   $3,751.00
Direct General Insurance
Company of Mississippi   $3,936.00   $7,679.00   $3,221.00
Electric Insurance Company   $3,560.00   $4,413.00   $2,446.00
Encompass Indemnity Company   $2,532.00   $4,906.00   $1,741.00
Encompass Insurance Company
Of America   $3,113.00   $4,824.00   $1,603.00
FB Insurance Company   $5,727.00 $11,551.00   $3,600.00
Federal Insurance Company   $4,139.00   $8,174.00   $2,570.00
First Liberty Insurance Corp.   $1,355.00   $2,050.00     $795.00

Garrison Property and Casualty
Insurance Company     $831.00   $2,319.00     $691.00
GEICO General Insurance Co.   $1,643.00   $3,494.00     $954.00
GEICO Indemnity Company   $3,515.00   $7,602.00   $2,398.00
Government Employees Ins. Co.   $1,643.00   $3,494.00     $954.00
Grange Indemnity Insurance Co.   $7,034.00 $13,206.00   $4,600.00
Grange Property & Casualty
Insurance Company   $2,042.00   $5,162.00   $1,894.00
Granite State Insurance Co.   $5,610.00 $14,626.00   $5,350.00
GuideOne Elite Insurance Co.   $1,412.00   $3,461.00   $1,029.00
GuideOne Mutual Insurance Co.   $1,728.00   $4,243.00   $1,258.00
GuideOne Specialty Mutual
Insurance Company   $1,299.00   $3,185.00     $948.00
Hamilton Mutual Insurance Co.   $1,728.00   $2,682.00     $844.00
IDS Property Casualty Ins. Co.   $2,928.00   $4,924.00   $2,560.00
Illinois National Insurance Co.   $5,610.00 $14,626.00   $5,350.00
Indiana Insurance Company   $2,762.00   $6,907.00   $1,939.00
Kentucky Farm Bureau
Mutual Insurance Company   $2,659.00   $4,839.00 $1,431.00
Kentucky National Ins. Co.   $1,924.00   $3,174.00   $988.00
Liberty Insurance Corporation   $5,162.00   $8,538.00   $3,031.00
Liberty Mutual Fire Ins. Co.   $2,700.00   $4,041.00   $1,514.00
Meraster Insurance Company   $3,416.00   $6,806.00   $2,062.00
Meridian Security Insurance Co.   $3,208.00   $4,716.00   $1,322.00
Metropolitan Casualty Ins. Co.   $2,246.00   $5,286.00   $1,658.00
Metropolitan Direct Property
& Casualty Insurance Company   $4,132.00   $4,164.00   $1,688.00
Metropolitan General Ins. Co.   $5,608.00 $10,902.00   $3,952.00
Metropolitan Property and
Casualty Insurance Company   $2,490.00   $5,868.00   $1,842.00
MICO Insurance Company $15,976.00 $12,204.00 $10,912.00
Motorists Mutual Insurance Co.   $5,029.00   $9,969.00   $2,705.00
National General Insurance Co.   $1,982.00   $4,879.00   $1,257.00
Nationwide Assurance Company $10,584.00 $18,950.00   $6,531.00
Nationwide Mutual Fire Ins. Co.   $5,039.00 $12,217.00   $4,076.00
Ohio Casualty Insurance Co.   $2,565.00   $5,713.00   $1,497.00
Ohio Security Insurance Co.   $2,582.00   $5,366.00   $1,553.00
Omni Indemnity Company   $7,178.00 $14,927.00   $7,737.00
Owners Insurance Company     NA               NA             $1,510.00
Pharmacists Mutual Ins. Co.   $2,228.00   $4,386.00   $1,352.00
Phoenix Insurance Company   $4,097.00   $7,169.00   $2,066.00
Progressive Casualty Ins. Co.   $3,241.00   $6,952.00   $3,280.00
Progressive Direct Insurance Co.   $2,677.00       $9,650.00   $2,280.00
Progressive Northern Ins. Co.   $3,241.00   $6,952.00   $3,280.00
Property and Casualty Insurance
Company of Hartford     NA                 NA             $1,372.00
Response Worldwide Direct
Auto Insurance Company   $3,401.00   $5,281.00   $1,531.00
Response Worldwide Ins. Co.   $3,155.00   $4,132.00   $1,201.00
SAFECO Insurance Company
of Illinois   $2,508.00   $8,479.00   $1,928.00
Sagamore Insurance Company $10,334.00 $26,222.00 $12,572.00
SECURA Insurance, A Mutual
Company   $2,715.00   $4,391.00   $1,371.00
Sentry Insurance, a Mutual Co.   $1,327.00     $2,326.00     $768.00
Shelter General Insurance Co.   $4,108.00   $5,823.00   $1,743.00
Shelter Mutual Insurance Co.   $1,814.00   $2,940.00       $837.00
Standard Fire Insurance Co.   $5,286.00   $9,252.00   $2,667.00
State Auto National Ins. Co.   $9,423.00 $18,565.00   $6,611.00
State Auto Property & Casualty
Insurance Company   $3,208.00   $4,716.00   $1,322.00
State Automobile Mutual
Insurance Company   $3,470.00   $4,772.00   $1,436.00
State Farm Fire and Casualty Co. $1,613.00   $4,479.00   $1,159.00
State Farm Mutual Automobile
Insurance Company   $1,465.00   $4,044.00   $1,082.00
TravCo Insurance Company   $3,594.00   $6,293.00   $1,812.00
Travelers Casualty Company
of Connecticut             $4,149.00   $7,340.00   $1,775.00
Travelers Commercial Ins. Co.   $1,514.00   $3,334.00   $1,268.00
Travelers Home and Marine
Insurance Company   $1,557.00   $3,433.00   $1,304.00
Travelers Indemnity Company
of America   $2,822.00   $4,446.00   $1,533.00
Travelers Property Casualty
Insurance Company   $4,322.00   $7,644.00   $1,849.00
Truck Insurance Exchange   $2,726.00   $7,485.00   $2,278.00
United Services Automobile
Association               $729.00   $1,967.00     $589.00
Unitrin Auto and Home
Insurance Company   $2,158.00   $4,025.00   $1,371.00
Unitrin Direct Property &
Casualty Company   $2,966.00   $9,448.00   $2,658.00
USAA Casualty Insurance Co.     $831.00   $2,319.00     $691.00
USAA General Indemnity Co.   $1,385.00   $3,774.00     $755.00
Victoria Fire & Casualty Co.   $4,033.00 $10,328.00   $3,684.00
Vigilant Insurance Company   $2,953.00   $5,856.00   $1,932.00
West American Insurance Co.   $2,148.00   $4,681.00   $1,274.00
Western United Insurance Co.   $3,026.00   $5,869.00   $1,586.00
Westfield Insurance Company   $2,689.00   $5,125.00   $1,543.00

Some things you can do to reduce your premiums are to maintain a clean driving record, and drive a vehicle with a good safety rating.  Other things that can affect your insurance are the area where you live and work and the traffic volume in that area.  If you have a teenage driver, it may be less expensive to include them on the family policy.  Stress with them the importance of maintaining good grades and a clean driving record as these will help to defray the cost of premiums.  Your age, the age of your car as well as its condition and the type of vehicle you drive, your gender, and your marital status will play a factor in the cost of your auto insurance premiums.  It may also help to be aware of the most popular models targeted by car thieves.  The list below is from 2006 for the state of Kentucky.

Top Ten Stolen Cars

1. 1997 Chevrolet C/K 1500 Pickup (full size)
2. 1997 Ford F150
3. 1991 Toyota Camry
4. 1986 Chevrolet Caprice
5. 1991 Chevrolet Cavalier
6. 1987 Oldsmobile Cutlass
7. 1994 Ford Taurus
8. 1995 Jeep Cherokee/Grand Cherokee
9. 1998 Chevrolet Blazer
10. 1996 Ford Explorer