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Kentucky Car Insurance

Despite the fact that Kentucky is a no-fault state, drivers are still required to have a state mandated minimum of car insurance coverage to legally operate a vehicle.

Like most other states, Kentucky requires all drivers to have an auto insurance policy that includes the following three types of coverage:

1. Bodily injury and liability
2. Personal injury protection
3. Property damage and liability

The easiest way to remember the necessary amounts of coverage in Kentucky is by the 25/50/10 rule. This is just a simple way of saying that each driver needs to be insured for at least $25,000 in bodily injury coverage, $50,000 per accident, and at the very least, $10,000 in property damage. However, it is often recommended to obtain more coverage than the minimum required amount because drivers may still owe out of pocket fees � the only way to know which coverage policy and amount is best is to contact an experienced insurance agent for an evaluation.

The primary difference that sets Kentucky apart from the rest of the states is the fact that they operate under a Choice No-Fault system. This is a combination between having a No-Fault system, in which the insurance company will pay the drivers claims even if they are at fault, and a Tort system, which means that at least one driver must be found at fault for the accident � the driver at fault in the Tort system is required to pay for the damages to the other part. Most states do not allow drivers to have a choice between the two systems.

Regardless of the system chosen, Kentucky drivers retain the right to sue for any type of injury related to the accident. Similar to many other states, Kentucky does offer its drivers special discounts for good driving behavior, grades, and theft protection. Additionally, all insurance agencies within the state are allowed to set their own rates, which is beneficial to KY residents because it keeps the insurance market competitive and the overall rate affordable.

Start searching for car insurance companies by clicking on your desired Kentucky city BELOW:

Adairville Albany Alexandria Ashland Barbourville Bardstown Beaver Dam Bellevue Benton Berea Bowling Green Brandenburg Brownsville Burkesville Burlington Cadiz Calhoun Campbellsville Caneyville Carlisle Carrollton Cave City Central City Chaplin Clay Cold Spring Columbia Corbin Crescent Springs Crestview Hills Crestwood Cynthiana Danville Dawson Springs Dixon Dry Ridge Eddyville	Edgewood Edmonton Elizabethtown Elkhorn City Elkton Eminence Erlanger Evarts Falmouth Flatwoods Flemingsburg Florence Fort Mitchell Fort Thomas Fort Wright Frankfort Franklin Fulton Georgetown Glasgow Grayson Greensburg Greenville Harlan Harold Harrodsburg Hartford Hazard Hebron Henderson Highland Heights Hodgenville Hopkinsville Horse Cave Independence Inez Irvine	Irvington Kevil La Center La Grange Lawrenceburg Lebanon Leitchfield Lexington Liberty London Louisa Louisville Madisonville Marion Mayfield Maysville Middlesboro Monticello Morehead Morganfield Morgantown Mt Sterling Mt Vernon Mt Washington Munfordville Murray New Castle Nicholasville Owensboro Owenton Owingsville Paducah Paintsville Paris Park City Park Hills Pikeville	Pineville Powderly Prestonsburg Princeton Prospect Providence Radcliff Richmond Russell Russell Springs Russellville Salyersville Scottsville Shelbyville Shepherdsville Slaughters Smilax Somerset South Shore Springfield Stanford Stanton Taylor Mill Taylorsville Tompkinsville Union Versailles Walton West Point Whitesburg Whitesville Whitley City Williamsburg Williamstown Winchester