Kentucky drivers typically pay an annual average cost of car insurance of $2,124 for full coverage policies – slightly more than the national average of $1,804. But many factors will ultimately impact how much coverage will cost them.
Age can have a major effect on your premium, as insurers view younger drivers as higher risks than older drivers. Because of this, teenagers generally have higher car insurance premiums; when adding one onto your Kentucky family policy they could increase rates up to three-and-a-half times!
Gender can have an effect on your car insurance rate; women typically pay less due to assumptions that men engage in more risky driving behavior that leads to costly accidents and claims. Still, finding great auto coverage should remain paramount, so always compare prices from multiple providers before making your choice.
Compare quotes from multiple providers in Kentucky to find the most cost-effective coverage options. Geico provides one of the lowest minimum coverage costs at only $888 annually; State Farm and USAA both offer some of the most economical full coverage policies at great rates.
As you shop around for insurance policies, keep these considerations in mind: your level of coverage; whether or not to add extras such as roadside assistance or rental car benefits; as well as what deductible you want. A lower deductible will decrease premiums but could lead to greater out-of-pocket expenses in case of an incident.
If your driving history has been more than spotty, it would be prudent to choose an insurer with accident forgiveness policies or driver-friendly features that may help mitigate some of its negative impacts on rates over time. While such features won’t erase them completely, they can help lessen their impact.
Policygenius agents offer the ideal way to find affordable Kentucky car insurance: our experts can compare prices from top-rated insurers and find you an insurance policy tailored specifically to your budget. Plus, they’ll explain Kentucky’s minimum coverage limits as well as any optional coverages that might make sense for you!
Just answer a few quick questions and we’ll show you a tailored list of rates from leading providers, allowing you to select your plan easily. Plus, our agents are always here to answer any of your queries; give us a call or chat online today! You can even download our free app and receive instant Kentucky car insurance quotes while on-the-go; just be sure you have your driving record and vehicle info ready; we’ll guide you step by step through this process and start saving now!