Kentucky car insurance rates tend to be higher than national averages, yet you may still find great deals. Your age, driving history and vehicle type all play an integral part in determining how much coverage costs. Defensive driving courses or adding an anti-theft device could also save money – both are effective ways of saving.
Full coverage in Kentucky costs an average of $2,522, or $207 monthly, which covers liability, collision and comprehensive policies. Additional protection such as personal injury protection (PIP) or roadside assistance might also be desirable.
Drivers with excellent credit tend to benefit from lower car insurance rates than drivers with poor credit, as insurers view them as less of a risk. Conversely, DUI convictions will cause your rates to skyrocket; severity and frequency of violations also factor into this; major violations like DUI may cause your rates to double while speeding tickets have less dramatic ramifications.
Marriage status also plays an impactful role on auto insurance rates; married drivers tend to pay lower premiums than single drivers due to more likely bundling home and auto policies for discounts that reduce overall premiums.
An impeccable driving record typically results in reduced car insurance premiums, as it demonstrates responsible behavior on the road. But accidents or multiple violations can quickly raise premiums; being charged with DUI, speeding tickets or reckless driving convictions will increase insurance costs hundreds of dollars every month; in Kentucky this typically increases by 99% while an at-fault accident will typically increase them 43%.
Cost of your vehicle has an effect on how much car insurance you pay; some models can be more costly to repair than others. Depending on its value, consider including comprehensive or collision coverage as additional protection against costly out-of-pocket expenses in case of an accident.
NerdWallet’s car insurance calculator provides an effortless and effective way to quickly obtain customized quotes from leading companies side-by-side. Simply enter your car details and answer a few simple questions to estimate rates quickly – then compare options and find the ideal policy to meet your needs! Get started today!