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Kentucky Car Insurance

In the state of Kentucky, motor vehicle operators are required to have a minimum of $25,000 to cover bodily injury per person, $50,000 to cover bodily injury per accident, $10,000 to cover property damage per accident, and $10,000 Personal Injury Protection Insurance.  It is important for consumers to get a good car insurance quote to ensure they have insurance policies that will fit their needs and their pocket books. Personal Injury Protection Insurance provides coverage for medical expenses and lost wages regardless of fault in a motor vehicle accident.   Personal Injury Protection also covers members of the owner of the policy's family, their children, and passengers in the vehicle who do not own a motor vehicle and do not have Personal Injury Protection. Kentucky's "choice" no-fault auto insurance law provides those injured in a motor vehicle accident the right to sue for the cost of injuries they received in the accident. Having Personal Injury Protection Insurance limits the ability to sue the party at fault in an automobile accident.

Beginning in January 2006, all vehicle owners in Kentucky are required to electronically report their personal lines motor vehicle insurance information. This information is reported to the Department of Motor Vehicle Regulations. This mandate helps the Department of Motor Vehicle Regulations enforce Kentucky insurance laws.  This electronic information may change how insurance companies give a car insurance quote. This form of electronically reporting does away with reporting terminations in personal line policies, however they are still required in commercial line policies. Although insurance information is stored electronically, vehicle owners are still required to carry an insurance card and provide proof of insurance upon request of a law enforcement officer.

The largest city in Kentucky is Lexington-Fayette.  Consumers in this area may find an appealing car insurance quote due to the lowering numbers of automobile theft in this city.  From the year 2004 to the year 2008, auto theft has dropped from 773 to 587.  While these numbers are dramatically decreasing, it is important to have protection against the theft of a car.  Insurance does not only protect against injuries to people, but certain policies will protect against theft or damage to a motor vehicle.

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Kentucky Car Insurance

Although Lexington-Fayette, Louisville, Lexington, Owensboro, and Bowling Green are the biggest cities in Kentucky cheap car insurance rates vary from city to city and rates in Covington may or may not be different than Richmond. Whether you live in Hopkinsville, Henderson, Frankfort or some other city in Kentucky take 5 minutes and get free Car Insurance quotes now. If you are looking for additional ways to save take a look at our resources for finding Cheap Car Insurance in Kentucky.


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