Enter your ZIP code:

Kentucky Car Insurance

With today's competitive market, we understand the challenge of finding affordable Kentucky car insurance.

Here at InsureMe, our goal is to make the quest for affordable Kentucky car insurance a thing of the past. Simply enter your information to the right and receive up to five free quotes from agents in your area.

Finding affordable Kentucky car insurance was never so easy!


Understanding Kentucky Car Insurance


What is Kentucky car insurance?

Kentucky car insurance protects you from financial loss in the event of a car accident.

Essentially, your Kentucky car insurance policy acts as a contract between you and your insurer which states that in exchange for paying your premium, the insurer will pay for any losses or damages resulting from a car accident.

Can I drive without Kentucky car insurance?

No!

The State of Kentucky requires all motorists to carry liability coverage in the amounts of 25/50/10. In other words, you must be insured for the following amounts:

  • $25,000 total for bodily injury per person
  • $50,000 total for bodily injury coverage per accident
  • $10,000 total for property damage per accident

The penalties for driving without Kentucky car insurance are rather severe. If you are caught driving without Kentucky car insurance, you could face fines between $500 and $1000 as well as 90 days in jail.

The repercussions of driving without Kentucky car insurance may haunt you long after your legal obligations are met—you will be considered a high risk driver and therefore have difficulty finding affordable Kentucky car insurance.

What if I can't obtain Kentucky car insurance in the normal market?

If you have been refused Kentucky car insurance in the last 60 days - and can provide proof of that refusal—you may be eligible for the Kentucky Automobile Insurance Plan, or KAIP.

According to the Kentucky Department of Insurance, KAIP can be purchased through regular Kentucky car insurance agents, or through a broker. Due to the expense of KAIP coverage, you will want to continue shopping for Kentucky car insurance in the normal market. You may cancel your KAIP coverage if you find more affordable Kentucky car insurance—any remaining funds will be prorated and returned to you.

Under what circumstances can my Kentucky car insurance cancel my policy?

The Kentucky Department of Insurance reports that your policy may only be cancelled if:

  • You have neglected to pay your premium (following a two-week notice).
  • Your driver's license is suspended or revoked (following a 20-day notice).
  • You have committed fraud against your insurance company or falsified information.

Can my Kentucky car insurance company choose not to renew my policy?

Yes.

Your company may choose not to renew your policy on account of claim frequency or traffic violations.

However, your company or agent cannot deny you renewal because of your age, your credit history or a disability not affecting mechanically assisted driving.

If you feel your policy was cancelled or non-renewed in error, you are encouraged to contact the Commissioner or Insurance within seven days of cancellation or non-renewal.

What if I still have questions?

For more information on KAIP and Kentucky car insurance, contact the Kentucky Department of Insurance at (800) 595-6053.

Don't Wait for the Unexpected!

By entering your information to the right, InsureMe will provide you with up to five free quotes for Kentucky car insurance in your area.

Finding the right Kentucky car insurance policy was never so easy!


Free Car Insurance Quotes!  
Free Home Insurance Quotes!  
Free Health Insurance Quotes!  

Free Life Insurance Quotes!  
List of Articles
No. Subject Author Views
102 Wyoming Car Insurance youcomparequotes 10811
101 Wyoming Auto Insurance youcomparequotes 10708
100 Wisconsin Car Insurance youcomparequotes 10327
99 Wisconsin Auto Insurance youcomparequotes 10413
98 West Virginia Car Insurance youcomparequotes 11332
97 West Virgina Auto Insurance youcomparequotes 10276
96 Washington, D.C. Car Insurance youcomparequotes 11922
95 Washington, D.C. Auto Insurance youcomparequotes 10963
94 Washington Car Insurance Quotes youcomparequotes 11442
93 Washington Auto Insurance Quotes youcomparequotes 11110
92 Virginia Car Insurance youcomparequotes 10771
91 Virginia Auto Insurance Quotes youcomparequotes 10789
90 Vermont Car Insurance youcomparequotes 13018
89 Vermont Auto Insurance youcomparequotes 10058
88 Utah Car Insurance youcomparequotes 10719
87 Utah Auto Insurance youcomparequotes 10532
86 Texas Car Insurance Quotes youcomparequotes 10764
85 Texas Auto Insurance Quotes youcomparequotes 10763
84 Tennessee Car Insurance youcomparequotes 10352
83 Tennessee Auto Insurance youcomparequotes 10980
82 South Dakota Car Insurance youcomparequotes 10645
81 South Dakota Auto Insurance youcomparequotes 9920
80 South Carolina Car Insurance youcomparequotes 10839
79 South Carolina Auto Insurance youcomparequotes 10716
78 Rhode Island Car Insurance youcomparequotes 10193
77 Rhode Island Auto Insurance youcomparequotes 10566
76 Pennsylvania Car Insurance Quotes youcomparequotes 10895
75 Pennsylvania Auto Insurance Quotes youcomparequotes 11375
74 Oregon Car Insurance Quotes youcomparequotes 11051
73 Oregon Auto Insurance Quotes youcomparequotes 10706
72 Oklahoma Car Insurance youcomparequotes 10752
71 Oklahoma Auto Insurance youcomparequotes 10717
70 Ohio Car Insurance Quotes youcomparequotes 10442
69 Ohio Auto Insurance Quotes youcomparequotes 10381
68 North Dakota Car Insurance youcomparequotes 10462
67 North Dakota Auto Insurance youcomparequotes 10858
66 North Carolina Car Insurance youcomparequotes 14147
65 North Carolina Auto Insurance youcomparequotes 11140
64 New York Car Insurance Quotes youcomparequotes 10379
63 New York Auto Insurance Quotes youcomparequotes 11302
62 New Mexico Car Insurance youcomparequotes 9836
61 New Mexico Auto Insurance youcomparequotes 9955
60 New Jersey Car Insurance youcomparequotes 10184
59 New Jersey Auto Insurance youcomparequotes 10323
58 New Hampshire Car Insurance youcomparequotes 11219
57 New Hampshire Auto Insurance youcomparequotes 10847
56 Nevada Car Insurance youcomparequotes 10557
55 Nevada Auto Insurance youcomparequotes 10590
54 Nebraska Car Insurance youcomparequotes 10234
53 Nebraska Auto Insurance youcomparequotes 11194
52 Montana Car Insurance youcomparequotes 10261
51 Montana Auto Insurance youcomparequotes 10419
50 Missouri Car Insurance youcomparequotes 10577
49 Missouri Auto Insurance youcomparequotes 10475
48 Mississippi Car Insurance youcomparequotes 10885
47 Mississippi Auto Insurance youcomparequotes 10760
46 Minnesota Car Insurance Quotes youcomparequotes 11022
45 Minnesota Auto Insurance Quotes and Information youcomparequotes 11119
44 Michigan Car Insurance youcomparequotes 10211
43 Michigan Auto Insurance youcomparequotes 9941
42 Massachusetts Works to Install Competitive Auto Insurance Market youcomparequotes 17231
41 Massachusetts Auto Insurance Reform youcomparequotes 11028
40 Maryland Car Insurance youcomparequotes 11220
39 Maryland Auto Insurance youcomparequotes 11238
38 Maine Auto Insurance youcomparequotes 10902
37 Louisiana Car Insurance youcomparequotes 11173
36 Louisiana Auto Insurance youcomparequotes 10550
» Kentucky Car Insurance youcomparequotes 10650
34 Kentucky Auto Insurance youcomparequotes 10362
33 Kansas Car Insurance youcomparequotes 10192
32 Kansas Auto Insurance youcomparequotes 10621
31 Iowa Car Insurance youcomparequotes 10476
30 Iowa Auto Insurance youcomparequotes 10488
29 Indiana Car Insurance youcomparequotes 10453
28 Indiana Auto Insurance youcomparequotes 10418
27 Illinois Car Insurance youcomparequotes 10435
26 Illinois Auto Insurance youcomparequotes 10082
25 Idaho Car Insurance youcomparequotes 10304
24 Idaho Auto Insurance youcomparequotes 10390
23 Hawaii Car Insurance youcomparequotes 10737
22 Hawaii Auto Insurance youcomparequotes 10824
21 Georgia Car Insurance youcomparequotes 10043
20 Georgia Auto Insurance Quotes youcomparequotes 10938
19 Florida Car Insurance Quotes youcomparequotes 11675
18 Florida Auto Insurance Quotes youcomparequotes 10378
17 Find Maine Car Insurance youcomparequotes 10346
16 Delaware Car Insurance youcomparequotes 10637
15 Delaware Auto Insurance youcomparequotes 10514
14 Connecticut Car Insurance youcomparequotes 10431
13 Connecticut Auto Insurance youcomparequotes 10250
12 Colorado Car Insurance Quotes youcomparequotes 10443
11 Colorado Auto Insurance youcomparequotes 9995
10 California Car Insurance Quotes youcomparequotes 10938
9 California Auto Insurance Quotes youcomparequotes 11075
8 Arkansas Car Insurance youcomparequotes 10381
7 Arkansas Auto Insurance youcomparequotes 10615
6 Arizona Car Insurance Quotes youcomparequotes 10570
5 Arizona Auto Insurance youcomparequotes 11003
4 Alaska Car Insurance youcomparequotes 10728
3 Alaska Auto Insurance youcomparequotes 11535
2 Alabama Car Insurance youcomparequotes 10224
1 Alabama Auto Insurance youcomparequotes 10749
XE Login