Kentucky Car Insurance

Residents, Cars & Insurance Information on The State of Kentucky

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Population and Drivers

Kentucky has a 4,380,415 total residents, 3,474,891 of those are 16 or over. 1,473,263 registred licensed male drivers, 49.35%, and 1,511,971 are licensed female drivers, 50.65%, which brings the total of drivers to 2,985,234.

Cars, Buses and Motorcycles:

1,533,919 cars are registred to drive on the roads of Kentucky. 1,517,753 private/commercial and 16,166 are publicly owned. 9,699 buses in total, 1,978 private/commercial and 7,721 are publicly owned.
As for motorcycles, there are total of 100,506 bikes, 100,506 registred private/commercial and 0 public property. Overall, there are approximatly 3,670,566 registred vehicles in Alabama.

Speed Limits

Cars are limited to 65 mph in urban areas and 65 mph in rural areas. Trucks are limited to 65 mph in urban roads and 65 mph in rural ones.

Auto Insurance Requirements

Driving in Kentucky mandate a 25/50/10 coverage:
Bodily Injury (BI) & Physical Damage Liability (PD) Liability, No-Fault Personal Injury Protection (PIP) at $25,000, $50,000, $10,000.

Uninsured Drivers

18.00% of Kentucky drivers are estimated to be driving uninsured according to Insurance Research Council on 2009. Which ranks Kentucky #8 among states where drivers take to the road without car insurance.

Bad and Worst Drivers - The Scores

When compared with other states, Kentucky scores 44 on fatalities per 100 miles, 51 on failure to obey traffic laws, 2 of drunk driving, 17 on tickets and 19 on careless driving. Overall, Kentucky ranks #24 for worst drivers.

Most Stolen Vehicles

1991 Toyota Camry is the most stolen car in Kentucky, according to a study from National Insurance Crime Bureau. Top 10 are:
1. 1991 Toyota Camry
2. 1994 Ford F150 Pickup
3. 1995 Jeep Cherokee/Grand Cherokee
4. 1997 Ford Taurus
5. 1999 Ford Explorer
6. 1986 Oldsmobile Cutlass
7. 1995 Ford Ranger
8. 1997 Dodge Ram Pickup
9. 1990 Chevrolet 4x2 Pickup
10. 1996 Honda Accord

Car Insurance Rates from Companies & Brokers in Kentucky

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Sample Kentucky auto insurance rates across various plans


Plan Highest Lowest Average
Monthly $1059.17 $35.83 $206.15
Biannually (6 Mths) $6355.00 $215.00 $1236.90
Yearly $12710.00 $430.00 $2473.79

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Monthly rates in Kentucky across all cities

Highest Monthy$1059.17

Lowest Monthly$35.83

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Annual rates in Kentucky across all cities

Highest Annual$12710.00

Lowest Annual$430.00

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