East Coast Auto Insurance offers top rated Kentucky auto insurance companies from Allstate to Geico and Progressive and 21st Century. We will help you find suitable coverage no matter what your driving history is. Call us now at 888-206-0565 for immediate assistance.
Uninsured/Underinsured Motorist Coverage is not mandatory in the state of Kentucky. Drivers have the right to waive this coverage, but it is highly recommended that you carry it. This is because Kentucky is a traditional ‘tort’ state, which means that if you are involved in an accident, and if it is legally deemed that the accident was your fault – you are legally liable to compensate the other driver/owner.
To register an automobile in the state of Kentucky you must provide the state with a copy of your liability insurance policy, proving you carry at least the minimum coverage mandated by the state:
- $25,000 bodily injury per person, per accident
- $50,000 bodily injury for two or more persons per accident
- $10,000 property damage
No fault coverage is available as an option; however it only provides up to $10,000 in total. The majority of drivers opt out of ‘no fault’ as it limits the driver’s ability to sue for additional damages.
Most insurance/legal experts will advise that these minimum requirements are insufficient should you be involved in an incident, especially with the probability of lawsuits that follow.
Kentucky DUI Laws
In 2007, the state of Kentucky reported 913 fatal car crashes. Of the 913 fatal car crashes, 255 (or 28%) were alcohol related. While alcohol-related car accidents are not as common in Kentucky as they are in states like Texas and Florida, the Kentucky Transportation Cabinet and law enforcement officials want to send a clear message to all Kentucky motorists: If you drink and drive, you will go to jail. Not only this, but if aggravating circumstances are present, such as speeding or an accident that results in injury or death, the penalties will be enhanced.
What is the blood alcohol content level (BAC) limit in the state of Kentucky?
In the state of Kentucky, it is a crime to operate a motor vehicle with a blood alcohol content level (BAC) of 0.08% or higher. Sentence enhancements exist for cases involving a BAC of 0.15% or higher.
Kentucky (KY) Teen Auto Insurance Laws, Rates & Requirements
In the state of Kentucky, teens represent 6% of all drivers on the road, yet they account for 20% of all persons injured in car accidents and 13% of all fatalities. What’s worse is, in 2007, more than 500 teens were involved in alcohol-related car crashes—12 were fatal. In response to the problems associated with teen driving, Kentucky now protects its teen’s drivers through the states Graduated Teen-Licensing Law.
What is the average auto insurance premium in this state? As of what year?
As of 2006, Kentucky resident’s average insurance premium was approximately $739, the 28th most expensive in the nation. This was down 1.5% from the previous year. The national average was $817.
Our trained agents at East Coast Auto, will review your data with care, customize appropriate coverage including comprehensive, collision, medical, insured/uninsured motorists and umbrella – insuring that you are fully protected in case of an accident.
Call us 888-206-0565 and find out what we can do for you.
These are some of the top rates companies we will place coverage with:
- Farmers
- State Farm
- 21st Century
- Geico
- Travelers
- AAA
- Liberty Mutual
- Zurich
- Allstate
- Nationwide
- Esurance
- Progressive