Kentucky Car Insurance [Everything You Need to Know]

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Kentucky Statistics SummaryDetails
Miles of Roadway79,727
Miles Driven in the State47,941 million
Registered Vehicles4,037,625
Population4,468,402
Most Popular VehicleFord F-150
Uninsured Motorist Rate11.5%
Total Driving-Related Deaths in 2018782
Speeding Fatalities in 2018138
DUI Fatalities in 2018181
Average Annual Car Insurance CostLiability: $529.21
Collision: $267.91
Comprehensive: $141.39

Home to the Louisville Slugger, the Kentucky Derby, and bourbon whiskey, the Bluegrass State has a lot to offer those who live there. If you’re a Kentucky resident and you’re planning to drive, you need car insurance.

With so many options, it can be hard to know what company is right for you, and with so many coverage choices, you might not be sure if you should stick to basic coverage or go with full. Don’t get overwhelmed!

We’ll walk you through the process and show you actual provider quotes and reviews so you can make an informed decision about insurance.

What’s covered in this article:

Enter your zip code into our free quote tool above to get started finding the best rate for the coverage you need.

Table of Contents

Kentucky Car Insurance Coverage and Rates

Are you tired of paying money to an insurance company without really understanding why? We’ll show you how that money is used. Most of it is used for good but unfortunately, some of it has to go to preventable problems, like fraud.

We’ll dive right in and show you exactly what coverage is required in Kentucky.

– Kentucky Minimum Coverage

To drive in Kentucky, you must have coverage at these levels: 25/50/25. To spell it out:

  • $25,000 – Bodily injury liability for one person
  • $50,000 – Bodily injury liability total for an accident
  • $25,000 – Property damage liability
  • $10,000 – Personal Injury Protection (PIP)

Alternatively, Kentucky residents can opt for a single-limit policy of $60,000.

Uninsured/underinsured motorist protection is required at the level of $25,000 per person and $50,000 per accident but can be rejected in writing.

Notice that the coverage required is for liability. The state-required liability coverage is known as basic coverage. If you cause an accident, your basic coverage will pay for the damage done to another party up to the limits of your policy.

If you want coverage for your own vehicle after you cause an accident or after storm damage, you’ll need to carry full coverage.

Full coverage costs more than basic coverage, and it’s not worth the extra cost in all cases. If you’re leasing or financing a car, you’ll almost certainly be required to carry full coverage. If you own your car outright, you can decide what is best.

Typically, experts recommend that if the extra cost for full coverage is 10 percent or less annually of your vehicle’s value, it’s a good idea to carry it.

At a certain point, your vehicle loses so much value, that the increased cost for full coverage is a waste of money.

Because Kentucky is a no-fault insurance state, residents must carry PIP coverage which pays for each party’s own medical costs and a portion of lost wages. So, why carry bodily injury liability if each party pays for their own medical costs?

If the injuries are severe and cost more than the PIP coverage, the injured party can sue the at-fault driver, in which case bodily injury liability coverage would kick in.

The minimum coverage is required on all vehicles even those driven seasonally. If you would like to avoid purchasing insurance year-round for a car you only drive in the summer, you’ll have to turn your plates into the DMV prior to canceling insurance during the off-season.

If you don’t, you can expect penalties for not being insured.

– Premiums As a Percentage of Income

The average percentage of income that a Kentucky resident pays for car insurance is shown next. Nationwide, the average is 2.4 percent, so you can see that Kentucky residents pay a bit over the national average.

TypeRates
Annual Full Coverage
Average Premiums
$917.49
Average Premiums$76.46
Annual Per Capita Disposable Personal Income$33,237.00
Monthly Per Capita Disposable Personal Income$2,769.75
Percentage of Income2.76%

– Core Coverage

Coverage TypeKentucky AverageNationwide Average
Liability$529.21$538.73
Collision$267.91$322.61
Comprehensive$141.39$148.04

– Additional Liability

If you cause a major accident resulting in a vehicle being declared a total loss and injuries to persons requiring extended hospitalization and rehabilitation, the minimum liability limits required in Kentucky won’t be sufficient.

If you have assets or are planning for future assets that you would like to protect, please consider increasing your liability limits.

The minimum limits of personal injury protection required in Kentucky will pay 80 percent of your lost wages following an accident for a maximum of $200 per week.

You might consider higher limits for that as well, especially if you need to protect your income and you make considerably more than $200 a week.

One way to help you see how the insurance industry as a whole is doing is to check out loss ratios. The rates consumers pay in premiums compared to the amount that insurers pay in claims gives us the loss ratio.

Insurance companies need extra money for overhead, but a low loss ratio indicates the companies are spending too much money on overhead while too high of a loss ratio indicates they may not be charging high enough premiums to stay solvent.

Type of InsuranceKentucky loss ratioCountrywide average loss ratio
Uninsured/Underinsured Motorist Coverage71.2767.33
Personal Injury Protection75.0469.41

The overall numbers for Uninsured/Underinsured Motorist Coverage and Personal Injury Protection in Kentucky are pretty healthy.

When considering the addition of Uninsured/Underinsured Motorist Coverage, keep in mind that 11.5 percent of motorists in Kentucky are uninsured. If one of them causes an accident involving you, you’ll likely be out of luck in terms of getting compensated.

Having the added coverage for Uninsured/Underinsured motorists is one of the best supplemental protections to get. Other supplemental coverage types to consider are as follows:

Pay-as-you-drive coverage is becoming increasingly popular from companies such as Metromile. So far, such coverage is not available in Kentucky, but as its popularity grows, you might want to check back in a couple years.

Drivers who put on less than 5,000 miles annually can save big with a pay-by-the-mile plan.

Usage-based coverage is a broader type of plan. Several companies offer plans with the option to install a telemetric device to monitor driving habits. Good driving habits will yield lower premiums.

Root Insurance only offers an app-based, driving-based plan.

If you’re willing to let your driving be monitored, you may be able to find solid savings with usage-based plans.

Male Vs. Female Rates in Kentucky

We gathered car insurance quotes for two hypothetical 25-year-olds. The two people we created had identical driving histories, education, and employment. The only difference between them was that one was male and the other female.

Like most places in the U.S., males end up paying slightly less for coverage. This discrepancy is based on the actuarial analysis done by insurance companies that place a slightly heavier risk on females.

With insurance, the more risk you present, the more money you have to pay.

Company25-Year-Old Male Monthly Premium25-Year-Old Female Monthly Premium
GEICO$55.49$63.63
Progressive$75.37$80.06

Curious what a similar study reveals for 55-year-olds? We’ll answer that next.

CompanyMale 55-Year-Old Monthly PremiumFemale 55-Year-Old Monthly Premium
GEICO$158.15$186.67
Progressive$58.4
$62.19

While these tables highlight the difference paid by men and women, please also compare the overall rates between GEICO and Progressive. You can see how comparing quotes could save you money in your monthly premiums. A company that has great rates for one person, might not for another.

You have to compare for yourself.

Cheapest Kentucky Car Insurance by City

Average Car Insurance Rate Kentucky Cities

You can see that Pikeville and Louisville have much higher rates than Kentucky’s other biggest cities.

Kentucky Car Insurance Companies

There are a lot of companies to choose from. It can be hard to find the right one for you but don’t worry, we’ll help you know what steps to take to find the best company for your needs.

We’ll show you financial ratings, complaint information, and customer satisfaction information.

First up, financial ratings.

– Financial Rating

AM Best is an independent rating agency. They examine the financial standing of insurance companies and predict how they’ll do in the future. A good grade and a stable outlook indicate the company will remain solvent and able to pay claims.

CompanyGrade
State Farm GroupA++
Kentucky Farm Bureau GroupA
Progressive GroupA+
GEICOA++
Liberty Mutual GroupA
Allstate Insurance GroupA+
USAA GroupA++
Nationwide Corp GroupA+
Shelter Insurance GroupA
State Auto Mutual GroupA-

All of the largest companies in Kentucky have good grades and stable outlooks, so if you go with one of these, the odds are favorable that your insurer will remain solvent and able to pay your claims. To check the rating of another company, go to the AM Best website.

– Consumer Ratings

What AM Best provides for financial ratings, J.D. Power provides for consumer ratings. Overall customer satisfaction will give you an idea of how your interaction with your insurance company will be.

JD Power 2018 Auto Insurance Study Southeast Region

Consumer reports is another valuable resource for consumer ratings.

– Company Complaints

Complaint ratio for Kentucky's largest insurers

The complaint ratio is the number of complaints per $1 million of premiums received. Larger companies will have more complaints than smaller companies because of how many more customers they have. That’s why the complaint ratio matters more than simply the number of complaints.

– Rates by Company

The prices listed below are annual premiums for a 32-year-old married man.

Cheapest CompaniesRatesMost Expensive CompaniesRates
Privilege Underwriters Reciprocal Exchange
$672.13Nationwide General Insurance Company
$3,539.75
American Select Insurance Company
$874.75Nationwide Property and Casualty Insurance Company
$3,522.50
United Services Automobile Association
$912.75Trexis One Insurance Corporation
$3,431.50
Erie Insurance Exchange
$946.88Encompass Insurance Company of America
$3,185.88
USAA Casualty Insurance Company
$952.75Amica Property and Casualty Insurance Company
$3,178.38
Auto-Owners Insurance Company
$958.63Permanent General Assurance Corporation of Ohio
$3,134.00
GEICO General Insurance Company
$1,081.50Trexis Insurance Corporation
$3,110.25
Government Employees Insurance Company
$1,081.50Nationwide Mutual Insurance Company
$3,100.88
State Farm Mutual Automobile Insurance Company
$1,104.50Encompass Indemnity Company
$3,068.00
AIG Property Casualty Company
$1,133.38American Hallmark Insurance Company of Texas
$2,803.88

Here are the cheapest companies for a 23-year-old female:

Cheapest Car Insurers for 23-year-old female in Kentucky

Kentucky's cheapest insurers for 45-year-old divorced male

It’s plain to see that each example person gets different quotes. What’s right for a 23-year-old female isn’t always going to be best for a 45-year-old male. So, whatever your age, marital status, and driving history, you need to compare quotes for yourself.

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– Largest Car Insurance Companies in Kentucky

Largest car insurers in Kentucky by market share

Company NameDirect Premiums WrittenLoss RatioMarket Share
State Farm Group$714,96465.70%23.59%
Kentucky Farm Bureau Group$566,60375.94%18.70%
Progressive Group$240,00058.90%7.92%
GEICO$212,46874.56%7.01%
Liberty Mutual Group$206,82259.60%6.82%
Allstate Insurance Group$190,42250.09%6.28%
USAA Group$152,25976.42%5.02%
Nationwide Corp Group$88,33157.90%2.91%
Shelter Insurance Group$57,75363.96%1.91%
State Auto Mutual Group$56,05672.38%1.85%
State Total$3,030,46367.00%100.00%

There are 900 foreign insurance companies licensed in Kentucky and seven domestic insurers.

Kentucky Laws

The type of driver you are has a big impact on your premiums. Knowing the laws can help you follow the laws. Have you looked at a codebook lately? There are a lot of laws! You won’t be able to memorize all of them, but we’ll point out some of the most important laws related to driving.

We’ll start by examining how Kentucky makes car insurance laws, and then we’ll get into the rules of the road.

– Car Insurance Laws

Insurers in Kentucky don’t have free reign to charge whatever they want. If the rate jumps up or down by 25 percent or more, prior approval must be given. Forms for prior approval must be filed no less than 60 days before delivery. The Commissioner may extend 30 days with notice.

– High-Risk Insurance

If you’ve had your license suspended for committing a major traffic offense, you may be considered a high-risk insurance customer. In many states, the insurance company for a high-risk driver is required to file a proof of future financial responsibility such as an SR-22.

Kentucky does not require such a filing. The high-risk individual is still required to purchase insurance, they just don’t have to file additional paperwork.

If you’re unable to find insurance from the general market, you may need to look into the Kentucky Automobile Insurance Plan (KAIP). This plan offers basic liability insurance to people denied coverage from the voluntary market.

– Windshield Coverage

Kentucky law requires insurance to provide deductible- and fee-free windshield replacement for customers carrying comprehensive coverage. It’s one of the few states that stipulates this. That’s great news if you have comprehensive coverage and need a new windshield.

Aftermarket parts may be used. If the consumer prefers factory parts, he or she may be required to pay the difference in cost.

– Insurance Fraud

In this hilarious video, you see a guy “falling” in order to make an insurance claim. Thankfully, this company had security cameras and the footage from the rather obvious fake fall has been used to charge him with insurance fraud.

Unfortunately, most who commit insurance fraud are usually not so easy to catch.

Insurance fraud matters because it drives your premiums up. There’s soft fraud and hard fraud. Soft fraud is the “white lies” in insurance. If you’ve stretched the truth about how many miles you drive or where you park your car, you’re guilty of soft fraud.

Hard fraud is deliberately lying to an insurance company by falsifying claims or staging accidents (like in the video above).

The National Insurance Crime Bureau estimates the average person pays $200-$300 extra in car insurance premiums each year thanks to fraud.

Committing insurance fraud in Kentucky is a crime and the state has formed a fraud bureau whose sole job is to investigate insurance fraud. Also, insurers are mandated to have a fraud plan.

Kentucky’s Department of Insurance Fraud Division has been cracking down on those who commit fraud and ordered over $3 million in restitution in 2016. They publish monthly reports with the names of the offenders and the amount of money ordered for restitution.

Those who suspect insurance fraud are welcome to submit a report to the state.

– Statute of Limitations

After an accident, you have a specific amount of time to file a claim. Past that timeframe, you are totally out of luck. There’s no reason to wait to file a claim, just do it right away.

  • Property Damage – Two years
  • Personal Injury – One year

– Vehicle Licensing Laws

If you don’t have your vehicle registered and insured, you’re going to get into trouble. The state legislature has mandated a crackdown on those who drive uninsured.

Penalties for Driving Without Insurance

PenaltyFirst OffenseSecond Offense in Five Years
Fine$500-$1000$1000-$2000
ImprisonmentUp to 90 days (imprisonment may be in place of or in addition to the fine)Up to 180 days (imprisonment may be in place of or in addition to the fine)
RegistrationRegistration will be revoked and license plates suspended for one year or until proof of insurance can be shownRegistration will be revoked and license plates suspended for one year or until proof of insurance can be shown

Law enforcement may access information regarding your car’s insurance through AVIS. If you purchased insurance within the past 45 days and it’s not reflected in AVIS, you may show your insurance card (paper or electronic) as proof of insurance.

Vehicles registered in Kentucky must be insured by a company licensed to sell insurance in the state even if they’re not being driven. The only exceptions to this are as follows:

  • You may cancel insurance if you’ve already turned the vehicle’s plates into the County Clerk’s Office
  • You may cancel insurance if you’re a college student and have insurance licensed in the state where you’re from or where you’re attending
  • Active duty military may stay with insurance from another state
  • People temporarily working out of state may purchase insurance in the state where they are working

Teen Driver Laws

RestrictionsPermitIntermediate LicenseUnrestricted License
AgeMinimum age 16After having a permit for six months (minimum age 16 years six months). If convicted of a traffic offense, the teen must begin the six month period againAfter holding an intermediate license for six months (minimum age 17) or age 18
Hours of DrivingMinimum 60 hours 10 of which must be at nightMust have completed the permit requirementMust have completed the permit requirement
TimeCannot drive between 12:00 A.M. and 6:00 A.M without good causeCannot drive between 12:00 A.M. and 6:00 A.M without good causeNo restrictions
PassengerOne unrelated passenger under 20 years old limit except when supervised by a driving training instructorOne unrelated passenger under 20 years old limit except when supervised by a driving training instructorNo restrictions

Out-of-state permit holders must be 16 years old to drive in Kentucky.

Kentucky has a zero-tolerance law for alcohol and drivers under 21 years of age.  Drivers under 21 may not drive with a blood alcohol content at or above 0.02 percent.

Driving privileges may be suspended for a driver under 18 who accumulates more than six points and a driver over 18 who accumulates 12 or more points.

Kentucky students who are 16 and 17 years old who wish to drive must obtain a School Compliance Verification Form. If a student drops out of high school or receives non-passing grades, he or she will not be allowed driving privileges.

– Vehicle Registration Procedures

When renewing your license in person, be prepared with the following items:

You may also renew online if all of the following points apply to your situation, according to the state of Kentucky website:

  • list of eligible plates is available online.
  • Vehicles registered in separate counties to the current owner must be renewed separately.
  • Leased vehicles cannot be renewed online.
  • The vehicle(s) renewed must have unexpired registration(s).
  • The owner of the vehicle(s) cannot have overdue property taxes on any other vehicles they own.
  • The vehicle(s) must be insured for at least 45 days with the same insurance company for database verification.

– License Renewal Procedures

Previously, Kentucky driver’s licenses needed to be renewed every four years, the time between renewals has been increased to eight years.

Anyone wishing to renew their license must do so in person. The only exception is for military personnel who may renew by mail.

– New Residents

New residents need to be aware of the following guidelines:

  • New residents in Kentucky have 30 days to get a Kentucky license.
  • To get a license, you must be a U.S. citizen or permanent resident.
  • You will need to bring your out-of-state license and social security card to the Circuit Court Clerk’s office (photocopies are not accepted). If your name is different than that on your birth certificate, you may need to show a marriage license or court-ordered name change.
  • Those under age 18 must present a School Compliance Verification Form signed by the out-of-state school.
  • Out-of-state permit holders must transfer their permit to Kentucky before applying for a license.

– College Students

A college student may drive on their valid out-of-state license and is not required to transfer that license to Kentucky if:

  • They are a citizen of the United States;
  • They are enrolled as a full-time or part-time student at a university, college, or technical college located in Kentucky; and
  • They must have a student identification card from the university, college, or technical college located in Kentucky in their immediate possession at all times when driving in Kentucky.

– Real ID

Kentucky is working to get Real ID compliant. If you have a standard Kentucky driver’s license as your only form of ID, you won’t be able to fly after October 2020. Between March and May 2019, the state will roll out licenses, permits, and personal IDs which are Real ID compliant.

You can still opt for a standard driver’s license, but remember it won’t be enough for you to fly domestically after October 2020.

– Kentucky Points System

Points on your license stay for two years from the date of conviction – not the date of the infraction.

Infractions stay on your record for five years, but the points come off after two. Insurance companies have access to three years of your driving infractions.

Accumulating 12 points in two years may result in a license suspension. For those under 18, accumulating seven points may result in a license suspension.

3 Point Offenses3 Point Offenses4 Point Offenses5 Point Offenses6 Point OffensesHearing-possible suspension
Careless driving11-15 mph over speed limit on limited access highwayReckless drivingImproper passing16-25 mph over speed limit on any road or highway26 mph over speed limit on any road or highway
Improper lane usage15 mph or less over speed limit on any non-limited access highwayFollowing too closeFailure to stop for church or school busAttempting to elude police officer
Improper use of left lane/limited access highwayFailure to yieldDriving on wrong side of roadwayCommitting a moving hazardous violation involving an incidentRacing
Failure to illuminate headlights or failure to dim headlightsFailure to yield right-of-way to funeral processionChanging drivers in a motor vehicleCommitting two or more moving hazardous violations in any continuous occurrence
Failure to comply with Instructional Permit requirementsStop violation (traffic signal, railroad crossing, stop sign)Vehicle not under control
Any other moving hazardous violationWrong way on a one-way streetFailure to yield to emergency vehicle
Texting while drivingToo fast or too slow for road conditions
Improper driving, improper start, or improper turn

If your infraction was for 10 mph or less over the speed limit on a limited access highway, the points are zero.

– Rules of the Road

Next up: driving laws you need to know about. We’ll cover everything from headlights to DUIs.

– Fault vs No-Fault

Kentucky is a choice no-fault state. Drivers may opt out of no-fault coverage (PIP) in writing. If you don’t opt out, you must purchase PIP coverage and each party must pay for their own medical bills following an accident regardless of who is at fault.

The victim may sue the at-fault party if the medical costs exceed $1,000 or if the accident caused the claimant’s permanent disfigurement, fracture of a weight-bearing bone; compound, compressed, or displaced fracture of any bone; any permanent injury, or any permanent loss of a body function.

For minor accidents, your own PIP coverage will pay for your medical expenses and a portion of your lost wages.

The at-fault party will still be responsible for property damage.

– Keep Right and Move Over Laws

Have you ever been on a four-lane (or more) highway and even though there’s no heavy traffic, you’re stuck going under the speed limit because some idiot is just lolly-gagging in the left lane and totally impeding the flow of traffic? Yeah, it’s frustrating! But guess what…it’s also illegal!

In Kentucky, you must drive in the right lane unless you are passing or turning left. Now, if everyone would just abide by that, it would sure open up the roadways!

As for “move over” laws, in Kentucky, the require motorists to move to the lane not adjacent an emergency vehicle if safe and possible to do so. If impossible or unsafe to do so, the law requires motorists to slow down and use caution while passing emergency vehicles.

– Headlight Law

Headlights can only be white, and this restriction applies to cars registered in other states that are traveling through Kentucky. Not only does the bulb have to be white, but there cannot be a colored film or tint put on the headlights.

– Sharing the Roadway

Bicyclists and motorists don’t always get along in perfect harmony. A new law in Kentucky requires vehicles to stay at least three feet from bicycles when passing. Motorists may cross a double line to safely pass a bicyclist if safe to do so.

Speed Limits

Road TypeSpeed Limits
Rural Interstates65; 70 on specified segments of road
Urban Interstates65
Other Limited Access Roads65
Other Roads55

– Seatbelt and Car Seat Laws

Kentucky's Child Safety LawsFinesCar SeatAdult BeltAdditional Fines
Who is covered?
In what seats?
Maximum base fine 1st offense, additional fees may applyMust be in
child safety seat
Adult belt permissibleMaximum base fine 1st offense, additional fees may apply
7 and younger and more than 57 inches in all seats; 8+ in all seats$2540 inches or less in a child restraint; 7 and younger who are between 40 and 57 inches tall in a booster seattaller than 57 inches$50 child restraint; $30 booster seat

The Kentucky Transporation Cabinet reminds caregivers that,

Best practice…[is] to keep children under 57 inches riding in a booster until they meet the height requirement, regardless of age.

Seatbelt and car seat violations are primary offenses in Kentucky. You can be pulled over for just that violation. In states where it’s a secondary offense, you can be ticketed for it but there has to be another reason to be pulled over by law enforcement.

If you’re curious whether or not you can ride in the cargo area of a pickup truck, you can. It’s not safe, but there aren’t any laws against it in Kentucky.

– Ridesharing

There are several companies that offer ridesharing insurance in Kentucky.

Kentucky residents can participate in a ridesharing program called “Slugging.” Drivers pick up passengers (slugs) who have the same destination as themselves. Money is not exchanged. The slug gets a ride while the driver gets to travel in the HOV lane.

Standard ridesharing services such as Uber and Lyft have rules to abide by. They have to:

  •  Apply to operate in Kentucky
  • Renew applications each year
  • Carry one million dollars insurance while transporting passengers
  • Be insured while waiting for customers

– Automation on the Road

According to the Insurance Institute for Highway Safety, Kentucky has “regulated platooning technology, which allows groups of individual trucks or buses to travel together with set distances between them at electronically coordinated speeds.”

While Kentucky hasn’t passed legislation governing autonomous vehicles, lawmakers focused on future planning are looking into how to embrace autonomous technology wisely.

– Safety Laws

Driving is a serious task. To be a safe driver, you cannot be under the influence of drugs alcohol. Here’s how Kentucky cracks down on impaired driving.

– DUI Laws

Bourbon whiskey and Kentucky – a match made in heaven. When you live in the state that produces 95 percent of the world’s bourbon, you’re probably going to have access to some fabulous distilleries. Even so, there are 39 dry counties in the state prohibiting the sale of alcohol.

In Louisville, alcohol can be served from 6:00 am until 4:00 am Monday through Saturday and 1:00 pm through 4:00 am on Sundays. The rest of the state closes down alcohol service at 2:00 am.

In Kentucky, a DUI includes driving under the influence of the following substances which impair driving ability:

  • alcohol
  • over-the-counter medication
  • prescription drugs
  • illegal drugs
  • inhalants

The first three offenses within ten years are considered misdemeanors while the fourth and subsequent offenses within 10 years are considered felonies.

Penalty First OffenseSecond OffenseThird OffenseFourth Offense
Suspended License30-120 days12-18 months24-36 months60 months
Imprisonment2-30 days7 days-6 months30 days-12 monthsMinimum 120 days without probation
Fine$200-$500$350-$500$500-$1000n/a
Program Attendance90 days of alcohol or substance abuse program1 year alcohol or substance abuse treatment1 year alcohol or substance abuse treatment1 year alcohol or substance abuse treatment
Community ServicePossible 48 hours-30 days of community labor10 days-6 months community labor10 days-12 months community laborn/a
Mandatory Ignition Interlock DeviceNo (Yes if BAC is over 0.15)YesYesYes

Kentucky has harsher penalties for high blood alcohol concentration (BAC) of 0.15 percent or greater. Statistics prove that the risk of being involved in a crash raises greatly. At 0.15 percent BAC, you’re over 1000 percent more likely to be in an accident than when you’re sober.

– Distracted Driving Laws

Drivers under 18 years old may not use a handheld electronic device, like a cell phone while driving. If you’re over 18, you can talk on a cell phone, but you are banned from texting.

Texting and driving is a primary offense in Kentucky, so you can be pulled over just for that violation.

Kentucky Can’t-Miss Facts

You may be interested in the statistics related to driving in Kentucky, but there’s a lot of data to sift through to find what’s relevant. We’ll help you out and show you some of the most interesting information from vehicle thefts to fatalities to EMS response times to commute times right here in one place.

– Vehicle Theft in Kentucky

Chevy pickup trucks are popular with Kentucky car thieves. Check out the other popular models:

– Vehicle Theft by City

Urban areas have a higher population density than rural areas, and as a result of more people, they have more crimes. It’s not a surprise that Kentucky’s largest city, Louisville, has the highest number of stolen vehicles.

CityMotor Vehicle Thefts
Louisville Metro2,025
Lexington831
Covington158
Bowling Green125
Owensboro106
Shively77
Florence73
Frankfort59
Henderson59
Newport56

– Risky and Harmful Behavior

Driving is a convenience that is hard to live without, but please don’t forget the risk involved. Don’t become a statistic. Drive carefully!

– Fatality Rates by City

City/AreaTotal Killed (Pedestrian and Vehicle Occupants)Fatality Rate per 100,000 Population
Louisville/Jefferson County Metro8714.12%
Lexington-Fayette Urban County5015.7%

– Traffic Fatalities by County

County20132014201520162017
Jefferson County88788599107
Fayette County1828275035
Warren County1817132326
Boone County95151419
Laurel County131081118
Kenton County5917917
Hardin County2016221616
Nelson County85151314
Muhlenberg County622612
Pike County2021141612
Top Ten Counties223220246284276
All Other Counties415452515550506
All Counties638672761834782

– Traffic Fatalities Rural vs. Urban

Type of Roadway20132014201520162017
Rural494517593607510
Urban144155168226271

– Fatalities by Person Type

Occupant/Non-Occupant20132014201520162017
Passenger Car269278314353326
Light Truck - Pickup92115120116126
Light Truck - Utility8484998890
Light Truck - Van2021253232
Large Truck10991610
Other/Unknown Occupants1517242315
Light Truck - Other00001
Total Occupants490524591628600
Total Motorcyclists87869111190
Pedestrian5557678183
Bicyclist and Other Cyclist34797
Other/Unknown Nonoccupants31552
Total Nonoccupants6162799592
Grand Total638672761834782

– Fatalities by Crash Type

Crash Type20132014201520162017
Total Fatalities (All Crashes)*638672761834782
Single Vehicle355395400451413
Involving a Large Truck78688110089
Involving Speeding125125140138138
Involving a Rollover157200229216203
Involving a Roadway Departure410456499529472
Involving an Intersection (or Intersection Related)116119122152179

– Fatalities Involving Speeding by County

County NameFatalities Per 100K Population 201520162017County Name201520162017
Lyon County12.0312.3724.75Pulaski County1.573.121.55
Gallatin County0.000.0022.79Allen County4.849.650.00
Carlisle County0.000.0020.64Anderson County0.000.000.00
Owen County0.0018.7618.58Bath County16.400.000.00
Edmonson County0.000.0016.36Boyd County6.180.000.00
Magoffin County7.837.8915.95Bracken County12.080.000.00
Cumberland County0.000.0014.91Breckinridge County5.010.000.00
Nicholas County0.0014.1614.03Campbell County1.096.520.00
Trigg County7.030.0013.85Carroll County0.000.000.00
Floyd County2.660.0013.79Christian County4.105.580.00
Ballard County0.000.0012.44Clay County9.534.830.00
Lincoln County0.000.0012.27Crittenden County0.0010.910.00
Rockcastle County5.915.9311.98Elliott County0.000.000.00
Trimble County0.000.0011.68Estill County0.000.000.00
Bell County0.000.0011.15Fleming County0.006.890.00
Whitley County13.855.5411.05Fulton County0.000.000.00
Mclean County0.0021.4110.87Garrard County0.000.000.00
Adair County5.180.0010.26Grant County4.040.000.00
Clinton County0.000.009.73Graves County13.455.380.00
Leslie County0.000.009.68Green County0.000.000.00
Nelson County11.096.598.76Greenup County0.002.790.00
Washington County8.330.008.25Hancock County0.0011.450.00
Caldwell County7.840.007.91Harlan County0.003.700.00
Taylor County7.810.007.85Harrison County0.005.380.00
Butler County0.000.007.79Hart County10.8716.190.00
Breathitt County0.007.587.72Henderson County2.162.160.00
Perry County3.6614.727.53Henry County6.420.000.00
Lewis County14.7222.267.50Hickman County0.000.000.00
Jackson County0.000.007.45Johnson County4.320.000.00
Carter County10.933.677.37Kenton County2.440.000.00
Casey County0.000.006.35Knott County0.000.000.00
Mason County0.005.835.82Knox County9.553.190.00
Clark County0.002.795.55Larue County0.000.000.00
Spencer County0.005.485.40Lawrence County0.000.000.00
Marion County5.215.225.16Lee County0.000.000.00
Bourbon County24.889.974.99Letcher County0.004.400.00
Laurel County1.673.334.99Livingston County10.7621.700.00
Barren County2.300.004.57Logan County0.000.000.00
Rowan County4.064.104.08Martin County0.000.000.00
Daviess County2.014.013.99Mccreary County11.190.000.00
Franklin County0.000.003.96Menifee County0.000.000.00
Grayson County0.003.833.79Mercer County0.004.670.00
Bullitt County3.812.523.74Metcalfe County0.000.000.00
Jefferson County1.702.743.63Monroe County0.000.000.00
Montgomery County3.630.003.58Morgan County0.000.000.00
Meade County14.413.573.55Muhlenberg County0.006.440.00
Pike County6.473.313.40Ohio County0.004.130.00
Boyle County6.730.003.34Oldham County0.000.000.00
Marshall County3.223.203.19Owsley County0.000.000.00
Mccracken County7.703.063.06Pendleton County0.000.000.00
Calloway County0.005.162.57Powell County8.178.130.00
Fayette County0.953.452.48Robertson County0.000.000.00
Warren County0.003.172.33Russell County5.660.000.00
Boone County2.353.102.29Simpson County5.595.560.00
Hopkins County8.686.562.20Todd County16.100.000.00
Madison County3.403.352.19Union County0.0020.280.00
Shelby County0.000.002.11Wayne County29.129.640.00
Jessamine County0.003.831.87Webster County0.000.000.00
Hardin County4.710.941.85Wolfe County13.8013.860.00
Scott County3.840.001.82Woodford County7.750.000.00

– Fatalities Involving an Alcohol-Impaired Driver by County

County Name201520162017County Name201520162017
Lyon County202Jefferson County272026
Owen County112Muhlenberg County011
Mccreary County113Marshall County011
Fulton County101Warren County244
Adair County013Christian County252
Jackson County012Greenup County101
Trigg County012Clark County201
Pendleton County002Floyd County321
Elliott County001Calloway County031
Casey County222Boone County153
Rowan County023Barren County211
Trimble County001Madison County642
Laurel County217Nelson County521
Russell County112Shelby County141
Simpson County102Hardin County511
Mclean County101Anderson County010
Meade County443Ballard County000
Bourbon County012Bracken County200
Allen County232Breckinridge County100
Mercer County102Butler County010
Green County101Caldwell County000
Letcher County002Carlisle County000
Martin County101Carroll County100
Washington County211Clinton County000
Edmonson County001Crittenden County100
Lincoln County302Cumberland County100
Todd County201Gallatin County210
Bath County211Garrard County200
Magoffin County011Grant County100
Franklin County004Hancock County000
Breathitt County011Harlan County110
Grayson County422Harrison County000
Morgan County001Hart County250
Bell County312Henderson County200
Carter County312Hickman County000
Larue County001Jessamine County230
Estill County101Johnson County000
Fleming County031Knox County200
Union County041Lee County000
Boyle County102Leslie County000
Knott County021Lewis County230
Lawrence County001Livingston County300
Henry County021Logan County000
Rockcastle County001Marion County120
Mason County001Mccracken County200
Whitley County352Menifee County030
Spencer County101Metcalfe County010
Graves County452Monroe County100
Pike County623Montgomery County200
Bullitt County334Nicholas County000
Daviess County045Oldham County010
Clay County401Owsley County120
Pulaski County333Powell County110
Hopkins County002Robertson County000
Campbell County434Scott County220
Kenton County617Taylor County100
Boyd County002Wayne County110
Ohio County011Webster County200
Perry County361Wolfe County120
Fayette County81312Woodford County110

– Teen Drinking and Driving

In 2016, law enforcement in Kentucky made 66 arrests for drunk driving by individuals under 18 years old. Since Kentucky has just over a million residents under 18, that puts the arrests per million people at 65.31.

The national average for under 21 alcohol-impaired driving fatalities per 100.000 population is 1.2. Kentucky comes in under that average at 0.9.

– EMS Response Time Rural Vs. Urban

Population DensityTime of Crash to EMS
Notification
EMS Notification to
EMS Arrival
EMS Arrival at Scene
to Hospital Arrival
Time of Crash to Hospital
Arrival
Urban41237.5649.51
Rural4.211.5837.5649.51

– Transportation

The average Kentucky household has two cars. Most drive themselves to work and the average commute time is 22.4 minutes compared to the 25.3-minute average countrywide. Public transportation isn’t a huge factor in the average Kentucky resident’s commute.

Here’s how car ownership compares with the rest of the U.S. Kentucky is represented by orange, and the U.S. average is represented by gray.

– Car Ownership

– Commute Time

– Commuter Transportation

– Traffic Congestion

While the Louisville and Lexington metro areas definitely have some traffic congestion, at least it’s not like Los Angeles! If you’re sitting in traffic in Kentucky, getting aggravated with those around you, just remind yourself of that.

CityHours spent in congestionPercent spent in congestion - PEAKPercent spent in congestion - DAYTIMEPercent spent in congestion - OVERALL
Louisville1910%6%6%
Lexington1710%6%6%

Now, with all this information, you can consider yourself an informed driver!

Remember, as a driver, car insurance is vitally important. You shouldn’t overpay for the coverage you need, though. Enter your zip code into our free tool below to compare rates and find the coverage that’s right for you!

References:
  1. https://drive.ky.gov/Motor-Vehicle-Licensing/Pages/Mandatory-Insurance.aspx
  2. http://www.mikeschaferlaw.com/library/No_Fault_Insurance__Basic_Reparation_Benefits.pdf
  3. https://www.iii.org/fact-statistic/facts-statistics-uninsured-motorists
  4. https://www.joinroot.com/
  5. http://www.ambest.com/home/default.aspx
  6. https://www.consumerreports.org/cro/index.htm
  7. https://www.naic.org/prod_serv/AUT-PB-14.pdf
  8. http://insurance.ky.gov/static_info.aspx?static_id=11&Div_id=2
  9. https://kyinsplans.org/auto/
  10. http://insurance.ky.gov/laws.aspx
  11. https://www.cbsnews.com/news/new-jersey-man-charged-after-video-shows-him-allegedly-faking-slip-and-fall-at-work/
  12. https://www.foxbusiness.com/features/the-true-cost-of-auto-insurance-fraud-how-we-all-pay-in-increased-premiums
  13. https://www.insurancebusinessmag.com/us/news/breaking-news/kentuckys-insurance-fraud-division-sees-restitution-payments-rise-by-800-40116.aspx
  14. http://insurance.ky.gov/Home.aspx?Div_ID=10
  15. http://insurance.ky.gov/static_info.aspx?static_id=2
  16. http://www.lrc.ky.gov/Statutes/statute.aspx?id=45512
  17. http://www.lrc.ky.gov/statutes/statute.aspx?id=30285
  18. https://drive.ky.gov/driver-licensing/Pages/No-Pass-No-Drive.aspx
  19. https://drive.ky.gov/motor-vehicle-licensing/Pages/Vehicle-Registration-and-Renewal.aspx
  20. https://drive.ky.gov/motor-vehicle-licensing/Pages/Mandatory-Insurance.aspx
  21. https://drive.ky.gov/Pages/County-clerks.aspx
  22. https://secure.kentucky.gov/kytc/plates/web/
  23. https://drive.ky.gov/driver-licensing/Pages/Drivers-License-and-ID-Card.aspx
  24. https://drive.ky.gov/confidentKY/Pages/default.aspx
  25. https://transportation.ky.gov/HighwaySafety/Documents/PointSystem.pdf
  26. https://www.nolo.com/legal-encyclopedia/kentucky-no-fault-car-insurance.html
  27. http://kslegislature.org/li_2012/b2011_12/statute/008_000_0000_chapter/008_015_0000_article/008_015_0014_section/008_015_0014_k/
  28. https://kentuckystatepolice.org/hq-7-26-18-3/
  29. https://www.wpsdlocal6.com/2017/06/26/new-kentucky-law-restricts-headlight-color/
  30. https://www.kentucky.com/news/state/article214752740.html
  31. https://www.iihs.org/iihs/topics/laws/speedlimits
  32. https://transportation.ky.gov/HighwaySafety/Pages/ChildPassengerSafetyInformation.aspx
  33. https://www.iihs.org/iihs/topics/laws/safetybeltuse?topicName=safety-belts
  34. https://www.geico.com/information/aboutinsurance/rideshare/faq/#where_is_rideshare_insurance_available
  35. https://www.allstatenewsroom.com/news/allstate-makes-ride-hailing-coverage-available-in-more-states/
  36. https://therideshareguy.com/?s=kentucky
  37. https://transportation.ky.gov/Congestion-Toolbox/Pages/Carpooling-Vanpooling-and-Slugging.aspx
  38. https://www.wdrb.com/news/kentucky-joins-other-states-with-rules-for-uber-lyft/article_dc3e46a5-0ff6-5b6b-9242-71dbaa9b2a1e.html
  39. https://www.iihs.org/iihs/topics/laws/driving-automation
  40. https://louisvilleky.gov/government/advanced-planning/autonomous-vehicle-playbook
  41. https://www.tripsavvy.com/kentucky-liquor-laws-2236994
  42. https://www.kentucky.com/news/politics-government/article44371632.html
  43. https://drive.ky.gov/driver-licensing/Pages/DUI-Laws.aspx#dui-penalties
  44. https://www.washingtonpost.com/news/wonk/wp/2015/02/09/how-just-a-couple-drinks-make-your-odds-of-a-car-crash-skyrocket/?utm_term=.3124bcb66dab
  45. https://www.iihs.org/iihs/topics/laws/cellphonelaws
  46. https://ucr.fbi.gov/crime-in-the-u.s/2013/crime-in-the-u.s.-2013/tables/table-8/table-8-state-cuts/table_8_offenses_known_to_law_enforcement_kentucky_by_city_2013.xls
  47. https://www.responsibility.org/wp-content/uploads/2018/02/2016-Under-21-Alcohol-Impaired-Driving-Fatalities-Per-100000-Population-by-State.pdf
  48. https://cdan.nhtsa.gov/tsftables/tsfar.htm#
  49. https://datausa.io/profile/geo/kentucky/#category_transportation

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