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Kentucky Car and Home Insurance: Your Guide to Savings

Whether you’re a brand-new homeowner shopping for your first home insurance policy or need to switch from one insurance company to another to save money on car insurance, SelectQuote can help. We comparison shop several insurance companies at once to provide you with the best deals on affordable home and auto insurance coverage, including bundled home and auto policies that can help save you an average of $693 a year.

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Finding the Best Car Insurance in Kentucky

Buying auto insurance in Kentucky isn’t just a requirement to drive a vehicle: it’s a way to protect yourself and your passengers after an accident. More than 2.9 million drivers1 share Kentucky’s roadways, and every single one of their 3.4 million vehicles1 needs car insurance coverage.

Average Auto and Home Insurance Rates in Kentucky

The following rates listed below are from real SelectQuote customers. Your insurance rates will vary based on ZIP code, credit rating, claims history, and other factors.

City	Avg. Monthly Home Insurance Rate	Avg. Monthly Auto Insurance Rate	Avg. Monthly Rate of Bundled Policies
Georgetown	$59.15	$89.67	$128.10
Lexington	$123.20	$188.78	$239.70
Louisville	$125.19	$201.94	$264.50
Paducah	$153.82	$88.78	$258.92
Richmond	$117.55	$137.59	$252.97

Average monthly rates are from effective SelectQuote customer policies between 4/1/2022 and 3/31/2023.

How to get the best rates? Bundle your coverage.

One of the best discounts most insurance companies offer is through bundled home and auto insurance policies. By combining your coverage with one carrier, you can save even more money. SelectQuote customers save an average of $693 per year when they bundle their home and auto insurance coverage.

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Kentucky Car Insurance Requirements

Kentucky requires all drivers to carry auto insurance. Mandatory auto coverage for all Kentucky drivers includes liability insurance, which protects you in the event of an auto incident where someone is injured or property is damaged. The required types of auto insurance coverage include:

Bodily injury liability coverage helps cover you in the event that another driver or their passengers are injured. You must carry $25,000 per person or $50,000 per accident.
Property damage liability coverage protects you if the auto incident involves damage to another person’s property, including vehicles and structures. Kentucky requires all drivers to carry $25,000 of coverage per accident.

In addition to liability insurance coverage required by the state, auto insurance companies offer policies for additional protection. If you have purchased your vehicle via financing or lease, you may be required to buy some (or all) of the following coverages:

Comprehensive coverage pays for losses related to damage from animals, fallen objects, storms, fire, and theft.
Collision coverage helps pay for damage to your vehicle after an incident involving another vehicle.
Gap insurance is often required when financing a vehicle and pays the difference between what you currently owe on the car and what it is worth when named a total loss.
Uninsured and underinsured motorist coverage helps pay for damages after an incident involving another driver who lacks insurance or does not carry enough insurance to help pay for your injuries or damaged property.
Personal injury protection insurance can pay for immediate medical expenses for yourself or your passengers in an auto accident while entering, exiting or inside the vehicle.

Types of Coverage	Minimum State Requirements
Bodily Injury Liability	$25,000 per person / $50,000 per accident
Property Damage Liability	$25,000
Uninsured Motorist	Not required
Underinsured Motorist	Not required
Personal Injury Protection	Not required
Collision	Not required
Comprehensive	Not required
Gap Insurance	Not required

Kentucky Teen Driving Laws

Kentucky’s graduated driver licensing program for teens allows drivers who get their original permit at 16 or 17 years of age to practice driving safely over the course of a probation period. Drivers must follow restrictions, including a curfew between the hours of 12:00 a.m. and 6:00 a.m. and the number of passengers allowed in the vehicle. All teen drivers must have auto insurance, either on their own or as a covered driver on their parents' or guardians’ policy.

Kentucky Car Registration Information

To register your vehicle in Kentucky, you’ll need to bring several items to your local Office of the County Clerk, including:

Photo ID
Current original (not a copy) proof of insurance, effective date within 45 days
Fees and applicable taxes

If your vehicle is brought to Kentucky from another state, it will require a Sheriff’s Inspection.

Homeowners Insurance in Kentucky: Protecting Your Home

Nearly 70% of Kentucky residents are homeowners. No matter what part of the Bluegrass State you call home, home insurance is absolutely vital for protecting your investment and property.

Given Kentucky’s location and how the central part of the state experiences some extreme weather conditions, making sure you have the right homeowners policy can make all the difference when rebuilding after a disaster. Kentucky homeowners need to watch out for two types of insurance coverage: actual cash value policies and full replacement cost policies.

Actual cash value policies pay either the policy limit or the actual cash value of the lost property minus depreciation, whichever is less.
Replacement cost policies pay the full cost to replace or the policy limit and do not factor in depreciation. What this means for you is that with replacement cost, a home that is valued at $250,000 but costs $275,000 to rebuild will be fully covered by the insurance company. An actual cash value policy would leave you responsible for the remaining $25,000.

Homeowners Insurance Coverage Options

Most home insurance policies sold in Kentucky will provide for a basic set of coverages. The following types of home insurance coverage are typically included in these policies:

Dwelling coverage pays for repairs or replacement for the actual physical structure of your home, such as walls and the roof.
Property coverage protects the stuff inside your home, like furniture and appliances, even if the damage or theft is outside of your house.
Other structures coverage pays for repairs for buildings that aren’t part of your home, such as detached garages.
Liability coverage defends and protects you against lawsuits after someone else is injured on your property. It also covers you if you damage their property.
Guest medical protection covers medical expenses for someone injured on your property.
Additional living expenses coverage pays for lodging, food, and other expenses if a covered loss makes your home uninhabitable.

Most home insurance policies will cover a list of named perils under the hazard coverage/structural coverage portion of your policy. The increased risks of weather damage in Kentucky make buying additional coverage something to consider. Additional coverage you may want to look into includes:

Flood insurance is not part of typical home insurance policies, but it is available from the National Flood Insurance Program or private insurers.
Water backup coverage can help pay for damages related to water backups in basements or crawl spaces. Blocked sewers and drain lines or failing sump pumps can create expensive problems.
Identity theft coverage can help reduce the costs often associated with restoring your stolen identity and rebuilding your credit score.

If you have questions about what kind of coverage makes sense for your needs, our experienced licensed insurance agents at SelectQuote can help.

Common Causes of Loss in Kentucky

Kentucky’s location at the northern corner of the southeastern United States makes it prone to extreme weather throughout the year. Kentucky sees heavy snowfall, ice, freezing temperatures, floods, tornadoes, and even the tail end of hurricanes. These weather events can cause massive damage to homes in the Bluegrass State, resulting in millions of dollars in repairs. Common reasons for filing insurance claims in Kentucky include:

Flooding, which isn’t covered under most homeowners insurance policies
Severe winter weather that can cause pipes to freeze and burst, and roofs to sag
Tornadoes and hurricanes bring strong winds and pounding rain that can break windows, cause flooding, damage your roof, and pull siding from your home.

Homeowners Insurance Discounts in Kentucky

What kind of discounts are available for homeowners insurance in Kentucky? Most insurance companies offer savings for customer loyalty, but did you know there are other ways to save? They include:

Home security system discounts
Discounts for installing a new roof and windows
Discounts for a low number of claims
Discounts for building/buying a brand new home
Discounts for bundling home and auto insurance

SelectQuote Can Shop Kentucky Home or Auto Insurance to Save You Time and Money

Finding affordable home and auto insurance shouldn’t break the bank, and it definitely shouldn’t feel like a hassle. SelectQuote helps you shop for insurance and reduce the legwork!

We compare rates from several different companies at once and show you the best prices for home and auto insurance, including significant savings on bundled policies. Let us save you time and money.

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Our Home and Auto Insurance Partners in Kentucky

SelectQuote partners with trusted and nationally known home and auto insurance companies in Kentucky. We shop for coverage with multiple companies and provide you with competitive quotes for both standalone and bundled home and auto insurance.

FAQs About Kentucky Insurance

What is the average car insurance cost in Kentucky?

The average car insurance rate in Kentucky is $157.11,⁺ but your rates will differ. Depending on the type of coverage you buy, where you live, what kind of car you drive, your credit score, and driving history, you may pay more or less than this amount.

What is the average home insurance rate in Kentucky?

The average home insurance premium for Kentucky customers is $122.50.⁺ Your own homeowners insurance rates will vary based on:

Your location
The age and condition of your home
The type and limits of coverage you purchase
Your credit history
The number of claims you’ve filed in the past
Any applicable discounts

Is renters insurance required in Kentucky?

Renters insurance isn’t legally required in Kentucky, but it’s a worthwhile investment for anyone renting an apartment or house. Renters insurance protects your personal property in the event of a covered loss, often including fire, theft, and storm damage. Some apartment complexes or other rental properties may require renters insurance as a condition of your lease.

Do you have to have mobile home insurance in Kentucky?

Mobile home insurance isn’t required by law. If you own a mobile home, however, it’s a good investment. Most mobile home owners are required to buy different insurance from traditional homeowners coverage because mobile homes face increased risks of fire and wind damage compared to stick-built homes.