Cheap Car Insurance for Drivers with Accidents in Kentucky

Cheap Car Insurance for Drivers with Accidents in Kentucky

The type of vehicle you are insuring is a large consideration when trying to find the lowest-priced coverage for drivers with accidents. Vehicles with lower acceleration and performance, modern passenger safety features, or a positive history of liability claims will cost significantly less to insure than higher performance models.

The next tables shows coverage premiums for some of the most budget-friendly vehicles to buy coverage for.

Auto Insurance Rates for Popular Cars in Kentucky
Make, Model, and Trim Level Annual Cost Semi-Annual Cost Monthly Cost
Chevrolet Malibu LTZ $2,748 $1,374 $229
Ford Fusion Sport 4-Dr Sedan $2,748 $1,374 $229
Honda Accord EX 2-Dr Coupe $2,904 $1,452 $242
Hyundai Elantra GLS Touring Station Wagon $2,160 $1,080 $180
Hyundai Sonata GLS 4-Dr Sedan $2,750 $1,375 $229
Nissan Altima Hybrid 4-Dr Sedan $2,748 $1,374 $229
Toyota Camry XLE $2,716 $1,358 $226
Toyota Corolla XRS $2,748 $1,374 $229
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Prices based on single female driver age 40, no speeding tickets, two at-fault accidents, $500 deductibles, and Kentucky minimum liability limits. Discounts applied include homeowner, multi-vehicle, and multi-policy. Price information does not factor in Kentucky location which can impact coverage prices considerably.

Car Insurance Rates for Popular SUVs and Crossovers in Kentucky
Make, Model, and Trim Level Annual Cost Semi-Annual Cost Monthly Cost
Cadillac Escalade Hybrid Platinum 4WD $3,680 $1,840 $307
Chevrolet Traverse LS AWD $2,226 $1,113 $186
Ford Escape XLS 4WD $2,160 $1,080 $180
Ford Explorer Limited 2WD $2,594 $1,297 $216
GMC Acadia SL 2WD $2,376 $1,188 $198
Honda CR-V EX 2WD $2,160 $1,080 $180
Honda Fit Sport VSA $2,224 $1,112 $185
Honda Pilot EX 2WD $2,442 $1,221 $204
Jeep Grand Cherokee SRT-8 4WD $2,748 $1,374 $229
Jeep Wrangler Unlimited Sahara 2WD 4-Dr $2,616 $1,308 $218
Kia Sportage LX 2WD 4-Dr $2,376 $1,188 $198
Nissan Pathfinder SE 4WD $2,410 $1,205 $201
Subaru Forester X Limited Edition AWD $2,412 $1,206 $201
Toyota Highlander 4WD $2,594 $1,297 $216
Toyota RAV4 Sport 4WD $2,562 $1,281 $214
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Prices based on single female driver age 40, no speeding tickets, two at-fault accidents, $500 deductibles, and Kentucky minimum liability limits. Discounts applied include multi-vehicle, homeowner, and multi-policy. Price estimates do not factor in vehicle garaging location which can raise or lower rates significantly.

Auto Insurance Rates for Popular Pickup Trucks in Kentucky
Make, Model, and Trim Level Annual Cost Semi-Annual Cost Monthly Cost
Chevrolet Silverado 2500HD LT Crew Cab Diesel 4WD $2,934 $1,467 $245
Chevrolet Silverado LT Extended Cab 2WD $2,750 $1,375 $229
Dodge Ram Quad Cab Laramie 2WD $2,970 $1,485 $248
Ford F-150 STX Super Cab 4WD $2,442 $1,221 $204
Ford F-250 Lariat Crew Cab 2WD $3,122 $1,561 $260
GMC Sierra 2500HD SLT Extended Cab 2WD $3,088 $1,544 $257
GMC Sierra 3500HD SLE Crew Cab 2WD $2,782 $1,391 $232
GMC Sierra Denali Crew Cab 2WD $2,934 $1,467 $245
Toyota Tacoma Double Cab 4WD $2,562 $1,281 $214
Toyota Tundra Double Cab 4WD $2,782 $1,391 $232
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Prices based on single female driver age 40, no speeding tickets, two at-fault accidents, $500 deductibles, and Kentucky minimum liability limits. Discounts applied include multi-policy, homeowner, and multi-vehicle. Price information does not factor in the specific area where the vehicle is garaged which can lower or raise insurance rates substantially.

One of the many considerations that is looked at to help calculate the annual cost of car insurance is the neighborhood you call home in Kentucky. More populated areas like Louisville, Ashland, and Jeffersontown tend to have higher rates, whereas less populated areas have the gratification of cheap auto insurance for drivers with accidents in Kentucky.

The information below rates the most expensive cities in Kentucky for drivers with accidents in which to purchase auto insurance.

How much does car insurance cost in Kentucky?
Rank City Premium Per Year
1 Louisville $2,154
2 Frankfort $1,795
3 Ashland $1,724
4 Saint Matthews $1,711
5 Jeffersontown $1,668
6 Radcliff $1,638
7 Paducah $1,583
8 Elizabethtown $1,563
9 Madisonville $1,552
10 Danville $1,549
11 Murray $1,549
12 Henderson $1,541
13 Hopkinsville $1,538
14 Georgetown $1,536
15 Covington $1,532
16 Nicholasville $1,519
17 Lexington $1,514
18 Winchester $1,501
19 Bowling Green $1,476
20 Richmond $1,475
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Price information shown is estimated as the specific Kentucky residence address can influence price quotes considerably.

Choosing the best insurance company can be a challenge considering how many companies provide coverage in Kentucky. The company ratings displayed below could help you select which providers to look at when shopping insurance around for drivers with accidents. These ratings are for companies who write in the majority of U.S. states, so companies that have a smaller presence are not included in these rankings.

Top 10 Large Car Insurance Companies in Kentucky Ranked by A.M. Best Rating

  1. Travelers – A++
  2. USAA – A++
  3. GEICO – A++
  4. State Farm – A++
  5. Erie Insurance – A+
  6. Esurance – A+
  7. Progressive – A+
  8. Nationwide – A+
  9. The Hartford – A+
  10. Allstate – A+

Top 10 Large Car Insurance Companies in Kentucky Ranked by Value

  1. Travelers
  2. American Family
  3. AAA Insurance
  4. Safeco Insurance
  5. Progressive
  6. The Hartford
  7. Erie Insurance
  8. The General
  9. Esurance
  10. 21st Century

How to find cheap auto insurance for drivers with accidents in Kentucky

It is possible to find better rates, and here are some of the recommended penny-pinching ideas that can help you find cheaper auto insurance.

  • Do not get into accidents that are your fault
  • Avoid price increases by not filing claims
  • Get cheaper liability coverage by choosing a safer vehicle
  • Buying home and auto insurance together can earn discounts
  • Save money by obeying traffic laws and keeping a clean driving record
  • Compare rates and switch if you can find a better deal

The last item on the list is extraordinarily significant, as was pointed out in the prior article. Auto insurance rates in Kentucky can be modified anytime, so you should be ready to switch companies if you can find a cheaper rate.

Sticking with a specific company is fine, but it’s not a good idea if that loyalty results in overpaying money that could be going to better use. Spend a few minutes and compare prices and find cheaper insurance for drivers with accidents.