Cheapest Car Insurance for State Employees in Kentucky

Our content editors always give us grief that when writing about auto insurance, the words “affordable” or “cheap” should not be used anywhere in the article to describe car insurance rates. Excuse the oxymoron, but cheap auto insurance for state employees just does not exist. But fear not, because we can show you some ways you can find and buy car insurance that is easy on your budget.

For Kentucky drivers, one of the components that car insurance companies use when figuring the policy price is where your home is located in Kentucky. Areas with more people or higher crime rates like Louisville, Jeffersontown, and Ashland tend to pay higher rates, whereas areas with less crime or weather claims tend to receive slightly lower rates.

The illustration below rates the most expensive cities in Kentucky for state employees in which to purchase auto insurance.

Price information shown is approximated as the specific garaging location can revise insurance rates significantly.

The vehicle model driven is a significant factor in finding the most affordable coverage for state employees. Vehicles with limited top-end speed, good crash test ratings, or a low likelihood of liability claims will cost less to insure than fast, unsafe models.

The information below ranks insurance premiums for the most affordable automobiles to buy insurance for.

Cost estimates assume married female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Kentucky minimum liability limits. Discounts applied include homeowner, safe-driver, multi-policy, claim-free, and multi-vehicle. Prices do not factor in vehicle location which can modify rates greatly.

Table data assumes married female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Kentucky minimum liability limits. Discounts applied include safe-driver, multi-policy, homeowner, claim-free, and multi-vehicle. Table data does not factor in specific location information which can impact premiums noticeably.

Data rating is based on married female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Kentucky minimum liability limits. Discounts applied include multi-vehicle, safe-driver, homeowner, multi-policy, and claim-free. Prices do not factor in your specific Kentucky location which can revise coverage prices noticeably.

Get discounts on Kentucky insurance rates

Auto insurance companies that offer the cheapest car insurance for state employees in Kentucky could also offer special discounts that could reduce prices by 40% or more if you qualify. A few popular companies and a partial list of their discounts are outlined below.

The example below visualizes the comparison of yearly insurance costs with and without discounts applied to the rates. The premium estimates are based on a female driver, no accidents or driving violations, Kentucky state minimum liability limits, comprehensive and collision coverage, and $1,000 deductibles.

The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, homeowner, defensive driving course, multiple vehicle, marriage, and accident-free discounts applied. When discounts are factored in, the average savings per year on car insurance for state employees is % or $.

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Cost comparison with and without full coverage

Finding the cheapest car insurance for state employees in Kentucky is probably important to the majority of drivers, and an effective way to pay lower rates for insurance is to only buy liability coverage. The information below illustrates the comparison of auto insurance costs with full physical damage coverage compared to only buying liability only. Data assumes no driving violations, no at-fault accidents, $250 deductibles, single status, and no discounts are applied to the premium.

google.charts.setOnLoadCallback(drawFclqcibChart);function drawFclqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Full Coverage with $250 Deductibles’, ‘Liability Only’],[‘Age 20’, 3945,1309],[‘Age 30’, 2027,717],[‘Age 40’, 2011,665],[‘Age 50’, 1831,623],[‘Age 60’, 1773,613],[‘Age 70’, 2171,819]]);var options = {title: ‘Rate Comparison of Full Coverage and Liability Only’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 500,’chartArea’: {left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’},colors: [‘#6791b9′,’#98bee2’],hAxis: {title: ‘Annual Auto Insurance Cost for Average Vehicle in Kentucky’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);var chart = new google.visualization.BarChart(document.getElementById(‘qcibfcl’));chart.draw(data, options);}

As an average, physical damage coverage on your policy costs an additional $2,293 per year more than carrying just liability coverage. That is a significant amount which raises the question if paying for full coverage is a waste of money. There is no clear-cut formula for phasing out full coverage on your policy, but there is a general convention. If the yearly cost for physical damage coverage is about 10% or more of replacement cost minus your deductible, then it might be time to buy liability only.

Allstate, State Farm, Geico, or Progressive: Which is best?

When comparing car insurance, probably the best companies to start with are Allstate, State Farm, Geico, and Progressive. Each company has slightly different coverage options that you can select from. The data below ranks some of the ratings and options offered by each company.