Kentucky Rates:
Auto insurance premiums averaged $758.00 in Kentucky in 2010, representing a change of 2.60 percent from the previous year when rates averaged $738.58. The 2010 figures indicate that liability coverage averaged $487.49, collision averaged $284.98, and comprehensive averaged $138.47. There were 26 states that had higher average premiums and 23 with lower premiums. In 2010 there were 26 states with higher rates than Kentucky. Taking a look at a longer trend, premiums for car insurance in 2000 averaged $615.69 and in 2008, $645.21. In the year 2008, 30 states had higher premiums.
Factors Affecting Insurance Costs
| Speed Limit in Cities | 65 |
| Speed Limit On Highways | 65 |
| Blood Alcohol Percentage Limit | 0.08 |
| Open Container Law | Both the driver and passenger of vehicles are prohibited from posessing open alcohol |
| Handheld Cell Phones | There is no statewide ban on hand held cell phone use while driving. |
| Cell Usage By Driver | There is no state wide ban on all cell phones by drivers. |
| License Suspension on DUI | There is no automatic suspension of license on a first offense for DUI - DWI. |
| Restoration Available After DUI | No Information Available |
Auto Insurance Premium Data
| 2010 Average Premium | $758.00 |
| 2010 Average Premium | $738.58 |
| 2009-2010 % Change | 2.60% |
| 2010 Collission Cost | $284.98 |
| 2010 Liability Cost | $487.49 |
| 2010 Comprehensive Cost | $138.47 |
| 2010 Premium Rank | 27 |
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