Kentucky Auto Insurance Premium Rates:

In 2008, the average auto insurance premiums in Kentucky were about $758.00. This was an increase from 2007 when the average auto insurance rate was approximately $735.58; this is a 2.60% increase, in just one year.

Also, in 2008 the statistics point out that, the cost of liability coverage on average was around $487.49, collision coverage was typically on average around $284.98, and standard comprehensive coverage cost was roughly $138.47.

In 2007, the auto insurance premium rates in Kentucky were lower than 26 other states and higher than 23 of the states in the US. Going back even further, about seven years in 2000, premium rates for auto insurance in Kentucky reached $615.69, at this time there were still 30 states that had higher premiums than Kentucky.

Auto insurance premiums went up again in 2005 to an average of $645.21.

Below are some factors that may play a contributing part in the increase of the premium rates in Kentucky. Contributing Causes That Affect Auto Insurance Prices in Kentucky:

• City Driving Speed Limit 65
• Highway Driving Speed Limit 65
• Blood Alcohol Level Percentage Limit 0.08
• The Open Container Law(applied to both the driver and apssenger of a vehicle. Both the driver and the passenger(s) of any vehicle are prohibited from possessing an open container of alcohol
• Usage Of Handheld Cell Phones There is currently no statewide ban on the use of hand held cell phones while driving.
• Cell Phone Usage By Driver There is currently no statewide ban on the use of cell phones by a driver
• License Suspension or DUI (Driving Under the Influence) There is not an automatic suspension of a license for a first offense DUI or DWI charge.
• Restoration of License Available After DUI (Driving Under the Influence) No Information currently available at this time.

Kentucky Figures for Auto Insurance Premiums:

• 2008 Standard Car Premium Rate $758.00
• 2007 Standard Car Premium Rate $738.58
• 2007-2008 Change in percentage 2.60%
• 2008 Cost for Collision Coverage $284.98
• 2008 Cost For Liability Coverage $487.49
• 2008 Comprehensive Coverage Cost $138.47
• Rank in 2008 for Premiums 27