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Best Frankfort KY Car Insurance: Your Ultimate Guide for 2023

Best Frankfort KY Car Insurance – When it comes to driving in Frankfort, Kentucky, having the right car insurance or an auto insurance is not just a good idea – it’s the law. To ensure you’re protected on the road, it’s important to understand the minimum coverage requirements and explore the best car insurance options available. In this article, we have explained everything you need to know about car insurance in Frankfort, KY, from coverage requirements to top insurance providers.

Minimum Coverage Requirements For Best Car Insurance Frankfort KY:

Best Frankfort KY Car Insurance

For Car Insurance Frankfort FY, Kentucky, the law requires you to have the following minimum car insurance coverages:

  1. Liability Coverage:
Bodily Injury$25,000 per person
Bodily Injury$50,000 per accident
Property Damage$10,000 per accident
Personal Injury Protection (PIP)$10,000 per person

Liability Coverage Explained:

Liability coverage is mandatory in Kentucky and covers the costs if you’re at fault in an accident that causes injury, lost wages, or damage to another driver’s vehicle. The coverage is divided into three categories:

  • $25,000 bodily injury coverage per person: This pays for a single person’s injuries in an accident.
  • $50,000 bodily injury coverage per accident: This covers all injuries in an accident involving multiple people.
  • $10,000 property damage per accident: This covers damage you cause to someone else’s property.

Personal Injury Protection (PIP):

PIP coverage provides medical cost coverage for you and your passengers, regardless of who’s at fault in an accident. This coverage includes expenses like hospital bills, rehabilitation costs, and even lost wages due to the accident. The minimum PIP coverage in Kentucky is $10,000 per person.

Kentucky Driver’s License Information – Car Insurance Frankfort KY:

  • You have to be a U.S. citizen or live in the U.S. as a permanent resident.
  • You need to be at least 16 years old to move your driver’s permit or license to Kentucky.
  • All Kentucky licenses are given out at the Circuit Court Clerk’s Office in the county where you live.
  • You need to prove that you live in Kentucky. This could be papers like a property tax bill, a utility bill, or a rental housing agreement.
  • You also need to show your valid license from another state, your Social Security card, and your birth certificate to the clerk.
  • If your license from another state is still okay when you come to Kentucky, you won’t need to take a test.
  • If you don’t have your valid license to give to the clerk, you’ll need to show a paper that proves your driving record from the other state.
  • If you had a permit from another state and you’re moving to Kentucky, you need to switch your permit here before getting a Kentucky license.
  • How much you pay for the license depends on the type you’re getting.

Kentucky Graduated Licensing Program for Teen DriversGetting Your Kentucky Driver’s License in Steps:

Car Insurance Frankfort FY

Phase 1 – Permit: In Car Insurance Frankfort FY

  • If you’re at least 16, you can apply for a permit in Kentucky.
  • If you’re under 18, your parent needs to sign for you, and you must show a paper from school to prove you’re doing well.
  • After passing a written and vision test, you can drive with a licensed adult who’s 21 or older in the front seat.
  • Only one friend under 20 can be with you, and you can’t drive from midnight to 6:00 AM.
  • If you’re under 21, you need to have the permit for 180 days. If you’re over 21, it’s 30 days.
  • If you’re under 18, you must practice driving for at least 60 hours, including 10 hours at night.

Phase 2 – Intermediate License: In Car Insurance Frankfort FY

  • To get this, you need to pass a driving test.
  • If you’re under 18, only one friend under 20 can be with you, and you can’t drive from midnight to 6:00 AM.
  • You must have the intermediate license for 180 days.
  • Before you can get a full license, you need to finish a driver education program approved by the state.

Phase 3 – Full Unrestricted License: In Car Insurance Frankfort FY

  • This is the last step. There are no more rules about time or passengers.
  • If you’re under 21, your license will show “Under 21”.
  • If you’re under 21, you can’t have any alcohol in your blood while driving (that’s .02 Blood Alcohol Concentration).

Also you need to know that some vehicles require SR-22 Insurance as this insurance is a specific type of insurance mandated by courts or state DMVs for high-risk drivers. You can read our article on SR22 guide in which we have explained each and every aspects of SR22.

Choosing the Right Car Insurance Provider- An Step Towards Best Frankfort KY Car Insurance:

Best Frankfort KY Car Insurance

Now that you understand the coverage requirements, let’s take a look at some of the Best Frankfort KY Car Insurance provider:

1. Geico: (First Best Frankfort KY Car Insurance)

GEICO – Full Form – Government Employees Insurance Company : This company is known for their car insurance. Head office situated in Chevy Chase, Maryland a place in United States. Even there name contains “Government” they are not a government organization, they are a private firm.

Here’s what you should know about GEICO:

  • They’re one of the biggest car insurance companies in the U.S. After State Farm, they’re the second biggest.
  • Owned by a company -Berkshire Hathaway.
  • In 2017, they helped more than 15 million people with their car insurance for over 24 million cars.
  • They sell car insurance all across the U.S., in every state and even in the District of Columbia.
  • You can buy their insurance through different ways: from local agents, on the phone with their agents, or from their website.
  • They have a cute mascot, which is a gecko with a funny way of talking, kind of like someone from London. An actor named Jake Wood does the voice for this gecko.
  • You might have seen their funny commercials on TV. They make these ads to make people smile.

A long time ago, in 1936, a person named Leo Goodwin Sr. and his wife Lillian Goodwin started GEICO. They wanted to help government workers with their car insurance, but now they help everyone, not just government workers.

GEICO doesn’t only help with car insurance. They also offer insurance for things like your home, and they even have something called “umbrella coverage.” This means they can help with extra big situations, but sometimes other companies actually handle the risk for these policies. GEICO takes care of the policies like an “insurance agent” and they have a special team to help with these types of insurance.

  • Pros:

    Geico offers competitive rates, an easy claims process, and special discounts for bad credit drivers.
  • Cons:

    Rates for DUI drivers can be higher, and customer service may vary.
  • Key Features:

    Geico provides mechanical breakdown insurance and offers discounts for military members.

2. Allstate: (Second Best Frankfort KY Car Insurance)

The Allstate Corporation is a big company that helps people with their insurance. They are based in Glenview, Illinois, and they also have an address in Northbrook, Illinois. They started in 1931 as part of a company called Sears, Roebuck and Co. Later, in 1993, they became their own company, and by June 1995, they were completely independent from Sears. They also do insurance business in Canada.

Here are some things to know about Allstate:

  • They are a big company that makes a lot of money. In 2018, they earned around $39.8 billion.
  • They’re a part of the Fortune 500 list, which shows the biggest companies in the United States. They were ranked 79th in the list for 2019.
  • You might have seen their ads that ask, “Are you in good hands?” They’ve been using this saying since 1950. They also have a logo that shows a house being protected by big human hands.

A long time ago, in 1925, Sears held a contest to find a name for new car tires they wanted to sell. After many name ideas, they chose “Allstate.” People liked the tires, and this name became famous. The next year, they made it their official name.

The idea for Allstate Insurance Company came up during a card game on a train in 1930. A person named Carl L. Odell, who worked in insurance, talked about selling car insurance directly through mail. He told this idea to his neighbor, General Robert E. Wood, who liked it. He told the important people at Sears, and they liked it too. So, on April 17, 1931, Allstate Insurance Company started. They sold car insurance through mail and catalogs, just like how Sears sold their products

  • Pros:

    Allstate has a user-friendly claim submission process and accessible customer assistance.
  • Cons:

    Rates might be slightly higher, and policy renewal scores are below average.
  • Key Features:

    Allstate’s deductible rewards program offers deductible reductions for accident-free years.

3. Travelers: (Third Best Frankfort KY Car Insurance)

Travelers is a company that helps people with insurance are based in the United States, Minnesota, with headquarters in New York City. They are really good at providing insurance for businesses and homes and individuals to get insurance through special agents.

Here are some things to know about Travelers:


Travelers Insurance company is one of the biggest insurance companies in the U.S.
Travelers is part of a big group called the Dow Jones Industrial Average. This group shows how well big companies are doing.
They have offices in several parts of U.S., and they also have operations in other countries like the United Kingdom, Ireland, Singapore, China, Canada, and Brazil.
Travelers is part of the Fortune 500 list, which shows the biggest companies in the United States. In 2021, they were ranked 98th on the list. They made a total of $32 billion in money.

  • Pros:

    Highly rated for claims handling and offers lower premiums than the national average.
  • Cons:

    Customer service may not be top-notch, and coverage for high-end vehicles and rideshare drivers is limited.
  • Key Features:

    Travelers’ IntelliDrive program rewards safe driving habits with premium discounts.

4. State Farm: (Fourth Best Frankfort KY Car Insurance)

State Farm also on of the major player in providing Car insurance in the USA. In 2022, State Farm Insurance company was ranked 42nd among all the big American companies.

Here’s what you should know about State Farm:

They have special agents who only sell State Farm insurance. These agents are appointed on the terms to sell only State Farm products.

State Farm isn’t just about insurance. They also do other things like banking and mutual funds, which help grow your money too.

State Farm started a bank in 1999, and it’s run by a part of State Farm called State Farm Financial Services. This bank is separate from their insurance stuff. You can use their banking services, like checking and savings accounts, through the internet, over the phone, or with agents. They even offer home mortgages, which are loans for buying houses.

  • Pros:

    Customers appreciate the excellent customer service and competitive rates.
  • Cons:

    Drivers with low credit or poor records might face higher rates.
  • Key Features:

    State Farm offers various discounts, including for safe driving and students with good grades.

5. USAA: (Fifth Best Frankfort KY Car Insurance)

USAA is a company in the United States that helps military members, veterans, and their families with money stuff. They started in 1922 in San Antonio, Texas. At first, it was made by a group of 25 people from the U.S. Army. These people were officers in the army. They wanted to help each other with insurance because they couldn’t get regular car insurance. People thought they were risky because they were in the military.

Here’s what you should know about USAA:

USAA started by helping army officers, but now they also help other people from the Armed Forces and their families.

They don’t just do insurance. They also do banking, which means they can help you to grow your money.

USAA is one of the big insurance in the USA. They were on top lists like the Fortune 500 and Fortune Global 500.

In 2020, they were ranked 96th among the top American companies. They were also in Fortune’s Blue Ribbon list, and they were one of the best companies to work for.

At the end of 2020, USAA had more than 13 million members. These are the people they help with their financial stuff.

  • Pros:

    USAA offers lower rates and is highly rated for customer service.
  • Cons:

    Exclusive to military personnel, veterans, and their families, and may have higher deductibles.
  • Key Features:

    USAA tailors its insurance products to the needs of military families.

Conclusion: To Get Best Frankfort KY Car Insurance Provider You Need To Know The Following:

Driving in Frankfort, KY, means complying to the state’s minimum car insurance requirements. While these are the legal requirements, its always suggested to the maximum coverage options to stay safe when faced any difficult situation like accident. Exploring reputable insurance providers like Geico, Allstate, Travelers, State Farm, and USAA can help you find the right coverage for your needs and drive with peace of mind. Remember, choosing the best car insurance isn’t just about cost – it’s about the quality of coverage and service you receive.

Which are the cheapest car insurance in ky?

Shelter, Auto-Owners, Travelers, Westfield and State Farm are the top 5 cheapest car insurance company in KY.

What is the average car insurance cost Kentucky per month?

The average price for car insurance is $84 per month in Kentucky. Coverage cost can vary depending on drivers past record and coverage amount of your policy.

Is Kentucky car insurance expensive?

The average cost of car insurance with full coverage in Kentucky is $4834. This cost can vary depending on various factors like Drivers record and cost of coverage per year.

Which are the top car insurance providers in Frankfort, KY?

Some of the best car insurance providers in Frankfort, KY, include GEICO, Allstate, Travelers, State Farm, and USAA. These companies offer various coverage options, discounts, and benefits tailored to drivers’ needs, ranging from military families to everyday drivers.

What is Personal Injury Protection (PIP) coverage in Frankfort, KY car insurance?

PIP coverage provides medical cost coverage for you and your passengers, regardless of fault. It includes expenses like hospital bills, rehabilitation costs, and lost wages due to an accident. The minimum PIP coverage required in Kentucky is $10,000 per person.

Also read our article – Top 5 Insurance Companies in USA (2023)

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