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Why is car insurance so expensive in Kentucky?

I only paid like $200 for car insurance in Indiana and moved to bfe in KY and now I'm nearly paying the same amount per month! My car, driving record, credit history, etc haven't changed since then. The only thing that changed is moving to Kentucky.

Apr 9, 2018 Summersville, KY

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Ava Lynch

Insurance Analyst

Credentials
  • 7+ years of Experience in the Insurance Industry

Ava joined The Zebra as a writer and licensed insurance agent in 2016. She now works as a senior insurance contributor, providing insights and data a…

Kentucky is much more expensive due to their insurance laws. Indiana only requires you carry liability insurance. KY has a law that requires you to carry Personal Injury Protection. This covers medical costs regardless of fault in an accident. You may hear people call it "no-fault" Insurance. This coverage tends to cost a lot more than standard liability insurance. This is the increase you are seeing on new quotes.

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