Best insurance for Teen Drivers in Kentucky

If you are looking for the best auto insurance for teen drivers in Kentucky, you may want to compare in detail the major auto insurance companies that offer this service and the average annual cost of insurance for teens offered by them. Here are some of the factors you should consider when making your comparison:

- The minimum coverage required by law in Kentucky is $25,000 per person and $50,000 per accident for bodily injury liability, $25,000 per accident for property damage liability, $10,000 per person for personal injury protection (PIP), and $25,000 per person and $50,000 per accident for uninsured/underinsured motorist coverage. However, you may want to purchase higher limits or additional coverages to protect yourself and your teen driver from financial losses in case of an accident.

- The average annual auto insurance rate in Kentucky is $1,741, which is higher than the national average of $1,442. However, this rate can vary widely depending on the company, the level of coverage, the location, the driving record, the credit history, and the vehicle's make and model. You should compare quotes from different companies to find the best deal for your situation.

- According to our research, the cheapest major car insurance company in Kentucky for full coverage is Auto-Owners Insurance, with an average annual rate of $1,518. The most expensive major car insurance company in Kentucky for full coverage is Allstate, with an average annual rate of $4,413.

- The cheapest car insurance rates for teen drivers in Kentucky are with Geico, which has an average annual rate of $2,791 for females and $3,834 for males. The most expensive car insurance rates for teen drivers in Kentucky are with Allstate, which has an average annual rate of $10,043 for females and $11,198 for males.

- Some of the factors that can affect your teen driver's car insurance rates are their age, gender, driving experience, driving record, grades, vehicle type, safety features, and discounts. You can help lower your teen driver's car insurance rates by enrolling them in a driver education or defensive driving course, adding them to your existing policy instead of buying a separate one, choosing a safe and reliable vehicle with low repair costs and high safety ratings, installing anti-theft devices or tracking systems on their vehicle, raising your deductible or lowering your coverage limits (but only if you can afford it), shopping around for discounts such as good student discount or multi-car discount, and monitoring their driving habits with a telematics device or app.