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Cheap Auto Insurance in Kentucky: Best Companies & Quotes

Tyron Jones

Car Insurance Expert
Updated: 11/2020

Tyron Jones is a car insurance expert who has operated within the auto insurance business for more than 10 years. 

Kentucky drivers pay high premiums for auto insurance. The reasons vary, but the average cost of an annual policy for a driver in Kentucky is a staggering $1,885. That’s more than double the annual amount for drivers in many other states, and it means paying for insurance is a budget-buster for many families. When it’s time to find a more affordable policy, Louisville, Kentucky residents and residents in other cities of Kentucky want to know where to look, what to do, and what tricks they have up their sleeves to save a few dollars here and there on insurance. Just because so many drivers pay this doesn’t mean it’s what you’re required to pay. If you have a clean credit report and driving history, chances are good you can find a much more affordable policy for your vehicles.

Navigate

  • Best Car Insurance Companies in Kentucky
  • Auto Insurance Statistics in Kentucky
    • Top 10 Cheapest Car Insurance Companies in Kentucky
    • Drunk Driving Fatalities
    • Drunk driving fatalities in Kentucky from 2013 to 2017
    • Teen Drinking and Driving
    • Teen Drinking & Driving in Kentucky vs. Nationwide (2017)
    • SR-22 Insurance in Kentucky
    • Car Theft in Kentucky
    • Vehicle thefts by rank nationwide vs. Kentucky
    • Uninsured Motorists in Kentucky
    • Percentage of uninsured drivers (Top States in 2015)
  • Start With these Companies
  • Know What Factors Determine Your Rates
  • Asking for Discounts
  • Types of Auto Insurance Coverage in Kentucky:
  • Minimum Requirements For Car Insurance in Kentucky
    • Liability Coverage minimums for the state of Kentucky:
    • Personal Injury Protection (PIP or No-Fault)
  • FAQ
    • General Kentucky Car Insurance
        • What are the different roles of insurance in Kentucky auto accidents?
        • What is medical expense coverage Kentucky auto insurance?
        • What are the auto insurance companies in Kentucky?
        • How to take out a new car insurance policy in Kentucky?
        • How to pay car insurance Kentucky?
        • How to obtain auto body insurance in Kentucky?
    • Kentucky Car Insurance Laws
        • What are the requirements for full coverage auto insurance in Kentucky?
        • What is considered full coverage auto insurance in Kentucky?
        • What coverage do I need for Kentucky car insurance?
        • In Kentucky, how long do I have to get car insurance?
        • What is the lowest car insurance coverage I can get in Kentucky?
        • Does Kentucky have anything where someone with no insurance gets their tags removed from the car?
        • What kind of violation is no car insurance considered in Kentucky?
        • In Kentucky law, when does first DUI fall off traffic record for auto insurance?
        • What is the penalty for not having car insurance in Kentucky?
        • What happens if you don't have car insurance in Kentucky?
        • What are the insurance laws when buying a used car in Kentucky?
        • How long do I have to get insurance on a used motorcycle?
    • Kentucky Car Insurance Prices
        • Why did my Kentucky state auto insurance premium increase for 2018?
        • Why is Kentucky car insurance so expensive?
        • How expensive is car insurance Kentucky?
        • How much for car insurance rates Kentucky basic only?
        • What is the cheapest Kentucky car insurance?
        • What cheapest car insurance in Kentucky with DUI?
        • What is the best auto insurance in Kentucky for senior citizens?
        • How much does car insurance go up after a DUI in Kentucky?
        • How much does typical car insurance cost in Kentucky?
        • In Kentucky what is the surcharge on car insurance premiums?
        • How much is car insurance for an 18-year-old female in Kentucky?
        • How much should liability car insurance cost in Kentucky?
        • How much does one auto accident raise your insurance in Kentucky?
        • Which is the best auto insurance bundles for Kentucky?
    • Kentucky Farm Bureau Questions
        • Is Kentucky Farm Bureau a good car insurance company?
        • How do I transfer insurance to my new car with Kentucky Farm Bureau?
        • What types of auto insurance discounts does Kentucky Farm Bureau have?
        • How do I transfer my Kentucky Farm Bureau insurance from my old car to my new car?
    • Kentucky Car Insurance Claims and Coverage
        • How long do you have to report a car accident to your insurance in Kentucky?
        • What does liability auto insurance cover in Kentucky?
        • How long do you have to claim damages on car insurance in Kentucky?
        • How does no fault auto insurance work Kentucky when damage is to my car?
        • In Kentucky, who is liable for a car without insurance?
        • How are auto insurance claim disputes handled in Kentucky?
        • What happens if you get into a car accident your fault without insurance in Kentucky?
        • How do I file an auto accident claim with State Farm insurance in Kentucky?
        • How long can car insurance see your accident in Kentucky?
    • Other Kentucky Auto Insurance Questions
        • How to file complaint against auto insurance company in Kentucky?
        • Why did Kentucky increase auto insurance?
        • How long do you have to purchase insurance on a car in Kentucky?
        • What is the insurance law for totaling a car in Kentucky?
        • How much does gap insurance add to the cost of a loan each month on a car in Kentucky?
        • Up to what age can your child stay on your auto insurance in Kentucky?
        • Top Cities in Kentucky
  • How Helpful was this Article?
  • Please Rate this Article
    • Select Your State

Best Car Insurance Companies in Kentucky

  • State Farm
  • Progressive
  • Geico
  • Nationwide
  • Allstate
  • USAA
State Farm Progressive Geico Nationwide Allstate USAA
AM Best Financial Strength Rating A++ A+ A++ A++ A+ A++
JD Power 2019 Overall Customer Satisfaction score 3/5 3/5 4/5 3/5 4/5 5/5
Avg Annual Premium $621 $1,607 $1,610 $1,766 $2,346 $718
Consumer Reports Reader Score 78 75 78 N/A 72 92
BBB Rating A+ A+ A+ A+ A+ Not Rated

Auto Insurance Statistics in Kentucky

Research done by NAIC.org indicates that the auto insurance premiums in Kentucky seem to be rising steadily.

Top 10 Cheapest Car Insurance Companies in Kentucky

Rank Company Name Avg. Annual Premium
1 Kentucky Farm Bureau $1,158
2 USAA $1,456
3 Westfield $1,482
4 Travelers $1,647
5 State Farm $1,665
6 Cincinnati Insurance $1,818
7 Motorists Mutual $1,848
8 GEICO $2,096
9 Grange Mutual $2,293
10 Electric $2,321

Drunk Driving Fatalities

Drunk driving is an unfortunate reality in the United States. Examining the statistics regarding drunk driving in Kentucky can provide insight into the level of risk involved in driving locally.

The National Highway Traffic Safety Administration has done a tally of the number of drunk driving fatalities in Kentucky vs. nationwide.

 

Drunk driving fatalities in Kentucky from 2013 to 2017

Cheap Auto Insurance in Kentucky

Source: The National Highway Traffic Safety Administration

Teen Drinking and Driving

Teen drinking and driving in Kentucky is one of the concerns that drivers have to be aware of. Thankfully the rate of teen drinking and driving in the state is significantly lower than the national average. The below statistics represent the percentage of Kentucky drivers that are teenagers who are drinking and driving when compared with national averages.

 

Teen Drinking & Driving in Kentucky vs. Nationwide (2017)

Cheap Auto Insurance in Kentucky

Source: www.NHTSA.gov

SR-22 Insurance in Kentucky

Kentucky is one of the seven states in the US that does not require a SR-22 from drivers that are returning to driving. Still, you will need to have an insurance policy to drive. It’s always a good idea to shop around for different rates — if you have committed an offence, it can make it much more expensive to get a decent policy.

Regardless, it’s important to stay up to date with the most recent regulations and laws in Kentucky. You should contact the driving authorities if you’re confused about your driving status or the type of insurance you need to purchase to begin driving again.

Car Theft in Kentucky

Car theft in Kentucky is significantly lower than the reported national averages. However, car thefts still take place which requires that motorists carry some type of vehicular insurance to protect themselves. The below data shows how Kentucky ranks against other states nationwide in the number of car thefts.

 

Vehicle thefts by rank nationwide vs. Kentucky

Cheap Auto Insurance in Kentucky

Source: www.FBI.gov

Uninsured Motorists in Kentucky

When buying insurance, it is suggested to consider obtaining uninsured and underinsured motorist coverage. If a car accident takes place where the other driver doesn’t have insurance, you will need to carry the costs unless you have this type of coverage in place. The below data shows how well Kentucky ranks in the total number of reported uninsured motorists in the state in the year 2015.

Percentage of uninsured drivers (Top States in 2015)

Cheap Auto Insurance in Kentucky

Source: Insurance Information Institute

Start With these Companies

There are dozens of insurance agencies in various Kentucky cities including Louisville that you can choose from, but there are only a few that consistently come in with the lowest prices possible for consumers.

  • The Cincinnati
  • Progressive
  • Grange Mutual
  • Kentucky Farm Bureau
  • Geico

Historically, these cities offer far lower rates than others, which means you have a better chance of finding a more affordable policy when you look at one of them. It’s not a guarantee your rate will be lower, but you have a better chance of finding a cheaper policy here.

Cheap Auto Insurance in Kentucky

Know What Factors Determine Your Rates

Before you begin asking for discounts and searching for a new policy, you must become familiar with the many factors top auto insurance companies use to determine your rates and eligibility for their insurance. For many, the idea is simple. These factors determine how likely you are to become engaged in an accident, to become the victim of theft, and how risky you are as an insured driver.

  • Your credit score
  • Your driving history
  • Your home address
  • Where you work and what you do
  • Your car

Your credit score provides insurance agencies with a good idea of what kind of repayment patterns you have. It doesn’t tell the entire story, and it won’t cause you to be denied a policy. However, it does tell a story of how responsible you are with your finances. Insurance agencies use this to gauge how responsible you are as a whole, even if it’s not the entire picture and doesn’t tell the whole story. Your driving record is important because it shows insurance agencies how good or bad of a driver you are, so they know if they can offer you discounts or if they need to charge you more for your poor driving habits.

Where you live also matters. Living in Louisville may be different for people living in other cities. This is because many people who live in low economic regions are more likely to experience a theft. It also means most people in the same area are uninsured. You’ll pay more for insurance to make up for their lack of insurance, which is not always fair but it’s what insurance companies require of drivers. Your job also makes a difference in your premium. If you work a job that keeps you on the road often, that is risky to you, or that’s far from your home, you’ll pay more for insurance.

Finally, the type of car you drive is what makes a big difference in the rates you pay. Cars that are larger are typically safer, but cars with large engines are more dangerous. Newer cars have more safety features, and they cost less to repair.

Asking for Discounts

If you have good credit and a positive driving history, it’s a good idea to compare rates with at least three different Kentucky insurance companies. You can call your own insurance company and ask for a discount for being such a good customer for so long. Let them know you joined a professional organization with a discount program, or that you are looking around and then you compare rates. If you can get a better rate by bundling all of your insurance needs, try that. There’s so much you can do to get a better rate than the one you’re paying now, you just have to know where to look and how to ask for a better rate.

Types of Auto Insurance Coverage in Kentucky:

  • Comprehensive Insurance Coverage
  • Bodily Injury Liability Insurance
  • Uninsured/Underinsured Motorist Bodily Injury Insurance
  • Uninsured Motorist Property Damage Insurance
  • Property Damage Liability Insurance

Minimum Requirements For Car Insurance in Kentucky

There are minimum requirements for car insurance in the state of Kentucky. According to the Kentucky Department of Insurance, it is mandatory to have at least liability coverage as well as no-fault personal injury protection.

Liability Coverage minimums for the state of Kentucky:

$10,000 for property damage.
$25,000 per single bodily injury or death

$50,000 per multiple bodily injury or deaths

Personal Injury Protection (PIP or No-Fault)

$10,000 for lost wages, medical expenses, and replacement services for accidents involving injuries.

Source: Kentucky Department of Insurance

Cheap Auto Insurance Discounts

If you want to save even more on the price you pay for car insurance, it is recommended to get auto insurance discounts. Auto insurance discounts can reduce the amount that you have to pay each month for car insurance. At CheapAutoInsurance.co, our goal is to help you save as much as you can on your auto insurance rates. Browse the list below to see if any of the discounts apply to your situation.

  • Anti-theft discount
  • Mature driver discount
  • Military or Veteran discount
  • Bundling insurance policies discount
  • Senior citizen discount
  • Car safety features discount
  • Good student discount
  • Defensive driving discount
  • Low-mileage discount
  • Multi-car auto insurance discount
  • Infrequent usage discount

FAQ

General Kentucky Car Insurance

This section answers the general questions you need to know to understand car insurance in Kentucky. Use this section to form a solid foundation for understanding car insurance.

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What are the different roles of insurance in Kentucky auto accidents?

Each type of insurance provides a different type of protection. For example, in Kentucky drivers must have bodily injury protection and property destruction liability coverage. Bodily injury protection covers medical expenses and property destruction covers the damage to another vehicle, structure, etc.

What is medical expense coverage Kentucky auto insurance?

Medical expense coverage pays for the costs of medical bills up to the limit listed on your insurance policy. It is an aspect of Personal Injury Protection coverage.

What are the auto insurance companies in Kentucky?

There are tons of car insurance companies in Kentucky. Some of the most popular include:

  • Kentucky Farm Bureau
  • State Farm
  • Geico
  • Nationwide
  • State Farm
  • Shelter Insurance
  • Allstate
  • Progressive
  • Erie Auto Insurance
How to take out a new car insurance policy in Kentucky?

All you need to do is find the insurance policy in Kentucky you want and contact the company. We recommend you compare car insurance quotes to ensure you get the best rate. Read more: How much is insurance for a new car?

How to pay car insurance Kentucky?

Every company has their own policies on payment. You’ll need to contact your specific company to find out how to pay. Generally, companies accept checks, automatic debit, and online payments. If you’re still shopping for a policy see if you can find a cheap car insurance low deposit option.

How to obtain auto body insurance in Kentucky?

You can get insurance for your car by selecting comprehensive coverage. That means the insurance company will pay for repairs or replacement for your car in an accident. Learn more about how much to insure a car for.

Kentucky Car Insurance Laws

We’ll cover your questions about Kentucky insurance laws in this section.

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What are the requirements for full coverage auto insurance in Kentucky?

Kentucky has the following insurance minimums to be considered fully covered: $25,000 for bodily injury per person, $50,000 for bodily injury per accident, and $25,000 for property damage.

What is considered full coverage auto insurance in Kentucky?

Full auto coverage in Kentucky isn’t a type of policy anyone sells. It usually refers to comprehensive coverage, which includes the state legal minimum coverage and comprehensive coverage on your vehicle. Plenty of companies offer auto insurance full coverage options at an affordable cost.

What coverage do I need for Kentucky car insurance?

You need two types of coverage for your car insurance in Kentucky. You need bodily injury protection up to $25,000 per person and $50,000 per accident. You also need property damage liability for $25,000.

In Kentucky, how long do I have to get car insurance?

When you move to Kentucky you have 15 days to register your car with the state. You need proof of insurance to get your registration. Therefore, you have a maximum of 15 days.

What is the lowest car insurance coverage I can get in Kentucky?

The lowest insurance coverage you can get is the state legal minimum of $25,000/$50,000/$25,000. You can also get a policy with a single limit of $60,000.

Does Kentucky have anything where someone with no insurance gets their tags removed from the car?

There is a mandatory insurance law in Kentucky. If you don’t have insurance then you can get your registration suspended and a fine.

What kind of violation is no car insurance considered in Kentucky?

No car insurance is a Class B Misdemeanor. You’ll face a fine of $500-$1,000 the first time and $1,000 to $2,500 for the second offense.

In Kentucky law, when does first DUI fall off traffic record for auto insurance?

Your first DUI conviction remains on your driving record for 5 years in the state of Kentucky. You may be able to reduce this time at court. Some say it is possible to get cheap auto insurance with DUI conviction however it will still be higher than without the record of course.

What is the penalty for not having car insurance in Kentucky?

That depends on whether this is your first offense or a repeat offense. The first offense carries a penalty of $500-$1,000 and up to 90 days in jail. The second offense results in a fine of $1,000 to $2,500 and 180 days in jail. You also have your registration suspended for 1 year and 2 years for every offense after the second.

What happens if you don't have car insurance in Kentucky?

If you don’t have car insurance in Kentucky and you get in an accident, then you’ll be responsible for any damage you’re at fault for in an accident. You’ll also face a steep fine, have your car registration suspended, and possible jail time.

What are the insurance laws when buying a used car in Kentucky?

This changes depending on your policy. You should contact your insurance company to find out what your policy allows when it comes to buying a used car and when you need to insure it specifically. In the meantime we make it easy to get car insurance online when you’re ready.

How long do I have to get insurance on a used motorcycle?

It depends on your company’s policies and the state where you live. You should contact your insurance company as soon as possible to make sure you’re driving legally. If you don’t have coverage already then compare motorcycle insurance quotes right now to see what company has the best rates for your area.

Kentucky Car Insurance Prices

This section answers the questions you have about Kentucky car insurance prices.

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Why did my Kentucky state auto insurance premium increase for 2018?

Auto insurance premiums have been going up nationally. The rate of increase was in line with the national average. However, your costs may have gone up due to several possible factors. You need to contact your insurance company for more information.

Why is Kentucky car insurance so expensive?

Kentucky car insurance is actually a bit less expensive than the national average. In 2018, the average nationwide was $1,009 and Kentucky’s average is $939. We help you find the best affordable car insurance with a comparison quote above.

How expensive is car insurance Kentucky?

Kentucky is below the national average for car insurance costs. Nationally, the average cost was $1,009 in 2018. In Kentucky the average was $939. Its a bit more expensive than neighboring Tennessee. However this may be different for Tennessee sr22 insurance or other insurance types.

How much for car insurance rates Kentucky basic only?

On average, the best companies for minimum coverage auto insurance in Kentucky were Kentucky Farm Bureau at $392 per year, State Farm at $533 per year, and Geico at $794 per year. Depending on your driving history and car, your results may differ and using our car insurance price comparison above will help you find the best rates.

What is the cheapest Kentucky car insurance?

That depends what you’re looking for. Kentucky Farm Bureau is cheapest for most people. On average, their minimum coverage costs $33 per month. State farm is the best option for drivers with poor credit at a cost of $246 per month. Read more: How much is the cheapest car insurance?

What cheapest car insurance in Kentucky with DUI?

The best rate for drivers with a DUI comes from Allstate, which costs $250 per month on average for DUI drivers. However, to find cheap sr22 insurance it is best to compare rates from multiple companies to get the cost down as much as possible.

What is the best auto insurance in Kentucky for senior citizens?

State Farm has the best rates for senior citizens in Kentucky. On average they charge $78 per month for insurance for people 65 and older. Check out the best auto insurance for seniors over 80. Also take a look at classic car insurance reviews if your car is old enough.

How much does car insurance go up after a DUI in Kentucky?

That depends on lots of other factors, like the injuries involved, what your BAC was, how many offenses and what other offenses you have, and so on. You’ll need to contact your specific insurance company to find out more.

How much does typical car insurance cost in Kentucky?

On average drivers in Kentucky pay $939 per year for insurance. That’s a bit below the national average of $1,009 per year.

In Kentucky what is the surcharge on car insurance premiums?

The insurance surcharge on car insurance is there to pay for the costs of providing monitoring and regulation of the insurance industry. 

How much is car insurance for an 18-year-old female in Kentucky?

The average car insurance for 18 year old female in Kentucky will be about $1,227 per year. To get the cheapest insurance for young drivers they’ll either need to be on their parents insurance or get quotes from multiple companies and make them compete. 

How much should liability car insurance cost in Kentucky?

The cost of liability coverage depends on many different factors like your car, your driving record, age, gender, and so on. On average, minimum liability insurance in Kentucky costs about $540 per year. To find cheap liability only car insurance simply complete our quote form above.

How much does one auto accident raise your insurance in Kentucky?

There’s no one formula to determine how much a single event will raise your insurance costs in Kentucky. The specifics in the accident and tickets issued will all play a role in determining your new insurance premiums.

Which is the best auto insurance bundles for Kentucky?

Esurance has one of the best home plus auto insurance bundle deals in Kentucky. You can save up to 10% on the cost of insurance by getting both of your policies through Esurance. Some people even do an auto and renters insurance bundle if they don’t own their own home.

Kentucky Farm Bureau Questions

Kentucky Farm Bureau is one of the most popular insurance providers in the state. This section answers questions about their services.

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Is Kentucky Farm Bureau a good car insurance company?

Kentucky Farm Bureau is a good car insurance company. They offer the best rates for nearly everyone in the state and are very popular with drivers. Compare them to Safe Auto Insurance reviews as they seem to be good too.

How do I transfer insurance to my new car with Kentucky Farm Bureau?

The best way to transfer your insurance is to call the customer help line on your insurance card. It will put you in touch with an agent who can help you set up insurance for your new car. 

What types of auto insurance discounts does Kentucky Farm Bureau have?

Kentucky Farm Bureau has several types of auto insurance discounts. They include:

  • Good Student Discount
  • Driver’s Training Discount
  • Safe Driver Discount
  • Defensive Driving Course Discounts
  • Auto Safety Device Discounts
  • Multi-vehicle discount
  • Active property discount
  • School bus driver discount
  • Umbrella discount

Also check out car insurance for military members if you and your family qualify.

 

How do I transfer my Kentucky Farm Bureau insurance from my old car to my new car?

Call the help number on the back of your insurance card or log into your account online. You’ll be put in touch with an agent who can help you transfer your insurance from your old car to your new car. If you aren’t able to transfer then don’t worry because you can get same day car insurance with another company if you need to.

Kentucky Car Insurance Claims and Coverage

This section covers questions you have about how car insurance claims and coverage work in Kentucky.

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How long do you have to report a car accident to your insurance in Kentucky?

The policy may change depending on your specific insurance policy, but by law you have one year to file a lawsuit for injury and two years to file a lawsuit for property damage.

What does liability auto insurance cover in Kentucky?

In Kentucky, liability auto insurance covers damages to people and property. State law says your insurance must provide a minimum coverage of $25,000 for personal injury per person, $50,000 for personal injury per accident, and $10,000 for property damage.

How long do you have to claim damages on car insurance in Kentucky?

Each company may have different time restrictions based on their own policies, but state law gives you one year to file a lawsuit regarding personal injuries and two years to file a lawsuit for property damage.

How does no fault auto insurance work Kentucky when damage is to my car?

No-fault auto insurance usually only refers to medical liability coverage. However, you should check the details of your specific policy to see if your comprehensive coverage has a no-fault clause.

In Kentucky, who is liable for a car without insurance?

Usually the driver of the car is liable. However, the owner of the car may be liable as well, depending on the specifics of a given event. Related: How to find cheap car insurance no license options.

How are auto insurance claim disputes handled in Kentucky?

You can take your case to the Kentucky Department of Insurance. They will conduct an investigation and make a report. You can also talk to a lawyer about filing a lawsuit against the company.

What happens if you get into a car accident your fault without insurance in Kentucky?

If you’re at fault in the accident and don’t have insurance then you’ll be liable for any civil damages like bodily injury and property damage. You also face criminal penalties for driving without insurance and other possible violations.

How do I file an auto accident claim with State Farm insurance in Kentucky?

The easiest way to file an auto accident claim in Kentucky with State Farm insurance is to call the number on the back of your insurance card. This will put you in touch with your agent who will start to process your claim.

How long can car insurance see your accident in Kentucky?

Any criminal violation will stay on your record for five years. The points from the violation will be removed two years from the date of conviction. Your insurance company may have other ways about finding out about accidents. Related: Can you insure a car with a rebuilt title?

Other Kentucky Auto Insurance Questions

We’ll cover questions that don’t fit into our other sections here.

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How to file complaint against auto insurance company in Kentucky?

The best way to file a complaint against an auto insurance company in Kentucky is to contact the Kentucky Department of Insurance. They’ll help you with your complaint and investigate if necessary.

Why did Kentucky increase auto insurance?

The state didn’t increase auto insurance. However, insurance rates went up across the country. On average, Kentucky pays less than the rest of the country. Talking to different car insurance brokers locally may help you find better rates in addition to using our quote form above.

How long do you have to purchase insurance on a car in Kentucky?

You need to purchase car insurance before you can get your car registered. You’ll need to get your car registered within 15 days of purchase. It’s best to transfer your insurance immediately upon purchasing the car. Some people opt for cheap temporary car insurance until they can find a long term solution.

What is the insurance law for totaling a car in Kentucky?

Each company has their own policies regarding totaled cars. You can get your totaled car back, but the insurance company can deduct a salvage fee from your insurance payout.

How much does gap insurance add to the cost of a loan each month on a car in Kentucky?

This can change based on several different factors. It depends on the specific car, your loan rate, and your standard insurance coverage. You’ll need to enter your specific information to get a quote. Read more: Is gap insurance worth it?

Up to what age can your child stay on your auto insurance in Kentucky?

There’s no set age where your child must be removed for your car insurance, unlike health insurance. However, your child must be living at home for them to stay on your policy. They need their own policy as long as they live somewhere else for a reason other than school.

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