Non-Owner Car Insurance in Kentucky
Numbers refreshed
Liability protection for Kentucky drivers who don't own a car.
- $56.Average monthly liability cost for owners.
- 25/50/25.Lowest liability limits required.
- It ranks 36th among 51 states for expense (1st = highest).
People suited to non-owner insurance
- Often, you drive borrowed or rented cars but don't own one.
- You have no car to insure. The state or a court asks you for proof of insurance.
- You want coverage to continue between cars, because a gap can raise your next price.
What this policy covers
A non-owner policy provides liability coverage only. A policy of this type must reach Kentucky's required 25/50/25 limits.
If you cause a crash while driving a borrowed car, it pays other people. Repairs for the car you're driving aren't covered; payment usually comes first from the owner's policy.
How much it costs
For non-owner policies, no official average exists. For car owners, Kentucky's average liability cost is $673 a year. Non-owner policies usually cost less because you don't have a car sitting in your driveway every day.
Additional information on car insurance in Kentucky
First written