Lexington Fayette Car Insurance Resources

Lexington Fayette, KY Car Insurance

Cars Insured in Lexington Fayette

^ There are an estimated 207,886 vehicles currently insured in Lexington Fayette. ^[1]

Car Insurance Rates in Lexington Fayette

^ From 2006 to 2010, Kentucky cities had the 29th highest auto insurance rates in the nation. ^[2]

Uninsured Motorists in Lexington Fayette

^ There are an estimated 35,915 uninsured motorists driving in Lexington Fayette. ^[3]

Lexington Fayette Car Insurance

Car Insurance Liability Requirements in Lexington Fayette

Minimum Liability Limits in Lexington Fayette: 25/50/10 ^[4]
- 25 Required coverage up to $25,000 for one individual injured in an accident
- 50 Required coverage up to $50,000 for all persons injured in an accident
- 10 Required coverage up to $10,000 for property damage in an accident
- Note: The amounts listed above are the minimum coverage amounts required by the law. Drivers can opt to purchase more than the mandatory minimum amounts.
- Note: Instead of policy limits, policyholders can satisfy the requirement with a combined single limit policy.

Chart: Required coverage in the U.S.

Required Car Insurance Coverage in Lexington Fayette

Lexington Fayette Auto Insurance Coverage Requirements ^[4]
- Bodily injury liability coverage
- Property damage liability coverage
- Personal injury protection coverage

Car Insurance Verification Laws in Lexington Fayette

Insurer Verification of Auto Insurance in Lexington Fayette ^[4]
- Insurer must notify Department of Motor Vehicles or other state agency of cancellation or nonrenewal.
- Insurers must submit entire list of insurance in effect, which may be compared with registrations at a state agency. Also known as a computer data law.

Lexington Fayette Car Insurance Facts, Estimates & Related Laws

Lexington Fayette Car Insurance Stats

Number of Auto Insurance Policies in Lexington Fayette
- Based on historical and current data, 207,886 cars are currently insured in Lexington Fayette. ^[5]
- Kentucky cities collectively ranked 25th in the nation in auto insurance policies in 2011 with a total of 3,049,647. ^[1]
Uninsured Motorist Rate in Lexington Fayette
- Based on historical and current data, Lexington Fayette has an estimated 35,915 uninsured drivers. ^[6]
- Kentucky cities collectively had the 8th highest uninsured motorist rate in the nation in 2009. ^[3]
Average Car Insurance Rates in Lexington Fayette
- Kentucky cities collectively had the 27th highest auto insurance rates in the nation in 2010. ^[2]

Lexington Fayette Distracted Driving Laws

Hand-held phone ban? No
Texting-while-driving ban? Yes

Texting-while-driving ban in place for all drivers. ^[7]

Young drivers cell phone ban? Yes

Ban applies to drivers younger than 18. ^[7]

Bus driver cell phone ban? Yes

Ban applies to school bus drivers. ^[7]

Enforcement of laws:

Primary enforcement in effect. ^[7]
With primary enforcement, a police officer can pull over a driver for that specific offense. Drivers cannot be pulled over solely for a secondary offense.

Lexington Fayette Automotive Laws

Minimum Driving Age in Lexington Fayette ^[9]
- Lexington Fayette, KY minimum driving age: 16 years.
Driver's License Renewal Cycle in Lexington Fayette
- Renewal cycle: 4 years ^[7]
Motorcycle Helmet Laws in Lexington Fayette
- Motorcycle helmets required for 20 and younger. ^[7]
- All riders younger than 21 years are required to wear helmets, without exception. Those 21 and older may ride without helmets only if they can show proof that they are covered by a medical insurance policy. * Also covers operators with instructional/learner\'s permits. ^[7]
Safety Belt Laws in Lexington Fayette
- Safety belt laws have been in place since 1994 and apply to drivers/passengers 6 and younger and more than 50 inches in all seats; 7+ in all seats. ^[7]
- Child restraint law in place for 40 inches or less in a child restraint; 6 and younger who are between 40 and 50 inches tall in a booster seat. ^[7]

Kentucky Car & Driver Facts

Kentucky Auto Registrations

Auto Registrations in KY ^[8]
- Registered Cars: 1,883,309
- Registered Trucks: 1,770,584
- Registered Motorcycles: 98,495
- Total Registrations: 3,763,027
- Rank: Kentucky ranked 26th in the United States in total auto registrations in 2011.

Kentucky Automotive Facts

Speed Limits in KY
- Rural interstates: 65 mph (70 mph on specified segments of road) ^[7]
- Urban interstates: 65 mph ^[7]
- Other roads: 55 mph ^[7]
Kentucky Motor Fuel Consumption
- Kentucky cities collectively ranked 25th in the nation in total motor fuel consumption in 2011. ^[10]

Kentucky Licensed Drivers

Licensed Drivers in KY ^[11]
- Female Drivers: 1,498,660
- Male Drivers: 1,461,221
- Total Drivers: 2,959,881
- Rank: 27th highest in the U.S.

Additional information about Lexington Fayette, KY

About Lexington Fayette

Lexington Fayette (Kentucky) is a city with a population of 295,803 ^[12] that is located in Fayette County.

More about Lexington Fayette auto insurance

For more information about Lexington Fayette car insurance, or for additional resources regarding Kentucky car insurance overall, visit the Kentucky Department of Insurance.

Did you know?

Only three states (Arizona, Montana, and South Carolina) do not have any ban in place on texting while driving.

References

1. ^ Automobile Insurance Plans Service Office (AIPSO)

2. ^ National Association of Insurance Commissioners (NAIC)

3. ^ Insurance Research Council (IRC)

4. ^ Insurance Information Institute (III)

5. ^ Automobile Insurance Plans Service Office (AIPSO) & United States Census Bureau

6. ^ Insurance Research Council (IRC) and United States Census Bureau

7. ^ Insurance Institute for Highway Safety (IIHS) & Highway Loss Data Institute

8. ^ Office of Highway Policy Information

9. ^ Insurance Institute for Highway Safety (IIHS)

10. ^ U.S. Department of Transportation

11. ^ Federal Highway Administration

12. ^ United States Census Bureau

13. ^ National Highway Traffic Safety Administration (NHTSA)

14. ^ National Telecommunications & Information Administration (NTIA)