Collision insurance pays to repair or replace your own vehicle after an accident, regardless of who's at fault. In Kentucky, adding collision to a liability-only policy typically adds $40-$80/month depending on your vehicle, deductible, and driving record.
(888) 217-6781Collision covers damage from hitting another car, a tree, guardrail, or rolling your vehicle — any impact. It does not cover theft, weather damage, or animal strikes (that's comprehensive). In Kentucky, collision is not legally required, but your lender will require it if you're financing or leasing.
If your car's current value is less than 10× your annual collision premium, the coverage may not be worth it. For example, if collision adds $600/year and your car is worth $4,000, consider dropping it and self-insuring.
| Insurance Company | 6-Month Premium | Monthly Cost |
|---|---|---|
| GEICO ⭐ | $888 | $148/mo |
| Kentucky Farm Bureau | $912 | $152/mo |
| Progressive | $996 | $166/mo |
| State Farm | $1,092 | $182/mo |
| Allstate | $1,332 | $222/mo |
Rates based on 2026 data for a 35-year-old driver with good credit and clean record. Your rate will vary.
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