Q: What is the best Kentucky auto insurance for a new driver? I just got my license and my parents do not want to add me to their insurance. Any advice? Thank you. A: Unfortunately as a young driver the best Kentucky auto insurance you'll be able to purchase will still cost more than it would for a driver with more experience. All new drivers are faced with higher insurance premiums because statistics show teen drivers are more likely to be involved in an auto accident. All drivers in Kentucky are required to purchase automobile insurance that will cover a minimum of $60,000 dollars per accident. You must also keep proof of insurance in your vehicle at all times or risk a fine and possible loss of license. The best auto insurance option will boil down to what you can afford. I understand your parents reluctance to add you to their insurance policy, but they may not be aware that since you are a minor they may be responsible for any accident you are involved in if you do not have enough insurance coverage. If they take this into consideration it may actually be less expensive and offer more protection for their assets if they do add you to their policy. We strongly recommend that you take the time to shop rates online by comparing quotes from several different auto insurance providers. Doing this will ensure that you receive the best possibly coverage at the cheapest price. Good luck with your search for car insurance! Looking for the best young driver car insurance? Compare young driver car insurance quotes at today.