How long does an inexperienced motorists rate apply to insurance companies in Kentucky?  I am a new driver and my auto insurance rates are higher than I was expecting them to be.

Jeff

Louisville, KY

Each insurance companies in Kentucky is different in their rating factors; this includes their insurance rates for inexperienced and young drivers. For some auto insurance companies it is three years for others it can be 5 to 9 years that an insurance company will term and rate someone as inexperienced.

Some companies do not look at the date that the driver was first licensed at all, but use their age as the only rating factor. When the age of the driver is the thing being looked at, typically a motorist under the age of 25 is considered inexperienced.

If you have just recently received your driver’s license you should shop around for car insurance to find the best insurance rates for your car and level of experience behind the wheel of it.