Kentucky Car Insurance


The state of Kentucky is relatively small in comparison to the rest of the country. Despite its small size, there are still more than 3 dozen different car insurance companies competing for business from drivers within the state. Kentucky drivers have no choice but to prove financial responsibility by purchasing car insurance from a state-approved company. At we have all of the information you’ll need to make an educated purchasing decision.

Minimum Car Insurance Requirements in Kentucky

Kentucky law states that all car insurance policies must include bodily injury liability coverage in the amount of $25,000 per person and $50,000 per accident. The policy must also include a property damage liability limit of $10,000. These limits will pay for the medical bills or damages another driver incurs as a result of your negligence in causing an accident.

The state of Kentucky is no-fault, which means your insurance company will be responsible for your initial medical bills regardless of who is responsible for causing the accident you are involved in. Your policy must provide you with at least $10,000 of no-fault coverage (sometimes referred to as PIP or personal injury protection). This coverage will pay not only for your medical bills but for your loss of income or for aid you may need in your home as you recover.

These limits, while the state minimum, are too low to properly protect you if you are in a serious accident. You can purchase higher coverage limits by talking to your insurance agent and requesting additional quotes.

Optional Insurance Coverage

There are several optional insurance coverage pieces you may also want to consider adding to your car insurance policy. Those with newer vehicles should consider purchasing comprehensive and collision coverage in order to pay for theft, vandalism, or damages they may cause to their own vehicle. Individuals who have an active loan or lease may be required by contract to purchase these two coverage options. Ask your insurance representative about these and other optional limits.

Car Insurance Discounts in Kentucky

Kentucky car insurance premiums can be high and have been reported at times to be around 10% higher than the national average. Most car insurance companies offer a series of discounts you can use to reduce your insurance premiums. Ask your insurance representative about good student discounts, accident free discounts, defensive driver discounts, AARP discounts, and others. Chances are you’ll qualify for at least one or two reductions.

Let Help

The penalties for driving without insurance in Kentucky include large fines, registration revocations, and the suspension of your driver’s license. The cost of paying the fines, reinstating your rights, and proving insurance will end up far more expensive than simply purchasing car insurance in the first place would have been. can help you avoid a nasty situation by putting you in touch with several local car insurance companies, all with great customer service reputations. Simply put your zip code into the box below and we’ll get you started. It’s that simple!

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