Kentucky car insurance

Common questions about Kentucky
auto insurance

Need car insurance in Kentucky? Whether you live in Louisville or Lexington, Liberty Mutual Insurance can help you save on car insurance! From Liability Protection to Comprehensive Coverage, we've got you covered. We'll help you customize your Kentucky auto insurance, so you only pay for what you need.

What car insurance is required in Kentucky?

In Kentucky, it's illegal to drive without insurance. Drivers in Kentucky are required to have car insurance coverage for

Bodily Injury to others
Property Damage Liability
Uninsured Motorist Coverage
Personal Injury Protection

Here are the minimum auto insurance limits drivers must have in Kentucky.²

Coverage	Amount
Bodily Injury to Others	$25,000 per person and $50,000 per accident
Property Damage Liability	$25,000 per accident
Uninsured Motorist Coverage	$25,000 per person and $50,000 per accident
Personal Injury Protection (PIP)	$10,000 per accident

Check out the Kentucky Transportation Cabinet for more details.

What's considered "full coverage" car insurance in Kentucky?

"Full coverage" car insurance can mean different things to different people. Legally, in the state of Kentucky you're only required to have the state Liability minimums.

However, "full car coverage" or "full coverage" is often thought of as having the state minimums and

Comprehensive Coverage: helps pay for damages caused by events like hail, fire, or theft
Collision Coverage: helps cover the cost to fix damage to your car from an accident with another car

For leased or financed cars, most lenders require having Comprehensive and Collision Coverage.

We'll make sure you get the coverage you need in Kentucky when you get an online auto insurance quote.

Is Kentucky considered a no-fault insurance state?

Yes, Kentucky is a choice no-fault insurance state. In general, "no-fault" means that each person uses their own insurance to cover any injury related medical bills and costs due to an auto accident. In KY, this coverage is called Personal Injury Protection (PIP) and can be used regardless of fault. The minimum required is $10,000 per accident.

For injuries related to an auto accident, PIP can help cover

Medical bills
Lost wages
Out of pocket expenses like hiring someone to perform household tasks you can't due to injuries, and more

Because KY is a choice no-fault insurance state, you can choose to opt out when you buy car insurance. By opting out, you

Have the right to pursue a liability claim or personal injury lawsuit against the at fault party
Can reject PIP coverage and benefits
Open yourself up to the risk of being sued if you're at fault for an auto accident

You should keep all these things in mind when you choose your coverage.

What's the average cost of car insurance in Kentucky?

The average cost of car insurance in Kentucky was $2,926³ per year in 2024 according to thezebra.com. That's 34% higher than the national average. Of course, your auto insurance cost depends on many factors including your age, where you live and driving history.

In the state of KY, some factors that make car insurance more expensive are⁴

Higher average traffic fatalities
Rise in amount of uninsured drivers
Increase in the cost of auto repairs
Higher healthcare costs

These are also good things to keep in mind when choosing your coverages. Some people get the minimum coverage, while others prefer more protection. Liberty Mutual can save you money on Kentucky auto insurance with a customized policy so you only pay for what you need.

See how much you could save on car insurance

U.S. Map with Kentucky state highlighted

Who has the cheapest car insurance in Kentucky?

Getting the cheapest car insurance in Kentucky may sound great, but that cheap rate can come at a cost when you need it most. You want auto insurance that's affordable, but even more importantly — reliable, in case you have an accident.

A Liberty Mutual auto insurance policy can cost less than you think.⁵