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Kentucky Car Insurance
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Common questions about Kentucky auto insurance
Need car insurance in Kentucky? Whether you live in Louisville or Lexington, Liberty Mutual has you covered. From liability protection to comprehensive coverage, we 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 the following car insurance coverage: bodily injury to others and property damage liability.
This chart shows the minimum auto insurance drivers are required to have in Kentucky for these coverages.1
Coverage | Amount |
|---|---|
| Bodily Injury to Others | $25,000 per person and $50,000 per accident |
| Property Damage Liability | $10,000 per accident |
For more information, check out the Kentucky Transportation Cabinet.
What is the average cost of car insurance in Kentucky?
The average cost of car insurance in Kentucky is $1,848 per year according to thezebra.com.2 That’s 24.2% higher than the national average. Of course, your auto insurance cost will depend on many different factors including your age, where you live and your driving history.
Some people get the bare minimum coverage, while others prefer the comfort and security of more protection. Liberty Mutual customizes your Kentucky auto insurance, so you only pay for what you need.
What Kentucky car insurance coverage is right for you?
The chart above shows the minimum Kentucky auto insurance you need. But depending on your budget and needs, you might want to consider increased coverage for more protection. We’ll help you customize your Kentucky car insurance to get the coverage that fits you. See all of our auto coverage options.
What is the best car insurance in Kentucky?
NerdWallet named Liberty Mutual one of the best car insurance companies in 2022.3 That’s because we understand that everyone has individual needs when it comes to their Kentucky auto insurance. Some might want the cheapest Kentucky car insurance, while others want more coverage and an auto insurance company they know they can trust. Let us help you customize your Kentucky car insurance, so you only pay for what you need.
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.4
- $617 lower than GEICO
- $659 lower than Allstate
- $643 lower than Nationwide