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 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
  • 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.1



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.

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 is the average cost of car insurance in Kentucky?

The average cost of car insurance in Kentucky was $1,8792 per year in 2021 according to That's 23% 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 are3
  • 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.

U.S. Map with Kentucky state highlighted

What Kentucky car insurance coverage is right for you?

All Kentucky drivers must have the state minimum auto insurance coverages. But, based on your budget and needs, you may want to consider higher limits 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?

Liberty Mutual knows that everyone has different needs for their Kentucky auto insurance. Some may want the cheapest Kentucky car insurance, while others want more coverage and an auto insurance company they know they can trust. We can help you customize your Kentucky car insurance, so you only pay for what you need.

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Who has the cheapest car insurance in Kentucky?

Getting the cheapest car insurance in Kentucky sounds great but it could cost you when you need it most. Beyond cost, you should also make sure the company you pick is reliable in case you're in an accident.

A Liberty Mutual auto insurance policy can cost less than you think.4

  • $817 lower than GEICO
  • $731 lower than Progressive
  • $839 lower than State Farm
  • $758 lower than Allstate

Discounts that help you save


Online Purchase Discount

Buy your policy online and save. It's that simple.5

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Convenience and savings — need we say more? Combine your policies and get a discount.6


Get rewarded for your good driving behavior by saving up to 30% on your policy.7

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1Minimum coverage amounts are subject to change.
3As stated on Wallethub as of March, 2023
4Average savings validated by new customers who switched to Liberty Mutual between 10/2021 and 09/2022 and participated in a countrywide survey. Carrier-specific figures reflect average savings for customers who switched to Liberty Mutual from the listed carriers. Savings may vary. Comparison does not apply in MA.
5NOT AVAILABLE IN CA, NY, HI, MT, WY, ND, SD, AK, NC. Discount amount varies by state and reflects average savings as applied to certain auto coverages.
6Discounts and savings are available where state laws and regulations allow, and may vary by state. Certain discounts apply to specific coverages only. To the extent permitted by law, applicants are individually underwritten; not all applicants may qualify.
7The RightTrack® discount applies only to the base coverages on the participating vehicle, which may include Bodily Injury, Property Damage, Comprehensive, Collision, Personal Injury Protection (PIP) or Medical Payments, Uninsured Motorist, and Underinsured Motorist (subject to state availability), and excludes fixed expenses (where applicable). Initial discount may vary by state and is replaced with a final discount upon completion of a review period. Not available in all states. Coverage provided and underwritten by Liberty Mutual Insurance Company or its subsidiaries or affiliates, 175 Berkeley Street, Boston, MA 02116. © 2024 Liberty Mutual Insurance