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Kentucky’s minimum car insurance coverage requirements

While every state has some sort of mandatory guideline regarding car and auto insurance coverage, the minimum limits vary by state.  The following is a breakdown of minimum liability requirements for Kentucky:

Is it mandatory to have car insurance in Kentucky?  


What are the minimum limits for Kentucky? 

$25,000 bodily injury per person 
$50,000 bodily injury per accident 
$25,000 property damage per accident



Dairyland® coverage in Kentucky

At Dairyland, we’re proud to be able to help drivers in Kentucky meet their insurance needs. Here are some of the parameters of our insurance coverage in Kentucky:

What is the maximum bodily injury liability and property damage limit Dairyland offers in Kentucky?

$50,000 bodily injury per person 
$100,000 bodily injury per accident 
$50,000 property damage per accident



What liability coverages are required to be offered in Kentucky? Can a customer reject them?

Bodily Injury and Property Damage coverage must be offered. No-Fault Tort protection (right to sue/be sued) must be provided in association with Bodily Injury coverage, but can be rejected. Rejection of Tort Limitations also requires state-mandated forms to be fully completed and properly filed with the state of Kentucky. Personal Injury Protection must be offered, but if No-Fault Protection is rejected, Guest Passenger Personal Injury Protection is still required as minimum Personal Injury Protection coverage. There is generally not an overall premium advantage to rejecting No-Fault Protection. Uninsured Motorist Bodily Injury coverage must be provided unless rejected.

What are all the coverages Dairyland offers in Kentucky?

  • Medical Payments
  • Uninsured Motorist/Underinsured Motorist Bodily Injury
  • No-Fault Tort protection
  • Personal Injury Protection
  • Comprehensive
  • Collision
  • Lienholder Deductible
  • Special Equipment
  • Rental Reimbursement
  • Roadside Assistance
  • Bodily Injury
  • Property Damage

What’s the oldest a vehicle can be to get Dairyland’s comprehensive and collision coverage in Kentucky?  

20 years 

How far back does Kentucky go to look at violation history? 

3 years

What additional policy types are offered in Kentucky? 

Named Non-Owner

Is an insurance score used in my rating in Kentucky? If so, is it mandatory?

Yes, an insurance score is used for rating in Kentucky, but you can opt out.

What policy terms does Dairyland offer in Kentucky? 

6 months only

What is Dairyland’s minimum down payment option in Kentucky? 

16.66% with five installments

Are SR22s used in Kentucky?  If so, is there a fee assessed by Dairyland? Is it filed electronically? 

Kentucky doesn’t have SR-22s, but they are available for out-of-state filings, with no fee and can be filed electronically.

What discounts are available from Dairyland in Kentucky?

  • Multi-car
  • Homeowner (includes responsible renter—e.g., carries rental policy)
  • Prior insurance
  • Paid in full
  • Advance quote
  • Defensive driver
  • Anti-theft
  • Quarterly
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