Cheap auto insurance in Kentucky

Illustration of Mammoth Cave in KentuckyIllustration of Mammoth Cave in Kentucky

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



Auto coverages in Kentucky

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 liability limit offered in Kentucky?

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



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

Bodily injury liability and property damage liability 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.

Uninsured motorist bodily injury coverage must be provided unless rejected.

What coverages are available in Kentucky?

  • Medical payments

  • Uninsured motorist bodily injury

  • Underinsured motorist bodily injury

  • No-fault tort protection

  • Personal injury protection

  • Comprehensive

  • Collision

  • Lienholder deductible

  • Special equipment

  • Rental reimbursement

  • Roadside assistance

  • Bodily injury liability

  • Property damage liability

  • Car loan protection

What’s the oldest a vehicle can be to get 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?

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

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

What policy terms are available in Kentucky?

6 and 12 months

What is the minimum down payment option in Kentucky?

10% with 11 installments is available for 12-month term

Are SR22s used in Kentucky? If so, is there a fee? Is the SR-22 filed electronically?

Kentucky doesn’t have SR22s, but they are available for out-of-state filings, with no fee and can be filed electronically.

What discounts are available in Kentucky?

  • Multi-car

  • Homeowners (includes responsible renter—e.g., carries rental policy)

  • Prior insurance

  • Paid in full

  • Quarterly

  • Advanced quote

  • Defensive driver course

  • Anti-theft

Get insured