Kentucky Auto Insurance Requirements & Rates
Kentucky requires 25/50/25 liability coverage and is a no-fault state.
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Kentucky at a Glance
25/50/25
Minimum liability limits, in thousands of dollars (per person / per accident / property)
No-fault
Each driver's own policy pays their injuries first, whoever caused the crash
Required
PIP coverage must be on every policy
Source: state DMV, insurance department and statute records, verified July 2026
State Requirements
Kentucky operates under a choice no-fault system, meaning drivers select either Traditional Tort or Basic Personal Injury Protection (PIP) coverage at policy purchase. All drivers must carry proof of insurance and file verification with the Kentucky Transportation Cabinet.
Bodily Injury Liability
Property Damage Liability
Personal Injury Protection (PIP)
Uninsured/Underinsured Motorist Coverage
Collision and Comprehensive Coverage
Cost Overview
about $87/mo
Average car insurance spending in Kentucky
Rate data: NAIC Auto Insurance Database, 2023
What Affects Your Rate
- Rural Appalachian counties show lower base rates but higher comprehensive claims from deer collisions, which peak October through December and account for thousands of Kentucky claims annually.
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Compare Auto Rates for FreeFrequently Asked Questions
What is Kentucky's choice no-fault system?
Kentucky gives drivers a one-time choice at policy inception between Basic PIP (no-fault) and Traditional Tort coverage. Basic PIP covers your medical expenses regardless of fault but limits your right to sue except in cases of death, permanent injury, or disfigurement. Traditional Tort allows full lawsuit rights but provides no PIP medical coverage. You cannot change this selection mid-policy.
Coverage Types
Liability Insurance
Covers injuries and property damage you cause to others. Kentucky's 25/50/25 minimum often proves inadequate in serious crashes—consider 100/300/100 limits if you own a home or have significant assets.
Full Coverage
Combines liability, collision, comprehensive, and uninsured motorist into a complete package. Required by lenders and recommended for vehicles worth more than $5,000 or drivers who can't afford out-of-pocket repairs.
Comprehensive Coverage
Pays for non-collision damage: theft, vandalism, weather, falling objects, and animal strikes. Covers glass damage and environmental hazards with a deductible you select, typically $250–$1,000.
Uninsured Motorist Coverage
Protects you and your passengers when hit by a driver with no insurance or insufficient coverage to pay your medical bills and vehicle damage. Kentucky law requires insurers to offer this coverage.
Collision Coverage
Pays to repair or replace your vehicle after a crash with another car or object, regardless of who's at fault. You choose the deductible—higher deductibles lower your premium but increase out-of-pocket costs per claim.
SR-22 Insurance
Not a separate coverage type but a certificate of financial responsibility filed with the Kentucky Transportation Cabinet after DUI, driving uninsured, or serious violations. Required for three years in most cases.