State requirements for Kentucky car insurance
What are the state minimum requirements for auto insurance in Kentucky?
Kentucky drivers are required to carry Liability insurance—both Bodily Injury and Property Damage, which can be combined into Single Limit Liability (SLL) coverage. Kentucky also requires drivers to carry Personal Injury Protection (PIP), or no-fault insurance.
Liability coverage helps to pay for property damage or bodily injuries that occur from a car accident you cause. It doesn’t cover you or your family members—that’s why medical coverage like PIP is required. Liability also doesn’t cover your vehicle (but Collision and Comprehensive coverages do).
Minimum Liability insurance in KY:
$25,000 Bodily Injury (per person)
$50,000 Bodily Injury (per accident–multiple people injured)
$10,000 Property Damage
You can always choose to select higher limits.
Personal Injury Protection
No-fault car insurance—also called Personal Injury Protection (PIP)—covers your household family members and your medical costs after an accident, regardless of who is at fault for the accident. Claims against the at-fault driver can be filed after the PIP benefits are exhausted. The minimum coverage limit is $10,000 per person.
What is the average cost of car insurance in Kentucky?
Kentucky is the 15th most expensive state in the country, which means people in the Bluegrass State are paying an average of $1,621 for car insurance. However, many people in Kentucky are paying even more. But there’s good news—Root customers could save up to $900 a year on their car insurance.