Kentucky
Kentucky

Find out how much you can save on Kentucky car insurance.

Download the app. Take a test drive around the Bluegrass State. Get a free quote.

Why choose Root for your Kentucky car insurance policy?

Fair and easy car insurance is now in the Bluegrass State. So, grab your most extravagant hat, because you’ll have burned through the 47-second Root signup before the derby even ends. Root saves good driving Kentuckians up to $100/month on car insurance. (Victory!)

What makes Root different from traditional insurers in KY?

We base rates primarily on how you drive, not just your demographics like age, credit score, marital status, and ZIP code.

Here’s how it works:

  1. Download a free app and breeze through a simple signup.
  2. Drive normally for 2-3 weeks. During that test drive, your smartphone gathers driving data and sends it to us to crunch the numbers (it knows if you’re a driver or passenger—don’t worry). We run that data through our machine learning algorithm to determine your customized rate.
  3. Get your free quote and customize your policy—all within the app. And because we don’t insure high-risk drivers, good driving Kentuckians save up to 52%.

Root is disrupting the broken insurance system by bringing fairness, ease, and technology to customers across the state.

It’s a good time to be a good driver in Kentucky.

Since Kentucky is now an electronic proof of insurance state, Root policyholders will always have legal proof of coverage on hand—electronic proof of insurance is right in the Root app! Root’s competitive quotes and simple app prove that car insurance can be affordable and easy for the best drivers of KY—from Louisville to Lexington, Owensboro to Bowling Green, and in every corner of the Bluegrass State.

The worst 30% of drivers
cause nearly 45% of all accident costs1
Bad drivers cause nearly 45% of all accident costs

What are the minimum car insurance requirements in KY?

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 (excluding motorcyclists) to carry personal injury protection (PIP), or no-fault insurance.

Liability coverage helps to pay for any bodily injuries or property damage that occurs from a car accident you cause. It does not cover you or your passengers (that’s what medical coverage like PIP is for) or your vehicle (but collision and comprehensive coverages do).

Minimum liability coverage KY drivers must carry:

  • $25,000 per person for bodily injury
  • $50,000 total per accident for bodily injury
  • $10,000 for property damage

Personal injury protection (PIP) pays up to $10,000 per person, per accident for expenses related to injuries, regardless of who’s at fault for the accident. Kentucky mandates that all insurance policies include this coverage (excluding motorcycle policies).

Suing limitations come with the inclusion of PIP on your insurance policy. If you’re injured in an accident, you cannot seek to recover medical expenses, loss of wages, pain and suffering, or other related costs from the at-fault party UNLESS the injuries exceed specific limits ($1,000 in medical costs, a broken bone, permanent injury or disfigurement, or death). Or you can reject the PIP protection in writing to the Department of Insurance (with likely higher costs from your insurer).

Proof of insurance:

KY drivers must carry proof of insurance while driving and must present it during traffic stops. Acceptable forms include an insurance ID card issued by your insurance carrier and electronic versions like the one in the Root app. When registering a car, the Kentucky Transportation Cabinet (KYTC) will electronically verify that you meet the minimum insurance requirements.

Fines and penalties when you’re caught without insurance:

  • Up to $1,000 in fines
  • Up to 90 days of jail time
  • “High-risk” status by your insurer, which can lead to higher premiums
  • License plate suspension
  • Registration cancellation 30 days after the KYTC is notified by your prior insurer that you’re uninsured

What other coverages does Root offer?

  • Collision
  • Comprehensive
  • Uninsured/Underinsured Motorist Bodily Injury (UM/UIM)
  • Uninsured Motorist Property Damage (UMPD)
  • Rental
  • Roadside Assistance (included in every Root policy)

Learn all about Root’s coverage options here:

Our Coverages

What is the average cost of car insurance in Kentucky?

The average Kentuckian pays $1,3652 per year for their auto policy, but many people are paying much more—often to make up for their bad-driving counterparts. Root doesn’t insure high-risk drivers, so Root customers are saving up to $1,187 per year, on average—all while enjoying simple, fair car insurance.

What our customers tell us

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Choosing your car insurance coverage just got easier.

Our app makes it quick and easy to get the coverage you need. Try it and see how much you can save.

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