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Better rates for better drivers in Kentucky

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Fair car insurance in Kentucky

From Lexington to Louisville and Owensboro to Paducah, you can now get affordable auto insurance with Root. Download the app to get started. If you’re a good driver, you could save hundreds on your car insurance.

How it works

Most auto insurance companies base your rate on your demographic data. Demographics include your age, marital status, and ZIP code. We don’t think that’s a fair way to price car insurance. That’s why Root bases your auto insurance rate primarily on how you drive, and not where you live.

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You can customize and purchase your policy, all in the Root app.

State requirements in Kentucky

What are the state minimum requirements?

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

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 other coverages does Root offer in Kentucky?




Rental Car coverage


Personal Injury Protection


Medical Payments




(including glass coverage)


Roadside Assistance

(included with every Root policy)

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[1] 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.

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  1. Annual average rates were compiled in April 2020

Additional Resources

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Root Inc.

80 E. Rich Street

Suite 500

Columbus, OH 43215

Copyright ROOT 2021. ROOT is a registered servicemark of Root Insurance Company, Columbus, OH. Disclaimer for quotes: We reserve the right to refuse to quote any individual a premium rate for the insurance advertised herein. Disclaimer for coverage: Coverage is available in the event of a covered loss. Exclusions may apply. Not available in all states. Disclaimer for savings: Based on savings reported by actual customers who purchased a new Root policy between October 2019 - July 2020; changes in coverage levels not evaluated. For California residents: Telematics is not used and resulting represented savings are not applicable. Referral program not applicable. Roadside Assistance purchased as separate coverage. Visit for more information. This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.