Save up to $400 on
Kentucky car insurance

Kentucky Auto Insurance Minimums, Laws and Requirements

Each state requires registered drivers to carry a certain amount of Minimum Liability Coverage auto insurance.

Kentucky mandates all drivers in a household to be covered by liability insurance and have proof of insurance in the vehicle with them at all times.

Drivers must submit proof of insurance before they can register their vehicle.

Kentucky Minimum Liability Coverage
Each state sets its own minimum liability amounts. In Kentucky they are as follows:

  • Bodily Injury for One Person: $25,000
  • Bodily Injury for All Injuries: $50,000
  • Property Damage: $10,000

Kentucky drivers can also opt for a single limit plan that covers liability up to $60,000.

Kentucky Uninsured/Underinsured Motorist Coverage
Some states require drivers to carry Uninsured/Underinsured (UM/UIM) motorist coverage. This protects a driver in case they are involved in an accident and the other person is not adequately covered by an auto insurance policy.

Kentucky does not require this coverage but highly recommend carrying it.

No Fault Insurance
In Kentucky, you are not required to carry no-fault insurance. Kentucky is a Tort state meaning that the driver at fault must pay a victim’s medical expenses. Further, the victim can also pursue compensation for additional lost wages as well as pain and suffering.