Kentucky Auto Insurance

Auto insurance in Kentucky is a little complicated. So it's all the more important that you really understand your coverage.

This guide:

  • Explains Kentucky car insurance regulations and requirements

  • Describes how Kentucky auto insurance rates are decided

  • Shows you how you can save money by comparing multiple quotes

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Kentucky auto insurance laws

Kentucky is a "choice no-fault" state, which means that as a driver, you can choose to insure yourself under the tort system or the no fault system.

Under the tort system, you retain the right to sue the other driver in an accident for the cost of injury-related expenses. Under the no-fault insurance system, you're required to purchase personal injury protection (PIP) coverage that helps pay the cost of injuries regardless of who was at fault in the accident.

Under either system, drivers in Kentucky are required to purchase both liability coverage and PIP coverage for their passengers who are not immediate family members.

Kentucky's liability minimums are 25/50/10. (That's $25,000 per person for injuries you cause to the other party, up to $50,000 for all, and $10,000 for any damage that you cause to the other driver's car and/or property.) Basic PIP coverage is $10,000 for medical expenses, loss of income or services, and funeral expenses.

By purchasing the basic PIP coverage, you forfeit your right to sue the other driver in an accident for the cost of injuries, unless the cost exceeds a certain level. However, Kentucky auto insurance companies will allow you to buy back that right (even though you carry PIP) for an increase in your premium.

Kentucky auto insurance companies will also offer optional coverages such as medical payments, collision, comprehensive, and uninsured and underinsured motorists coverage (an important optional policy).

How Kentucky car insurance rates are set

For better or for worse, the price of Kentucky auto insurance is decided by the behavior of the state's drivers as a whole. Kentucky auto insurance companies take the cost of insuring Kentucky drivers (this includes settlements and legal fees) and divide it up among the drivers.

But these costs aren't spread around evenly. Instead, the percentage you pay is decided by things like your driving record, your age, where you live, and the kind of car you drive.

Of course, not all auto insurance providers figure their percentages the same way. So they'll charge different rates on the same driver.

What this means for you as a driver, is that you need to shop the different rates (and they'll be very different!) for the best deal. It's the fastest easiest way to save on an Kentucky auto insurance policy.

Fortunately,shopping around is easy to do online because one good service will give you several competing quotes.

Where to get Kentucky auto insurance quotes

The following web sites will help you find Kentucky car insurance quotes: (these links will open in a new window)


  • ComparisonMarket is the easiest and most accurate quotes comparison service

  • Netquote is very helpful if you want a local agent to contact you, to help you set up a policy tailored to your particular needs.

  • Geico - Like the gecko says: "15 minutes could save you 15% or more on your car insurance".

  • Get quotes using your ZIP Code. Find local and national insurers who offer discounts in your part of the state:

To speed things up, you might wish to have some information required for an online quote ready before you begin.

More KY car insurance advice and help

If you want more help designing your KY auto insurance policy, read our guide to setting safe and reasonable car insurance coverage levels. It contains a lot of money saving advice too.

To find out more about KY auto insurance laws and regulations, visit the state's official website of the Kentucky Department of Insurance, or read more about no-fault insurance.

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