Kentucky Minimum Coverage Car Insurance: Requirements and Costs (December 2024)

Kentucky's minimum coverage liability limits are 25/50/25, with an added PIP limit of $10,000. The average cost of minimum coverage car insurance is $580 annually or $48 per month.

Updated: December 10, 2024

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Kentucky requires motorists to have state minimum coverage for car insurance, which includes $25,000 bodily injury liability per person and $50,000 per accident, along with $25,000 property damage liability per accident. Personal Injury Protection (PIP) coverage is also mandatory, providing $10,000 per person for medical expenses. Although Kentucky is a "no-fault" state, meaning your insurance covers your injuries in an accident regardless of fault, car insurance is required.

The monthly cost of Kentucky's minimum coverage is about $48. For a more detailed breakdown of the minimum car insurance requirements, or if you're interested in exploring more affordable options, check out the cheapest car insurance in Kentucky.

TABLE OF CONTENTS

Kentucky Minimum Coverage Requirements
Average Cost of Minimum Coverage Car Insurance in Kentucky
Cheapest Companies in Kentucky for Minimum Coverage
Add-On Coverages in Kentucky
Penalties for Driving Without Insurance in Kentucky
FAQ

Why Trust MoneyGeek? MoneyGeek analyzed data from Quadrant Information Services and the Kentucky Department of Insurance to get the most accurate cost data for various Kentucky drivers.

These rates reflect the cost of minimum coverage car insurance requirements in Kentucky as of December 2024.

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Kentucky Minimum Coverage Car Insurance Requirements

In Kentucky, drivers must carry the state minimum coverage of auto insurance to drive legally. This includes:

$25,000 for bodily injury liability per person
$50,000 for bodily injury liability per accident
$25,000 for property damage liability per accident
$10,000 personal injury protection (PIP) per person

Kentucky's auto insurance premiums are influenced by its status as a no-fault state. This means that each driver's insurance coverage is primarily responsible for their own injuries or property damage without regard to who is at fault in an accident. This can affect insurance premiums because insurers provide PIP coverage to comply with state regulations.

ARE COLLISION AND COMPREHENSIVE COVERAGE REQUIRED IN KENTUCKY?

Kentucky doesn't mandate collision and comprehensive coverage as part of its state minimum auto insurance requirements. However, if you finance or lease a vehicle, lenders typically require such insurance to protect their investment. These policies cover damage from accidents, theft, natural disasters and other non-collision incidents.

What Does Minimum Coverage Cover?

What Liability Insurance Covers	What Liability Insurance Doesn't Cover
Injuries to others if you're at fault in an accident	Your injuries
Damage to another person’s property if you're at fault in an accident	Damage to your car
Some coverage for injuries caused by uninsured/underinsured drivers, depending on your policy	Repairs for weather-related accidents or if you were hit by an animal
	Property damage caused by uninsured/underinsured drivers unless additional coverage is purchased

The table reflects Kentucky's state minimum auto insurance requirements, including bodily injury and property damage liability. Coverage specifics depend on the terms of your policy.

Average Cost of Minimum Coverage Car Insurance in Kentucky

Age is a prime factor in determining minimum coverage auto insurance rates. In Kentucky, drivers aged 22 to 29 have the highest premiums due to less driving experience and a higher risk of accidents.

The table below shows Kentucky's average minimum coverage costs by age group, indicating the expected annual and monthly expenses.


22-29	$691	$58
30-59	$580	$48
60 +	$587	$49

Cheapest Companies for Minimum Coverage Car Insurance in Kentucky

Drivers in Kentucky can find the lowest rates minimum coverage auto insurance with these providers:

Cincinnati Insurance: $296 per year; $25 per month
Travelers: $423 per year; $35 per month

Although securing a policy that meets your budget is important, consider coverage that best suits your needs. Explore your options among the best car insurance providers in Kentucky.

Data filtered by:Results filtered by:

Age Group

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Age Group:30-59


Cincinnati Insurance	$296	$25
Travelers	$423	$35
Auto-Owners Insurance Co	$427	$36
Kentucky Farm Bureau	$428	$36
Progressive	$527	$44
GEICO	$568	$47
Nationwide	$570	$48
Shelter	$609	$51
State Farm	$610	$51
Westfield	$627	$52
Allstate	$832	$69
Grange Insurance	$1,045	$87

Optional Add-On Coverages in Kentucky

Kentucky offers optional add-on coverages, including collision, comprehensive, uninsured/underinsured motorist and personal injury protection. These options provide financial protection against damage typically not covered, like accidents with drivers who lack adequate insurance, theft or natural disasters. Knowing how much car insurance you need can safeguard your assets beyond the minimum coverage.

Add-On Coverage	What It Covers	What It Doesn't Cover
Uninsured/Underinsured Motorist Coverage	Medical expenses, lost wages and repair costs if you're hit by a driver with no or insufficient insurance	Damage to your vehicle if you are at fault or damage that exceeds policy limits
Personal Injury Protection (PIP)	Medical expenses, lost income and funeral costs for you or your passengers regardless of who's at fault	Vehicle damage or injuries to the other driver
Roadside Assistance	Services like towing, flat tire changes and jumpstarts when your car breaks down	Cost of parts or repairs needed after the tow
Gap Insurance	Pays the difference between your car's current value and what you still owe if it's totaled or stolen	Vehicle depreciation or overdue loan payments
Rental Car Reimbursement	The cost of a rental car while your vehicle is being repaired after a covered event	Fuel, insurance or other rental extras
Collision Coverage	Repairs to your car after an accident, regardless of fault	Damage due to theft, vandalism or natural disasters
Comprehensive Coverage	Repairs to non-collision damage from events like theft, fire or hail	Damage from a collision or personal injuries
Towing and Labor Coverage	Towing and basic roadside assistance labor costs at the site of your vehicle's breakdown	More extensive repairs needed at a garage
Custom Parts and Equipment Coverage	Safeguards aftermarket enhancements like custom wheels or stereo systems	Original parts that came with your vehicle
Accidental Death Coverage	Offers a payout if you or a passenger dies or experiences certain injuries in a car accident	Non-accidental death or injuries
Classic Car Insurance	Agreed-upon values for your unique vehicle, tailored for vintage or collector cars	Regular use, like your daily commute

Penalties for Driving Without Insurance in Kentucky

In Kentucky, the cost of a ticket for driving without insurance depends on whether it's your first time getting caught or if it isn't. First-time offenders can expect a lighter penalty, but the consequences become more severe for those with prior offenses, leading to heftier fines and stronger legal actions. Anyone caught driving uninsured in Kentucky can face a variety of additional penalties:

Vehicle impoundment, with extra costs to get your car back.
Vehicle registration suspension, so you can't legally drive your car.
License suspension, plus a fee to get your license back.
SR-22 requirement, a form that verifies you have minimum coverage and often leads to higher insurance rates.
Jail time, which could last up to six months if you're in an accident without insurance.

Follow the law and ensure your vehicle is covered with at least minimum coverage insurance. Stay safe and responsible on the roads by keeping your insurance up to date.

What to Do if Your Policy Is Canceled

After your car insurance policy is canceled in Kentucky, immediately seek new coverage to comply with state minimum auto insurance requirements. Continuing to drive without insurance is illegal and exposes you to severe penalties. Discuss options with your insurance agent or shop for a new policy.

The Kentucky Department of Motor Vehicles (DMV) will be notified if a driver becomes uninsured due to policy cancellation. Driving without insurance can lead to registration suspension and fines. Proactively communicating with the DMV about a lapse in coverage is a responsible step.

Kentucky has no state-run program like TexasSure. However, high-risk drivers may still obtain insurance through the Kentucky Automobile Insurance Plan (KY AIP). Explore all private insurance options to ensure legal driving. Never hit the road in Kentucky without at least minimum state coverage to protect yourself and others.

WHY WAS MY POLICY CANCELED?

Your car insurance policy in Kentucky might have been canceled for a few reasons:

Non-Payment: The insurer could cancel your coverage if you didn't pay your premiums. Lenders typically require comprehensive insurance if you're financing or leasing a car.
License Suspension: Losing your driving privileges may lead to policy termination.
Fraud: Providing false information or making fraudulent claims can result in cancellation.
Too Many Claims: Filing too many claims quickly might signal high risk to the insurer.
Moving Out of State: Some policies are invalid if you move to a state where the insurer isn't licensed.

FAQ: Kentucky Minimum Coverage Car Insurance

Get answers to your questions regarding Kentucky's minimum car insurance requirements.

What is the minimum car insurance coverage in Kentucky?

In Kentucky, minimum coverage auto insurance includes $25,000 for bodily injury (BI) liability per person, $50,000 BI per accident and $25,000 for property damage liability per accident. Kentucky also requires personal injury protection at a minimum of $10,000 per person. This basic coverage ensures you meet the legal requirements to drive in the state.

Why does Kentucky require minimum automobile liability coverage for motorists?

Kentucky requires minimum coverage auto insurance so drivers can pay for damage or injuries they cause in an accident. This rule helps drivers avoid high out-of-pocket costs and protects others involved in the accident.

Do you need comprehensive insurance in Kentucky?

In Kentucky, comprehensive insurance isn't a legal requirement. However, it's highly recommended for protection against non-collision-related damage to your vehicle, such as theft, vandalism or natural disasters. Lenders typically require comprehensive insurance if you're financing or leasing a car.

What happens if you drive uninsured in Kentucky?

Driving uninsured in Kentucky comes with severe penalties. Offenders face fines of $500 to $1,000, up to 90 days in jail or both. Registration and driving privileges can also be suspended, and reinstatement requires proof of insurance and payment of fees. Having at least the minimum coverage is essential to avoid these consequences and ensure financial protection. The costs of penalties can far exceed the price of maintaining minimum coverage auto insurance.

About Mark Fitzpatrick

Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.

Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.

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