Kentucky Auto Insurance Costs & Minimum Coverage
Kentucky requires 25/50/25 liability coverage and is a no-fault state.
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Kentucky at a Glance
25/50/25
Minimum liability limits, in thousands of dollars (per person / per accident / property)
No-fault
Each driver's own policy pays their injuries first, whoever caused the crash
Required
PIP coverage must be on every policy
Source: state DMV, insurance department and statute records, verified July 2026
State Requirements
Kentucky operates as a tort state, meaning at-fault drivers are financially responsible for injuries and property damage they cause. All drivers must carry proof of insurance at all times — Kentucky law requires either a physical insurance card or electronic proof on a mobile device.
Bodily Injury Liability
Property Damage Liability
Personal Injury Protection (PIP)
Uninsured/Underinsured Motorist Coverage
Tort Liability System
Cost Overview
$62–$120/mo
Typical monthly rate in Kentucky, minimum-coverage policies
Rate data: NerdWallet, ValuePenguin and Insurify, 2026
Find the Lowest Rate That Still Protects You
Find Your Lowest RateCoverage Types
Liability Insurance
Covers injuries and property damage you cause to others. Kentucky's 25/50/25 minimum is frequently insufficient — a moderate two-car accident with injuries can generate $60,000–$100,000 in medical bills and vehicle damage, leaving you personally liable for amounts exceeding your limit.
Full Coverage
Combines liability, collision, comprehensive, and typically uninsured motorist coverage. Only cost-justified if your vehicle is worth more than approximately 10 times the annual collision and comprehensive premium — typically vehicles valued above $5,000–$8,000.
Uninsured Motorist Coverage
Pays your medical bills, lost wages, and vehicle damage when an at-fault driver has no insurance or insufficient limits. You must reject this coverage in writing; insurers include it automatically at your bodily injury liability limits if you don't decline.
Collision Coverage
Pays to repair or replace your vehicle after an accident, regardless of fault, minus your deductible. Not required by Kentucky law and rarely cost-effective for vehicles worth less than $4,000–$5,000.
Comprehensive Coverage
Covers theft, vandalism, hail, animal strikes, and weather damage to your vehicle, minus your deductible. Kentucky's vehicle theft rate is 40% lower than the national average, reducing the statistical value of comprehensive coverage.
Personal Injury Protection (PIP)
Kentucky-required coverage that pays up to $10,000 for your medical expenses, lost wages, and funeral costs regardless of fault. You can reject PIP in writing, but doing so eliminates your automatic medical payment coverage after an accident.