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Kentucky Car Insurance

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Here's what you need to know when driving in Kentucky

Across the Bluegrass State, there are 163,988 miles of road just waiting to be driven. We’ll get you prepped, then you take the wheel.

Car Insurance Laws

Minimum insurance requirements in Kentucky

In Kentucky, the minimum coverage requirements are as follows:
  • Bodily Injury $25,000 per person
  • Bodily Injury $50,000 per accident
  • Property Damage $10,000 per accident
Personal Injury Protection (PIP)
  • $10,000 per person
Optional coverage in Kentucky (varies by carrier):
  • Comprehensive
  • Collision
  • Loan/Lease Payoff
  • Medical Payments
  • Rental Car Reimbursement
  • Roadside Assistance
  • Uninsured/Underinsured Motorist Bodily Injury
  • Uninsured Motorist Property Damage
  • Additional Personal Injury Protection
  • Guest Personal Injury Protection

Liability coverage is legally required in Kentucky and pays for injury and lost wages that you cause to another driver or their passengers as well as damage to the other driver’s vehicle in the event that you are considered “at fault” in an accident. The coverage limits are determined by each individual state and normally split into three categories. In Kentucky, the minimum is listed as 25/50/10 and explained below:

$25,000 bodily injury coverage per person. This is the maximum dollar amount that pays for a single person that you injure in an auto accident.

$50,000 bodily injury coverage per accident. This is the maximum dollar amount that pays for all injuries that you cause in an accident if more than one person is hurt.

$10,000 property damage per accident. This is the maximum dollar amount that pays for damage that you cause in an accident.

Personal Injury Protection provides coverage for medical costs that you and your passengers incur in an accident regardless of fault. PIP will cover medical expenses such as hospital bills, rehabilitation costs, and even work loss resulting from an accident. In Kentucky, minimum PIP coverage of $10,000 per person is required on your policy.

Kentucky is a “no-fault” state, but they allow drivers to decline “no-fault” coverage and simply choose Guest PIP to protect their passengers. This will also allow the driver to file a lawsuit for any injury resulting from an accident. If a driver chooses to carry “no-fault” coverage, they decline the right to sue another driver unless their medical expenses exceed $1,000, or they suffer death or permanent disfigurement.

Kentucky is a no fault state!

What does this mean for you?

Put simply, a no-fault insurance laws system requires that drivers carry their own protection. When an accident happens, no matter who is at fault, your own insurance foots the bill. Each driver takes care of his or herself, and theoretically, the chances of someone suing or raising a hissy fit over culpability are lessened. And bonus? It guarantees every driver immediate medical treatment in the event of an accident.

Top Kentucky Car Insurance Companies

The Zebra compares over 200 companies & 1,800 products, so you can save way more than 15%.

Car Insurance FAQs

Are digital insurance cards accepted in Kentucky?


What does this mean for you?

If you happen to find yourself pulled over by a police officer in Kentucky you won't have to rifle through your glovebox wondering if you remembered to replace that expired insurance card last month. Instead, you can provide proof of coverage with your smartphone.

Do I need uninsured motorist coverage in Kentucky?

Uninsured Drivers in Kentucky




Did you know?

Uninsured motorist coverage protects you from damage caused by other drivers without insurance and hit-and-runs.

How much does car insurance cost in Kentucky cities?

Rank City Avg. Annual Premium
1 Louisville $2,133
2 Frankfort $1,760
3 Jeffersontown $1,702
4 Ashland $1,690
5 Saint Matthews $1,677
6 Radcliff $1,622
7 Paducah $1,615
8 Madisonville $1,584
9 Murray $1,581
10 Elizabethtown $1,579
11 Danville $1,565
12 Winchester $1,532
13 Henderson $1,526
14 Georgetown $1,521
15 Hopkinsville $1,508
16 Richmond $1,505
17 Covington $1,502
18 Nicholasville $1,489
19 Lexington $1,484
20 Florence $1,456
21 Independence $1,451
22 Erlanger $1,449
23 Bowling Green $1,447
24 Fort Thomas $1,426
25 Owensboro $1,404

More questions?

Check out other FAQs and ask your own Kentucky car insurance questions here.
Driving Laws

Kentucky Texting and Driving Laws

  1. Ban on all cell phones for school bus drivers and drivers <18 years
  2. Ban on text messaging for all drivers
Alcohol Related Fatalities


Per Year in Kentucky
Annual DUI Arrests
US Average
DUI Legal Limit


Blood Alcohol Content
Average DUI Cost


Nationally, For First Offenders
What does this mean for you?

Driving with a blood alcohol content higher than the number above will put you at risk of being arrested for driving under the influence. If arrested you’ll face harsh consequences and may face varying degrees of jail time, fines, driver’s license suspensions, and reinstatement requirements.

If convicted of a DUI, you can expect the financial obligations to extend beyond the DUI ticket to court costs, attorney fees, higher insurance rates, and potentially the installation of a Ignition Interlock Device to serve as a breathalyzer test each time you start your vehicle.
Cheap Car Insurance

It's expensive to get car insurance in Kentucky!

Dang! Kentucky is definitely not one of the cheapest states for car insurance. Dont worry, we got your back!
At The Zebra we're all about helping you save money on car insurance. Since Kentucky might have cheaper premiums that makes our job a breeze! It's easy to get started—we just need some basic information.
What's the cheapest car insurance in Kentucky?
Rank Company Name Avg. Annual Premium
1 Cincinnati Insurance $1,104
2 Kentucky Farm Bureau $1,151
3 USAA $1,199
4 Auto-Owners $1,385
5 Motorists Mutual $1,585
6 Grange Mutual $1,593
7 Travelers $1,647
8 State Farm $1,830
9 Westfield $1,851
10 Safe Auto $1,952
11 Nationwide $2,044
12 Progressive $2,098
13 Electric $2,118
14 State Auto $2,210
15 Encompass $2,335
16 GEICO $2,389
17 Safeco $2,736
18 MetLife $3,115
19 Shelter $3,199
20 Liberty Mutual $3,671
21 Allstate $3,788

Kentucky Tour Guide Scholarship

At The Zebra, we know better than most just what a pain buying car insurance can be. We also know that students suffer from higher-than-average policy rates. Talk about a double-whammy. That’s why, this year, we’ve decided to continue The Zebra’s annual scholarship with the goal of helping to alleviate the financial pressures of college-bound students in the Kentucky area, while also getting an insider view of the Bluegrass State.

Click here to learn more.


So, Kentucky students, we want to see your favorite road trip destination(s) in your state— from your unique perspective. If it makes sense to hit the open road and be our virtual tour guide, that’s great! But there are no limits to what we’re looking for: a narrated animation, a slideshow of memorabilia, an illustrated map of the best roadside attractions on the way. This is a chance for you to showcase any place you love in as an original way as possible.

Please Note:

  • This is not a traditional video essay. We do not want an extended selfie of your face (as lovely as it is) speaking to the camera. Make sure your video includes creative visual elements.
  • The length of the road trip to your feature destination is inconsequential. So if you have an awesome spot in mind that’s just two miles from home, we want to see it.

Applicants must be currently enrolled at or planning to attend a four-year university, graduate program, community college, or trade school located in the continental United States. Upon notification, winner(s) must supply a current proof of enrollment or letter of acceptance.

How to Apply:
  • Entrants should create an original two to five minute video. Each video submission must be hosted on YouTube or Vimeo, and should be submitted by email to
  • With your submission, please include your name, address, and phone number.
  • Selected winner(s) will be awarded a check for $1,000.
  • Applications must be received no later than 11:59pm CST on December 31, 2016.
  • Winner(s) will be selected and notified by e-mail by January 15, 2017.
  • Submissions will be judged by The Zebra and the winner will be selected based on creativity in the content and presentation.
  • Upon notification, winner(s) must also supply a current proof of enrollment at a four-year university, graduate program, community college, or trade school located in the continental United States.

Fine Print

  • By participating, entrants represent that the video submitted is their sole and original work and does not infringe the intellectual property rights of any other party. In other words, no copyrighted music or images may be used.
  • Employees of The Zebra and their immediate family members are not eligible to participate in the contest.
  • Written credits for any technical or talent positions (e.g., editor, director, actors) should be included with your submission, along with any sources used to create the video.