Cheap auto insurance in Kentucky

Illustration of Mammoth Cave in Kentucky

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While every state has some sort of mandatory guideline regarding car and auto insurance coverage, the minimum limits vary by state. The following is a breakdown of minimum liability requirements for Kentucky:

Is it mandatory to have car insurance in Kentucky?

Yes

What are the minimum limits for Kentucky?

$25,000 bodily injury liability per person
$50,000 bodily injury liability per accident
$25,000 property damage liability per accident

—or—

25/50/25

Auto coverages in Kentucky

We’re proud to be able to help drivers in Kentucky meet their insurance needs. Here are some of the parameters of our insurance coverage in Kentucky:

What is the maximum bodily injury liability and property damage liability limit offered in Kentucky?

$50,000 bodily injury liability per person
$100,000 bodily injury liability per accident
$50,000 property damage liability per accident

—or—

50/100/50

What coverages are required to be offered in Kentucky? Can a customer reject them?

Bodily injury liability and property damage liability coverage must be offered. No-fault tort protection (right to sue/be sued) must be provided in association with bodily injury coverage, but can be rejected. Rejection of tort limitations also requires state-mandated forms to be fully completed and properly filed with the state of Kentucky.

Personal injury protection must be offered, but if no-fault protection is rejected, guest passenger personal injury protection is still required as minimum Personal Injury Protection coverage.

Uninsured motorist bodily injury coverage must be provided unless rejected.