Kentucky Car Insurance FAQ - Quick Answers

Kentucky's annual car insurance rates are $1,341, which is slightly more expensive than the national figure of $1,311 per year. To find the most affordable premiums on your auto policy, obtain multiple quotes from a trusted adviser.

A variety of risk factors can determine what your Kentucky car insurance costs will be, and the carriers look for the following when rating your policy:

  • Your driving record
  • Claims history
  • Location
  • Radius traveled
  • Value of vehicle
  • Coverage selected

Each Kentucky auto policy provides different coverage limits, but some of the most common are: 

  • Bodily injury liability: Pays for medical expenses of others.
  • Property damage liability: Pays for property damage of others.
  • Personal injury protection: Pays for your medical expenses.
  • Uninsured/underinsured motorist: Pays for an accident involving an uninsured/underinsured motorist

In Kentucky, 11.5% of the driving population is uninsured. This means that if you're not properly protected with uninsured motorist coverage, you'll be on the hook for a loss. Uninsured motorist insurance pays for your damage or injury when an uninsured driver is at fault for an accident. 

In Kentucky, you are required to carry the state minimum limits of coverage listed below:

  • $25,000 in bodily injury liability per person 
  • $50,000 in bodily injury liability per accident
  • $25,000 in property damage liability
  • Personal injury protection

Yes, Kentucky is a no-fault state with laws that say drivers must file a claim with their own insurance company first after a car accident in order to pay for things like medical bills and expenses caused by the accident.

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Find the Best Car Insurance in Your City

How does your city measure up to the national average?

National average time spent commuting 26.9 Min

National average car thefts per 1,000 2.3 Year

National average car insurance cost $1,311 Year

CityCommute time (min)Auto thefts / 1,000Annual insurance cost
Augusta23.20.88$1,203
Bellevue201.22$1,313
Bowling Green18.13.65$858
Elizabethtown18.62.4$1,440
Fisherville25.11.76$1,411
Florence22.32.19$1,279
Fort Thomas19.50.61$1,238
Frankfort17.32.56$1,441
Harrodsburg20.91.76$1,377
Louisville24.81.75$2,133
Maysville20.51.71$801
Mount Sterling181.91$1,025

Bodily Injury Requirements in Kentucky

If you cause an accident in Kentucky and the other party sustains injuries, you may be on the hook for the expense. To avoid going into financial ruin, you'll need proper protection for a loss.

In Kentucky, you are responsible for having the minimum bodily injury liability coverage of $25,000 per person and $50,000 per accident. Without insurance you could face serious fines as well as a devastating blow to your pocketbook. 

Property Damage Requirements in Kentucky

Property damage liability helps pay for another person's vehicle when damaged due to  an accident you're at fault for causing. Kentucky's minimum property damage liability limits need to be at least $25,000. 

While you're only obligated to carry what the state requires, that's often not enough protection. With the price of vehicles these days, $25,000 can be used quickly and still not fully cover the expense.

Personal Injury Protection Coverage Requirements in Kentucky

In Kentucky, you're required to have personal injury protection, or PIP, as apart of your auto policy. PIP helps pay for your medical expenses when you sustain an injury due to an at-fault accident. 

There are some instances in which the state allows you to opt out for PIP insurance, but most of the time that's not the case. If you're found without PIP, you'll be responsible for any medical bills out of pocket.

Uninsured Motorist Coverage in Kentucky

Uninsured motorist coverage is not required in all states, but that doesn't mean it's not necessary. In Kentucky you aren't obligated to carry uninsured motorist coverage, which helps pay for a loss involving an uninsured driver.

While car insurance is mandatory in Kentucky, there are still 11.5% of the drivers that are not insured. This means you and your loved ones are at risk every time you're on the road. 

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Optional Car Coverage in Kentucky

When you're searching for the best auto coverage, you'll have numerous options. Collision insurance and comprehensive insurance are both considered full protection and helps pay for damage to your vehicle due to a collision. 

Roadside assistance is another commonly used option that comes to your rescue when you need a tow or a tire changed. Rental car coverage can be included for an additional fee and reimburses for a replacement vehicle due to a covered loss. Discuss what optional limits you should consider with a trusted expert.

Car Insurance Discounts to Ask for in Kentucky

When seeking discounts on insurance, consult with your adviser on which you qualify for under your auto policy. One of the most commonly used is the multiple policy discount that saves you 30% or more across the board.

If you're part of an association like a teachers union, attorney group, or government agency, insurance carriers typically give a 5% to 10% discount on coverage. The same is true if you've been with an insurance company for a number of years, and is known as the loyalty discount.

How to File a Car Insurance Claim in Kentucky

Reporting an auto accident can leave you feeling overwhelmed and confused about what to do next. Fortunately, there are these 4 easy steps for filing a car insurance claim in Kentucky.

First, it's key to get to a safe place and seek medical attention if necessary. Second, you'll want to call your independent agent to file the claim. Third, obtain the claim number from your agent and secure a replacement vehicle if needed. Last, schedule a meeting with your adjuster and collect payment.