Kentucky car insurance requirements
Every driver in Kentucky must carry at least this coverage. It’s a “choice no-fault” state: you choose limited or full tort when you buy your policy.
| Coverage | Minimum required |
|---|---|
| Bodily injury liability | $25,000 per person / $50,000 per accident |
| Property damage liability | $25,000 per accident |
| Personal injury protection (PIP) | $10,000 per person |
State minimums protect other people, not you or your car. Most drivers choose higher limits, plus collision and comprehensive if their car is financed or worth repairing.
What Kentucky drivers should know
- Kentucky requires at least 25/50/25 liability coverage, plus the other coverages in the table. Those limits are low compared with today’s medical and repair costs, so most drivers choose more.
- Kentucky is a “choice no-fault” state: PIP is required, but you can reject the no-fault limits on your right to sue by filing a form with the state.
Home insurance in Kentucky
- Tornadoes, severe storms and hail are common, and parts of the state also see flooding — which needs a separate flood policy.
- Many policies use a separate wind and hail deductible; check what it would cost you after a storm.
Ways to save in Kentucky
- Compare several companies. Prices for the same driver and home can vary widely between insurers — comparing is the fastest way to find a better rate.
- Bundle auto and home. Many insurers discount both policies when you buy them together.
- Raise your deductibles if you could comfortably pay more out of pocket after a claim.
- Ask about discounts for safe driving, paying in full, home security devices and newer roofs.