Kentucky · Auto Insurance
Kentucky Auto Insurance
Protects you, your vehicle, and others on the road from accident, theft, and liability losses. Typical Kentucky premium is approximately $1,843/year.
Avg Premium
$1,843/yr
Risk Score
58/100
Consumer Protection
80/100
No-Fault
Yes
Coverage requirements in Kentucky
Kentucky requires minimum liability limits of 25/50/25 under its no-fault system. Most insurance experts recommend higher limits (100/300/100 or 250/500/250) to protect personal assets.
Coverage types
- Liability — Pays for injury or property damage you cause to others.
- Collision — Repairs to your vehicle after a collision regardless of fault.
- Comprehensive — Theft, vandalism, weather, and animal-strike damage.
- UM/UIM — Pays when an uninsured or underinsured driver causes your injuries.
- PIP / MedPay — Medical bills for you and your passengers.
Top Kentucky savings opportunities
- Bundle with home
- Raise deductible
- Telematics discount
- Good driver discount
Common exclusions
- Intentional damage
- Racing
- Commercial use
- Wear and tear