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Kentucky Car Insurance Guide

The bluegrass state can be quite confusing when shopping for car insurance. There are many options available in Kentucky. We put together this guide so you can easily get the plan that fits your personal needs - at the lowest rate.

Do you already have all the information you need about Kentucky car insurance? Do you just want a quick quote? Enter your zip code above and get started.


Minimum Requirements

There are very few states that are “choice” states for car insurance. In Kentucky, based on the insurance you choose, you are deciding if you want to follow no-fault rules. The minimum liability coverage options are listed below: 


Bodily Injury Liability Coverage $25,000 per person and $50,000 per accident.
Property Damage Liability Coverage $10,000 per accident. 

                                                                    Additional Option

Personal Injury Protection $10,000 per accident.


By adding the personal injury protection to your insurance you are agreeing to no-fault laws- you will not be able to make injury claims or sue at-fault drivers unless a specified monetary threshold for medical expenses is exceeded or the accident resulted in serious or permanent injury or death.


Do I Need More Than the Minimum Coverage?

We always recommend buying the most coverage you can afford. There are many scenarios that can leave you with a large out-of-pocket expense or no vehicle. Adding additional coverages will protect you in a variety of scenarios and give you peace of mind. So in short, no you do not need more than the minimum coverage. But if you want maximum protection we recommend adding more coverage to the minimum requirements. 


Additional Coverages Available

Here is a list of additional coverages that will protect you further than just the minimum car insurance requirements in Kentucky: 

  • Collision Coverage- Collision insurance will cover repairs to your vehicle in an accident you are at fault for. 

  • Comprehensive Coverage- Comprehensive insurance covers you for other situations than a car accident; if you hit an animal, vandalism, fire, hail, flooding, or of your car is stolen. 

  • Uninsured/Underinsured Motorists- Optional coverage that protects you if you are involved in an accident with a driver who has no insurance or too little insurance to cover the accident. 

  • Medical Coverage- Optional coverage that will pay for medical bills when health insurance exceeds coverage amounts and covers medical expenses for you and your passengers. Do you walk or bike? This policy offers additional coverage if you are struck by a car in those instances. 

  • Gap Insurance- Optional coverage that will pay if you don’t own your car outright and have an accident. Gap insurance will pay the difference between the cash value of your car and the current balance on your loan or lease. This policy is best for newer non-owned cars. 

  • Personal Injury Protection- Depending on your state this type of insurance can be a requirement or an add on. Regardless of fault personal injury protection will cover medical expenses and loss of wages for you and your passengers (up to your limit). It also includes up to $5,000 for funeral expenses.


Teen Drivers in Kentucky

Kentucky employs a Graduated Driver Licensing Program for all new drivers starting at the age of 16. It is important to look into car insurance coverage for a teen when they begin this program. All underage drivers are held to the same standards as adult drivers; this means meeting car insurance minimum requirements. Getting car insurance for a teen, either by adding them to an existing policy or they have their own, is going to be a hefty expense. There are a few discount options available if the teen qualifies, but it is not going to drastically drop the price. 

Do You Have Multiple Drivers in Your House?

If you have multiple drivers in your household this information needs to be communicated to your car insurance agent. This will ensure maximum coverage and alleviate the possibility of any back premiums or loss of coverage. 

If you want to exclude a driver in your home you can do so, just tell your car insurance agent. Excluding a driver means they will not be covered with your car insurance policy. You should never let an excluded driver use your vehicle. Any damages that occur will be your responsibility.


Penalties for Driving Without Car Insurance 

Driving without car insurance in any state is no joke. Kentucky has some harsh penalties that will leave your wallet feeling empty. We always recommend abiding by the state minimum required car insurance to avoid these penalties. We listed the penalties below in case you ever find yourself without car insurance in Kentucky:

  • First Offense- You will pay a $500 - $1,000 fine. You could spend 90 days in jail or a combination of fines and jail time. Your registration can be suspended for one year or until you show proof of insurance. You will pay a $40 reinstatement fee in addition to court fines.

  • Second & Subsequent Offenses- You will pay a $1,000 - $2,500 fine. You could spend 180 days in jail, or a combination of fines and jail time. Your registration can be suspended for one year. Your registration will be suspended two years for every offense after the second. You will pay a $40 reinstatement fee in addition to court fines. You will have to retake the driving exams if your license suspension is over a year. This will incur additional fees. 


Discounts on Car Insurance in Kentucky

It is common to hear about discounts on car insurance, they are everywhere. However, it is important to know the discounts YOUR car insurance company offers. We recommend asking for a full list of discounts. This may open your eyes to a discount you qualify for but previously didn’t know about. We have a short list of common discounts available in Kentucky:

  • Good Student- If you are a student enrolled in high school or college curriculum and maintaining a B average most companies offer a discount.

  • Good Driver- Maintain a good driving record free of accidents, tickets, and any moving violations. 

  • Multiple Policy- Most insurance companies will offer a discount for having multiple policies such as car insurance, renters insurance, homeowners insurance, or motorcycle insurance. 


Get a Kentucky Car Insurance Quote 

Let help provide a car insurance quote that meets your needs. We are dedicated to helping you find an affordable quote while maintaining the minimum requirements in the state of Kentucky. Get a fast hassle-free quote from top providers now. Just follow these three easy steps. 


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