Kentucky Car Insurance

Whether you’re commuting into Louisville for work or taking a day off to roam the Country Music Highway, a Farmers® Smart Plan Auto  policy offers coverage options designed for how you drive today. Discounts can help you save even more.

Please enter a 5 digit zip code.

What is the average cost of car insurance in Kentucky?

Kentucky drivers paid an average of $1,052 a year for full coverage (liability, collision and comprehensive) in 2020, according to the most recent data available from the National Association of Insurance Commissioners (NAIC). Keep in mind that insurance premiums in most states have changed since then. Your cost will also depend on how much coverage you choose, as well as your driving history, the car you drive and other factors.

What auto insurance is mandatory in Kentucky?

A car insurance policy with a minimum amount of liability coverage plus personal injury protection is required in Kentucky. However, minimum coverage may not be the full extent of coverage you want.

As of March 2023, 25/50/25 liability coverage limits are the minimum required in Kentucky.

COVERAGE TYPE

KENTUCKY MINIMUM REQUIREMENTS

Bodily injury liability

$25,000 per person; $50,000 per accident

Property damage liability

$25,000 per accident

Personal injury protection

$10,000 per accident

COVERAGE TYPE

Bodily injury liability

KENTUCKY MINIMUM REQUIREMENTS

$25,000 per person; $50,000 per accident

COVERAGE TYPE

Property damage liability

KENTUCKY MINIMUM REQUIREMENTS

$25,000 per accident

COVERAGE TYPE

Personal injury protection

KENTUCKY MINIMUM REQUIREMENTS

$10,000 per accident

What does car insurance typically cover in Kentucky?

A typical car insurance policy in Kentucky includes coverage for bodily injury and property damage liability, personal injury protection as well as optional collision and comprehensive coverage in case of covered damage or theft.

Kentucky car insurance discounts

Farmers offers a variety of discounts for drivers in Kentucky. For example:

  • Multi-vehicle 
  • Multi-policy  
  • Youthful driver 

See more information about additional discounts that may be available in Kentucky.

Mammoth Cave National Park

This vast system of caves and karst topography is both a UNESCO Biosphere Reserve and a UNESCO World Heritage site. — National Park Service


More coverage options in Kentucky

home icon

Kentucky home insurance

Learn more about what home insurance in Kentucky covers, available discounts and more.

View home insurance coverage details and discounts for Kentucky

condo icon

Kentucky renters insurance

Renters insurance can help cover what your landlord’s insurance policy doesn’t, such as furniture, electronics and other personal belongings.

View renters insurance details and discounts for Kentucky

Learn From Experience

Still have questions about cars and car insurance in Kentucky? We have answers.


Why Did My Car Insurance Premium Go Up When Nothing Else Has Changed?

To understand rate increases, it’s important to know that premium calculations are based on your risk and the projected cost it would take to repair or replace your car. Anything that impacts these factors can explain why rates may increase.  

What These Auto Pros Know About Adding Years to a Car’s Life — and You Should, Too

Why do some cars stay safe and reliable for years longer than others? These car pros say it’s more about the owner’s habits than good engineering.

What Is Uninsured Motorist Coverage?

If you have uninsured motorist coverage, your accident-related expenses can be covered. And if the other driver does have insurance, but it’s not sufficient to cover your costs (given today’s high medical bills), underinsured motorist coverage can help fill the gap.