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.
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
More coverage options in Kentucky
Learn From Experience
Still have questions about cars and car insurance in Kentucky? We have answers.
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.
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.
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.
