Kentucky Auto Insurance Policy Requirements

Q: What is in a basic Kentucky auto insurance policy?
A: Kentucky drivers must choose from the following options that can be added to their auto insurance policies:

  1. Liability Coverage
    1. The two kinds of liability insurance separate the concepts of property and people:
      1. Bodily Injury Liability Coverage
      2. Property Damage Liability Coverage
    2. Kentucky requires that all drivers possess liability coverage on their auto insurance policy. To legally drive in Kentucky, along with having a valid driver’s license, there is a minimum requirement:
      1. 25/50/10” (Kentucky’s minimum auto insurance requirement)
      2. $25,000 for injury/death to one person.
      3. $50,000 for injury/death to more than one person.
      4. $10,000 for damage to property.
    3. Leased vehicles require a different liability minimum.
  2. Collision Coverage is an optional addition only if the vehicle is no longer financed. If your vehicle is financed, then collision is a mandatory part of your Kentucky auto insurance policy.
  3. Comprehensive Coverage, like collision, is optional only if the vehicle is no longer financed. If your vehicle is still financed, then comprehensive coverage is absolutely mandatory for your auto insurance policy.
  4. Medical Payments Coverage is recommended, though not required, for a Kentucky auto insurance policy.
  5. Uninsured (and Underinsured) Motorist Coverage is another option that you may include though it is not required in Kentucky.
  6. Personal Injury Protection (PIP) Coverage is compulsory for a Kentucky auto insurance policy.
  7. Other Options
    1. Towing Coverage
    2. Rental Coverage
    3. Loan/Lease Gap Coverage
Q: Is Kentucky a No-Fault state?
A: Kentucky is a state that requires no-fault insurance.

Q: How can I get a discount on a Kentucky auto insurance policy?
A: Discounts are available to help you save money on your Kentucky auto insurance policy. To see if you qualify, check our list of auto insurance discounts.

Q: Where can I find more information about Kentucky auto insurance?
A: These internet resources provide Kentucky insurance information:
  1. Kentucky Insurance Resources
    1. The Kentucky Transportation Cabinet (KYTC) maintains the issuance of driver’s licenses and automobile registration.
    2. The Kentucky Office of insurance promotes sound insurance practices and offers insurance information, including online publications that detail buying auto insurance policies in Kentucky.
  2. National Insurance Resources

A CLICKinsure agent is ready to help you secure the best rates in the commonwealth of Kentucky. CLICKinsure happily serves the Bluegrass State, home to the Kentucky Derby and the vastest recorded system of caves in the world. We help you secure coverage in all of Kentucky, including but not limited to Louisville, Lexington, Owensboro, Bowling Green, Covington, Richmond, and the Tri Cities. With CLICKinsure choosing auto insurance isn’t risky like betting at the Kentucky Derby – your insurance broker will clarify all the possibilities of premiums and deductibles so that you secure the best option.