Kentucky car insurance laws

Kentucky requires that drivers carry at least 25/50/25.

These limits are in place to ease the financial burden for drivers who cause an accident and for the victims. The at-fault driver knows their insurer will cover medical expenses and property damage up to a certain amount, and victims can more readily access funds to pay for accident costs.

However, coverage limits are very low and will not cover expenses from a serious accident. To be better protected, Kentucky drivers should consider increasing liability limits and adding coverage, such as collision and comprehensive.

Kentucky car insurance requirements

Kentucky requires the following coverage:

Liability. There are two parts to liability coverage. First, bodily injury liability pays medical costs associated with an accident, such as doctor visits, surgery, and prescriptions. Second, property damage liability covers repairing or replacing items such as vehicles, fences, or buildings.

Kentucky liability minimums are 25/50/25.

Personal injury protection (PIP). Personal injury protectionPersonal injury protection (PIP) pays for your medical, hospital and funeral expenses resulting from a car accident, regardless of who's at fault. pays medical costs, such as doctor visits, childcare expenses, and lost wages, for you or your passengers injured in an accident. PIP may be required for drivers who live in at-fault states.

Kentucky PIP requirements are $10,000.

The average cost of a minimum coverage policy is $606. However, Kentucky Farm Bureau has the lowest minimum car insurance rates, averaging $326.

The table below shows the top insurers' average rates for minimum coverage in Kentucky.

CompanyAverage annual premiumAverage monthly premium
Kentucky Farm Bureau$326$27
Geico$508$42
Auto-Owners$588$49
Travelers$609$51
Shelter Insurance$633$53
State Farm$715$60
Progressive$758$63
Allstate$890$74
Farmers$1,039$87
USAA$533$44
Read our methodology

Kentucky car insurance cost for minimum coverage limits

On average, state minimum car insurance costs $606. Car insurance rates for minimum coverage vary by company and driver. The table below shows average rates for drivers with minimum coverage in Kentucky.

The cheapest company for minimum coverage in Kentucky is Kentucky Farm Bureau at an average rate of $326 annually.

State minimum coverage limit25/50/25
Average annual premium$606
Average monthly premium$51
Read our methodology

Are the Kentucky minimum coverage requirements changing in 2025?

Kentucky car insurance requirements will not change in 2025. You do not need to make any changes if you have minimum coverage. If mandatory coverage changes in the future, your insurer will inform you, along with any rate changes.

Why do limits change?

"Several states have minimum requirements of property damage of $10,000-$25,000," says Zack Pope, agency manager at David Pope Insurance in Missouri. "[Given] the current values of vehicles, that's extremely antiquated values of coverage and a main reason that I personally do not offer less than 100/300/100 to customers. It is significantly easier to see a car on the road that is valued at $100,000 than it has been in the past."

What does minimum car insurance cover in Kentucky?

Kentucky requires drivers to carry at least a minimum amount of car insurance to help offset accident costs.

Kentucky drivers are required to carry liability coverage. Bodily injury liability helps pay for injuries you cause to others in an accident. Property damage liability covers items damaged in an accident, such as another vehicle, fence, or other property.

Kentucky is a no-fault state, meaning your insurer pays for your injuries and damages regardless of who caused the accident. The law requires you to carry personal injury protection (PIP) to pay medical costs, such as doctor visits and prescriptions.

PEOPLE ASK:

Is Kentucky minimum car insurance enough?

It may not be. Even a moderately serious accident could exceed the state minimum limits of 25/50/25, and minimum coverage may not cover all accident costs. Furthermore, state minimums do not cover your vehicle; you need to add comprehensive and collision coverage.

How much car insurance is enough in Kentucky?

Car insurance isn't one size fits all. The amount of coverage you need depends on your assets, net worth and risk level.

For example, if you are financially stable and can afford to pay out of pocket for medical costs and repairs, you may keep insurance limits low. However, you may be sued for the cost difference if you have a sizeable net worth and don't carry enough insurance to cover expenses.

Additionally, if you drive very little or have a short commute, your chances of causing an accident are relatively low. Also, you may choose to skip coverages such as collision and comprehensive if your car isn't worth much, or you can afford to pay for a new vehicle if yours is damaged. However, if you have a loan or lease you will be required to carry this coverage by your lender.

Consider your financial situation when determining how much car insurance you need.

Kentucky penalties for driving without car insurance

Since Kentucky requires its drivers to carry car insurance, failing to do so has consequences. Although you may be tempted to skip coverage to save money, you'll wind up paying heavily in the long run.

Failing to carry Kentucky car insurance has penalties including those listed below. Keep in mind that repeated infractions have more severe penalties, such as jail time.

Fines$500-$1,000
Other penaltiesRegistration suspension
Jail timePossible
Read our methodology

Kentucky minimum coverage cost by age group

Younger drivers pay for more car insurance because they lack experience behind the wheel. Fortunately, rates decrease as drivers age.

The table below breaks down the cost of car insurance for various age groups. Kentucky Farm Bureau has the best rates for teens with minimum coverage averaging $1,013. Kentucky Farm Bureau offers the cheapest coverage for adults at $320.

Additionally, females and males pay different rates. The average rate for a 40-year-old female is $611, and the average rate for a 40-year-old male is $601, a difference of $10.

Male
AgeCompanyMale annual premiumMale monthly premium
16Kentucky Farm Bureau$1,288$107
16Geico$2,380$198
16Shelter Insurance$2,463$205
16Auto-Owners$2,642$220
16Travelers$2,846$237
16State Farm$3,086$257
16Progressive$3,840$320
16Allstate$4,769$397
16USAA$2,464$205
17Kentucky Farm Bureau$1,288$107
17Travelers$2,097$175
17Shelter Insurance$2,171$181
17Auto-Owners$2,366$197
17Geico$2,380$198
17State Farm$2,678$223
17Progressive$3,292$274
17Allstate$4,142$345
17USAA$1,486$124
18Kentucky Farm Bureau$884$74
18Travelers$1,659$138
18Geico$1,872$156
18Shelter Insurance$2,003$167
18Auto-Owners$2,059$172
18State Farm$2,298$192
18Progressive$2,771$231
18Allstate$2,836$236
18USAA$1,238$103
19Kentucky Farm Bureau$884$74
19Travelers$1,323$110
19Geico$1,494$125
19Progressive$1,572$131
19Auto-Owners$1,644$137
19Allstate$1,669$139
19Shelter Insurance$1,821$152
19State Farm$1,971$164
19USAA$901$75
20Kentucky Farm Bureau$884$74
20Travelers$1,125$94
20Geico$1,223$102
20Auto-Owners$1,377$115
20Progressive$1,413$118
20Allstate$1,486$124
20Shelter Insurance$1,630$136
20State Farm$1,692$141
20USAA$821$68
21Kentucky Farm Bureau$546$46
21Travelers$939$78
21Geico$1,066$89
21Progressive$1,151$96
21Auto-Owners$1,188$99
21Allstate$1,192$99
21Shelter Insurance$1,355$113
21State Farm$1,425$119
21USAA$771$64
22Kentucky Farm Bureau$546$46
22Travelers$853$71
22Geico$980$82
22Auto-Owners$1,043$87
22Progressive$1,056$88
22Allstate$1,098$92
22Shelter Insurance$1,244$104
22State Farm$1,276$106
22USAA$720$60
23Kentucky Farm Bureau$523$44
23Travelers$780$65
23Geico$888$74
23Auto-Owners$921$77
23Progressive$966$81
23Allstate$1,020$85
23State Farm$1,115$93
23Shelter Insurance$1,161$97
23USAA$684$57
24Kentucky Farm Bureau$523$44
24Travelers$736$61
24Geico$796$66
24Auto-Owners$825$69
24Progressive$893$74
24State Farm$982$82
24Allstate$1,006$84
24Shelter Insurance$1,094$91
24USAA$662$55
25Kentucky Farm Bureau$418$35
25Geico$619$52
25Travelers$653$54
25Auto-Owners$764$64
25Progressive$784$65
25State Farm$869$72
25Shelter Insurance$902$75
25Allstate$925$77
25USAA$621$52
30Kentucky Farm Bureau$337$28
30Geico$534$45
30Auto-Owners$589$49
30Travelers$632$53
30State Farm$713$59
30Progressive$721$60
30Shelter Insurance$784$65
30Allstate$924$77
30Farmers$1,039$87
30USAA$539$45
35Kentucky Farm Bureau$337$28
35Geico$534$45
35Auto-Owners$589$49
35Travelers$642$54
35Shelter Insurance$686$57
35State Farm$704$59
35Progressive$720$60
35Allstate$872$73
35Farmers$1,010$84
35USAA$531$44
40Kentucky Farm Bureau$326$27
40Geico$534$45
40Auto-Owners$588$49
40Travelers$601$50
40Shelter Insurance$633$53
40State Farm$715$60
40Progressive$719$60
40Allstate$869$72
40Farmers$1,004$84
40USAA$526$44
45Kentucky Farm Bureau$326$27
45Geico$534$45
45Auto-Owners$578$48
45Shelter Insurance$596$50
45Travelers$599$50
45Progressive$715$60
45State Farm$720$60
45Allstate$869$72
45Farmers$991$83
45USAA$517$43
50Kentucky Farm Bureau$273$23
50Geico$517$43
50Shelter Insurance$544$45
50Auto-Owners$563$47
50Travelers$589$49
50Progressive$687$57
50State Farm$707$59
50Allstate$879$73
50Farmers$924$77
50USAA$509$42
55Kentucky Farm Bureau$273$23
55Geico$517$43
55Shelter Insurance$526$44
55Auto-Owners$555$46
55Travelers$556$46
55State Farm$687$57
55Progressive$692$58
55Allstate$873$73
55Farmers$885$74
55USAA$498$42
60Kentucky Farm Bureau$273$23
60Geico$520$43
60Shelter Insurance$526$44
60Auto-Owners$563$47
60Travelers$566$47
60State Farm$670$56
60Progressive$696$58
60Farmers$877$73
60Allstate$891$74
60USAA$502$42
65Kentucky Farm Bureau$297$25
65Shelter Insurance$543$45
65Geico$545$45
65Auto-Owners$601$50
65Travelers$608$51
65State Farm$661$55
65Progressive$727$61
65Farmers$919$77
65Allstate$935$78
65USAA$528$44
70Kentucky Farm Bureau$338$28
70Shelter Insurance$587$49
70Geico$613$51
70Travelers$650$54
70Auto-Owners$684$57
70State Farm$697$58
70Progressive$773$64
70Allstate$935$78
70USAA$596$50
75Kentucky Farm Bureau$399$33
75Shelter Insurance$633$53
75Geico$684$57
75Travelers$730$61
75State Farm$772$64
75Auto-Owners$797$66
75Progressive$899$75
75Allstate$1,041$87
75Farmers$1,078$90
75USAA$676$56
Read our methodology
AgeCompanyFemale annual premiumFemale monthly premium
16Kentucky Farm Bureau$1,081$90
16Geico$1,798$150
16Shelter Insurance$1,804$150
16Auto-Owners$2,065$172
16Travelers$2,253$188
16State Farm$2,462$205
16Progressive$3,607$301
16Allstate$4,844$404
16USAA$2,325$194
17Kentucky Farm Bureau$1,081$90
17Travelers$1,708$142
17Shelter Insurance$1,604$134
17Auto-Owners$1,813$151
17Geico$1,798$150
17State Farm$2,132$178
17Progressive$3,024$252
17Allstate$3,614$301
17USAA$1,435$120
18Kentucky Farm Bureau$800$67
18Travelers$1,385$115
18Geico$1,506$126
18Shelter Insurance$1,499$125
18Auto-Owners$1,625$135
18State Farm$1,850$154
18Progressive$2,548$212
18Allstate$2,557$213
18USAA$1,220$102
19Kentucky Farm Bureau$800$67
19Travelers$1,131$94
19Geico$1,300$108
19Progressive$1,492$124
19Auto-Owners$1,384$115
19Allstate$1,608$134
19Shelter Insurance$1,394$116
19State Farm$1,603$134
19USAA$833$69
20Kentucky Farm Bureau$800$67
20Travelers$989$82
20Geico$1,225$102
20Auto-Owners$1,247$104
20Progressive$1,365$114
20Allstate$1,443$120
20Shelter Insurance$1,285$107
20State Farm$1,403$117
20USAA$770$64
21Kentucky Farm Bureau$543$45
21Travelers$847$71
21Geico$946$79
21Progressive$1,164$97
21Auto-Owners$1,139$95
21Allstate$1,133$94
21Shelter Insurance$1,110$93
21State Farm$1,210$101
21USAA$723$60
22Kentucky Farm Bureau$543$45
22Travelers$785$65
22Geico$912$76
22Auto-Owners$1,056$88
22Progressive$1,097$91
22Allstate$1,118$93
22Shelter Insurance$1,065$89
22State Farm$1,104$92
22USAA$667$56
23Kentucky Farm Bureau$525$44
23Travelers$745$62
23Geico$812$68
23Auto-Owners$972$81
23Progressive$1,003$84
23Allstate$1,090$91
23State Farm$973$81
23Shelter Insurance$994$83
23USAA$644$54
24Kentucky Farm Bureau$525$44
24Travelers$730$61
24Geico$754$63
24Auto-Owners$909$76
24Progressive$942$79
24State Farm$886$74
24Allstate$1,037$86
24Shelter Insurance$937$78
24USAA$624$52
25Kentucky Farm Bureau$413$34
25Geico$605$50
25Travelers$656$55
25Auto-Owners$855$71
25Progressive$851$71
25State Farm$801$67
25Shelter Insurance$898$75
25Allstate$948$79
25USAA$597$50
30Kentucky Farm Bureau$337$28
30Geico$488$41
30Auto-Owners$589$49
30Travelers$638$53
30State Farm$713$59
30Progressive$816$68
30Shelter Insurance$785$65
30Allstate$931$78
30Farmers$1,110$93
30USAA$553$46
35Kentucky Farm Bureau$337$28
35Geico$487$41
35Auto-Owners$589$49
35Travelers$645$54
35Shelter Insurance$686$57
35State Farm$704$59
35Progressive$816$68
35Allstate$913$76
35Farmers$1,083$90
35USAA$545$45
40Kentucky Farm Bureau$326$27
40Geico$482$40
40Auto-Owners$588$49
40Travelers$616$51
40Shelter Insurance$633$53
40State Farm$715$60
40Progressive$796$66
40Allstate$912$76
40Farmers$1,065$89
40USAA$540$45
45Kentucky Farm Bureau$326$27
45Geico$478$40
45Auto-Owners$578$48
45Shelter Insurance$592$49
45Travelers$612$51
45Progressive$792$66
45State Farm$720$60
45Allstate$911$76
45Farmers$1,037$86
45USAA$531$44
50Kentucky Farm Bureau$273$23
50Geico$484$40
50Shelter Insurance$536$45
50Auto-Owners$563$47
50Travelers$592$49
50Progressive$751$63
50State Farm$707$59
50Allstate$867$72
50Farmers$986$82
50USAA$524$44
55Kentucky Farm Bureau$273$23
55Geico$486$41
55Shelter Insurance$515$43
55Auto-Owners$555$46
55Travelers$554$46
55State Farm$689$57
55Progressive$723$60
55Allstate$858$72
55Farmers$924$77
55USAA$517$43
60Kentucky Farm Bureau$273$23
60Geico$491$41
60Shelter Insurance$515$43
60Auto-Owners$563$47
60Travelers$553$46
60State Farm$670$56
60Progressive$727$61
60Farmers$921$77
60Allstate$876$73
60USAA$522$44
65Kentucky Farm Bureau$297$25
65Shelter Insurance$541$45
65Geico$506$42
65Auto-Owners$601$50
65Travelers$594$50
65State Farm$661$55
65Progressive$765$64
65Farmers$998$83
65Allstate$911$76
65USAA$545$45
70Kentucky Farm Bureau$338$28
70Shelter Insurance$584$49
70Geico$570$48
70Travelers$630$53
70Auto-Owners$684$57
70State Farm$697$58
70Progressive$801$67
70Allstate$912$76
70USAA$597$50
75Kentucky Farm Bureau$399$33
75Shelter Insurance$627$52
75Geico$634$53
75Travelers$688$57
75State Farm$772$64
75Auto-Owners$797$66
75Progressive$858$72
75Allstate$1,014$85
75FarmersNANA
75USAA$662$55
Read our methodology

Kentucky minimum coverage cost by city

Bowling Green drivers pay the least for minimum coverage in Kentucky at $525. However, Louisville pay the most at $776.

Car insurance rates vary by city. For example, drivers in larger cities with a high traffic volume or vehicle theft rate pay higher rates.

The table below shows average minimum coverage rates for cities in Kentucky.

CityAverage annual premiumAverage monthly premium
Bowling Green$525$44
Florence$527$44
Owensboro$543$45
Elizabethtown$544$45
Georgetown$546$45
Jeffersonville$547$46
Covington$553$46
Nicholasville$575$48
Richmond$588$49
Lexington$602$50
Jeffersontown$637$53
Louisville$776$65
Read our methodology

Optional car insurance coverage in Kentucky

Kentucky requires drivers to carry car insurance to pay for injuries and damages caused to others. However, drivers don't have to carry coverage for their vehicle unless required by a loan or lease.

Drivers may choose optional coverages such as:

  • Collision. Collision coverage pays for damages to your vehicle if you cause an accident.
  • Comprehensive. This coverage pays for damages to your car unrelated to an accident, such as fire, flood, falling debris, and hail.
  • Rental car coverage. This pays for a rental car if your vehicle is being repaired for a covered claim and usually has time and cost limits.
  • Roadside assistance. If you run out of gas, need a tire changed, or have a dead battery roadside assistance will send someone to help.
  • Gap. Gap coverage pays the difference between what you owe on a car loan and the vehicle's value.

Insurance.com commissioned state minimum car insurance rates from Quadrant Information Systems based on a 40-year-old driver with good credit and a clean driving history, driving a 2023 Honda Accord LX. Rates are based on all coverages required by law at minimum coverage limits. Rates were also fielded for various additional age groups. State laws were gathered from state DMV and insurance department websites.

Kentucky car insurance laws and requirements: FAQs

Is it mandatory to have car insurance in Kentucky?

Yes, Kentucky requires that you carry at least the minimum mandatory coverage. Necessary coverage includes PIP $10,000.

Will my bare minimum car insurance cover me in another state?

Yes, your car insurance covers claims in another state, even if the minimums are higher in the other state.

What happens if I drive without car insurance in Kentucky?

If you're caught driving without car insurance in Kentucky, you may face fines, a driver's license suspension, having your vehicle impounded, and increased car insurance rates. Additionally, you may face jail time, especially for multiple violations.

Compare state minimum requirements with other states

Alabama
$433/year
Alaska
$398/year
Arizona
$516/year
Arkansas
$397/year
California
$551/year
Colorado
$437/year
Connecticut
$704/year
Delaware
$788/year
Florida
$993/year
Georgia
$577/year
Hawaii
$396/year
Idaho
$357/year
Illinois
$421/year
Indiana
$417/year
Iowa
$260/year
Kansas
$434/year
Louisiana
$722/year
Maine
$335/year
Maryland
$727/year
Massachusetts
$511/year
Michigan
$654/year
Minnesota
$475/year
Mississippi
$463/year
Missouri
$488/year
Montana
$350/year
Nebraska
$331/year
Nevada
$720/year
New Hampshire
$397/year
New Jersey
$853/year
New Mexico
$421/year
New York
$731/year
North Carolina
$476/year
North Dakota
$349/year
Ohio
$362/year
Oklahoma
$408/year
Oregon
$641/year
Pennsylvania
$375/year
Rhode Island
$646/year
South Carolina
$720/year
South Dakota
$307/year
Tennessee
$442/year
Texas
$572/year
Washington, D.C.
$558/year
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