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Kentucky

Auto Insurance Coverages

How do you choose the auto insurance that's right for you when there are so many companies offering auto insurance in Kentucky? Finding auto insurance that fits your lifestyle can be daunting, but you local Allstate agent will take the time to help you make the right choices as your auto insurance needs change. Allstate offers a wide variety of auto insurance policies, optional insurance coverages and other products available in Kentucky. If you have a teen driver in KY, you must consider Kentucky's Graduated Driver Licensing laws (see chart below).

For more information on this state, visit the Kentucky State Information or Kentucky State Catastrophe page.

Kentucky Auto Insurance Coverage Scale

Do you know what the Kentucky auto insurance coverage requirements are? Use the chart below as a possible starting point to learn more about the Kentucky-required auto insurance coverage levels and the most common car insurance coverages in Kentucky.

Coverage
State Requirements
Most Common
Bodily Injury Liability
25,000/50,000
100,000/300,000
Property Damage Liability
10,000
50,000
Uninsured Motorist Bodily Injury
Not required
100,000/300,000
Medical Payments
Not required
100,000
Collision
Not required
500 deductible
Comprehensive
Not required
500 deductible
Underinsured Motorist Bodily Injury
Not required
25,000/50,000
Personal Injury Protection
10,000
10,000

Kentucky Graduated Driver Licensing

Graduated Driver Licensing (GDL) laws are one of the few things that have been proven to save teen lives. Kentucky has its own variation of these laws that both you and your teen should be familiar with them. You may want to discuss the Kentucky GDL laws with your teen and use them as a foundation for rules you set for your teen driver.

Insurance Institute for Highway Safety Rating
Good
Minimum Entry Age
(Optimal: 16)
16, Has optimal provision
Extended Learner Period
(Optimal: at least 6 months)
Has optimal provision
Parent Certification
(Optimal: 30 hours minimal)
Has optimal provision
Night Restriction
(Optimal: 9 or 10 p.m.)
Has provision, but is not optimal
Passenger Restriction
(Optimal: No teenager passengers or only one-family excepted)
Has optimal provision
Minimum exit age/ Minimum age at which restrictions are lifted (Optimal: 18)
17

Get more information and learn about teen driving research, facts, tips, driving laws, and teen driving programs.

Click here to get an auto insurance quote. Or, you can call 1-866-621-6900 to quote over the phone.

Click on the state listed below to learn more about teen driving rules and insurance coverages in that state.
Illinois, Indiana, Ohio, Missouri, Tennessee, West Virginia

Coverage limits/deductibles identified as "most common" in the chart above are the most popular limits/deductibles selected by Allstate Insurance Company policyholders in Kentucky. Please note state minimums may change from time to time. Check with your state if you have additional questions about current state minimum.
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