Kentucky auto insurance laws for teens and adults

It doesn’t matter if you live in Paducah, Louisville, Lexington or Horse Cave with so many companies offering auto insurance in Kentucky, how do you choose the auto insurance that's right for you? There are a wide variety of car insurance policies, optional insurance coverages and other products available in Kentucky, and as your auto insurance needs change, your local agent will take the time to help so you can make the choices that are right for you. And if you have a teen driver, there are many other considerations. See the Graduated Driver Licensing chart below.

Kentucky Auto Insurance Coverage Scale

Only you can decide what auto insurance coverages are right for you in Kentucky. But the chart below provides a possible starting point for understanding the Kentucky-required and most common car insurance coverages.


	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

Kentucky has its own variation of Graduated Driver Licensing, and they are one of the few things that have been proven to save teen lives. You and your teen should become familiar with Kentucky laws, and at the very least, you should use these laws to form the baseline for the 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 the provision

	Passenger Restriction (Optimal: only 1 non-family member)			Has optimal provision

	Minimum Exit Age (Optimal: 18)			17

For additional guidelines, click here to download a sample Parent-Teen Driving Agreement to help you and your teen reach an understanding. Take time to learn more about teen driving research, tips, driving laws, programs and teen driving facts.

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.
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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.

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