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Kentucky car insurance

Getting car insurance in Kentucky

Kentucky, renowned for its rich cultural heritage and diverse landscapes, has several renowned cities including Louisville, Lexington, Bowling Green, and Frankfort. Home to the world-famous Kentucky Derby, professional sports teams, and a thriving bourbon industry, Kentucky is also recognized for its significant contributions to horse racing, music, and American frontier history. With terrain ranging from the Appalachian Mountains in the east to the Mississippi River plains in the west, the state encompasses rolling bluegrass hills, dense forests, and scenic cave systems, as well as landmarks like Mammoth Cave National Park, the Churchill Downs racetrack, and the Abraham Lincoln Birthplace National Historical Park. Travelers can explore much of the state along Interstates 65, 75, 64, and 24, experiencing its unique blend of natural beauty, cultural traditions, and historical significance.

Not in Kentucky? Check your state requirements to determine your auto insurance needs.

Ways to save on Allstate auto insurance in Kentucky

Protect your ride and your wallet with Allstate's simple and personalized car insurance.

  • Save more than ever with a new Drivewise®

    Connect your driving data to save up to 30% with your everyday safe driving. The safer you drive, the less you’ll pay. Plus an extra 10% just for participating.*

  • Good drivers save more with Allstate

    Get rewarded with a big discount for not having any recent tickets or accidents.

  • Auto insurance made simple

    A quoting experience makes it easier than ever to understand your coverage and savings..

Kentucky car insurance state minimums

Finding the right car insurance for you means staying up to date on Kentucky requirements. The table below lists the coverages and minimum coverage limits that are required in Kentucky. Keep in mind, however, that minimum coverage limits are just a starting point. You may want to consider increasing your coverage limits for greater protection.

Coverage type
State requirements

Bodily injury liability
Helps cover expenses related to the injury or death of another driver or a pedestrian when an accident is your fault.

$25,000 limit per person/$50,000 limit per accident

Property damage liability
Helps cover expenses related to the damage of another person's property — like vehicles, homes, buildings and other structures — when an accident is your fault.

$25,000 limit

Uninsured motorist
Helps cover your medical expenses if you're in an accident, the other driver is at fault and doesn't have any insurance.
Not required

Underinsured motorist
Helps cover your medical expenses if you're in an accident, the other driver is at fault and doesn't have enough liability insurance.
Not required

Personal injury protection
If you and/or your passengers are hurt in an accident, this helps cover medical or funeral expenses.

$10,000 limit

Collision
Helps cover expenses to repair or replace your vehicle that's been damaged in an accident.
Not required¹

Comprehensive
Helps cover expenses to repair or replace your vehicle that's been stolen or damaged by things like storms or vandalism.
Not required¹

All coverages are subject to the coverage limits stated in your policy.

¹Although Kentucky law does not require drivers to carry this coverage, it may be required by your lender if you are leasing or financing your vehicle.

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Other types of car insurance coverage in Kentucky

Allstate also offer these other types of car insurance coverage:

  • Roadside coverage
  • Ride For Hire®
  • Rental reimbursement coverage or transportation expense coverage

Learn about these and other car insurance coverage types available.

Kentucky car insurance discounts

It’s possible to get quality coverage at a lower rate than you might think. When you get a quote for Kentucky auto insurance from Allstate, you may be eligible for discounts that could help you save. Some available discounts can include:

  • Multiple policy / bundling discount
  • Responsible payer discount
  • Good student discount
  • Student away at school discount
  • Anti-theft discount

Review the different types of car insurance discounts tailored to you and enjoy savings without cutting coverage.

Insurance bundling discounts

Allstate offers discounts for having multiple polices together, when you need multiple types of protection — for instance, bundling your auto and homeowners insurance could save you money*. When you bundle multiple Allstate insurance policies, you can quickly access them with a single sign-in, where you can review your coverages and make payments.

Factors that can impact your car insurance rates in Kentucky

In addition to selecting the coverages, limits and deductibles that’s right for you, these factors could also affect your car insurance rates in Kansas:

  • The type of car you’re insuring (year, make, model)
  • Your driving habits and annual mileage
  • Demographic factors, like zip code
  • Any discounts you may qualify for

Learn more about these factors that could impact your car insurance premium.

Kentucky’s rules on electronic proof of insurance

If you are stopped by the police and asked to show proof of insurance, you may wonder if you need to find a paper copy of your insurance card, or if you can use an electronic version. In Kentucky, you are allowed to show an electronic copy of your insurance card on your mobile device.

You can use the Allstate mobile app to access a digital ID card.