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Kentucky Car Insurance

PROTECTION THAT'S MADE FOR YOU

Where you live determines the auto insurance coverage levels you must have. Kentucky law requires certain coverages and sets minimum coverage limits that all drivers must purchase. However, you may be able to increase your coverage by selecting higher coverage limits. Take a closer look at what's required in Kentucky with the table below.

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State Map

Auto insurance requirements are based on your location. You're looking at auto requirements in Kentucky. Pick a new state to see its laws:

Coverage Type
Kentucky 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 accident1
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 limit1
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 required2
Comprehensive
Helps cover expenses to repair or replace your vehicle that's been stolen or damaged by things like storms or vandalism
Not required2


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

1Alternatively, a policy with a single limit of $60,000 is acceptable.

2Although 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.

Related Resources

State chart requirements provided for informational purposes only. State minimums and required coverages vary by state and may change from time to time. Check with your state for up-to-date information or if you have questions about current state minimums.

Subject to terms, conditions, and availability. In most states, prices vary based on how you buy. Policy issuance is subject to qualifications. Allstate Insurance Company, Allstate Indemnity Company, Allstate Property and Casualty Insurance Company, Allstate Fire and Casualty Ins. Co. & affiliates; Northbrook, IL. © 2021 Allstate Insurance Company

Many factors go into the cost of your auto insurance policy, including how you purchase the policy: online, through a call center, or with an agent.

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