Kentucky car insurance: minimums, prices and your estimate
Kentucky requires at least $25,000 of bodily injury liability per person, $50,000 per accident, and $25,000 of property damage liability (written 25/50/25).
Kentucky is a choice no-fault state: required coverage includes $10,000 per person in personal injury protection, but you can reject the limits on lawsuits in writing before a crash. If you do, you keep your full right to sue but cannot collect those benefits.
For policies issued or renewed on or after July 15, 2026, updated personal injury protection rules cap lost income, household help and survivor losses at $500 a week and count up to $5,000 of funeral and burial costs as medical expense.
- Legal minimum
- 25/50/25 + $10k PIP
- Fault system
- Choice no-fault
- Personal injury protection
- Required, $10,000 minimum
- Uninsured motorist
- Must be offered; you can turn it down
- Underinsured motorist
- Optional
- Credit-based pricing
- Allowed
- Gender-based pricing
- Allowed
- High-risk proof filing
- Ask the Transportation Cabinet
What drivers in Kentucky can expect to pay
Monthly ranges from our model, anchored to Kentucky's position in 7 published price studies from 2025 and 2026 ($3,025 a year for full coverage and $925 for minimum coverage for a standard adult driver; which studies). Suburban ZIP code, mid-size sedan a few years old.
| Driver | Estimated monthly | About per year |
|---|---|---|
| Adult, full coverage35, clean record, 100/300/100, $500 deductibles | $217-$288 | $3,025 |
| Adult, state-minimum coverage35, clean record, only what the law requires | $67-$88 | $925 |
| Young driver, full coverage20, own policy, clean record | $403-$605 | $6,050 |
| Senior, full coverage70, clean record | $208-$276 | $2,904 |
| After one at-fault accident35, full coverage | $325-$431 | $4,538 |
| After a DUI35, full coverage | $379-$568 | $5,687 |
| Poor credit35, clean record, full coverage | $387-$556 | $5,657 |
Build your Kentucky estimate
Rules worth knowing in Kentucky
- If you keep the no-fault system, you can sue over injuries only when medical expenses exceed $1,000 or you have certain serious injuries. To reject the lawsuit limits, you must file a Kentucky Department of Insurance form before an accident.
- Uninsured motorist coverage of at least 25/50 is included unless you reject it in writing. Underinsured motorist coverage is not automatic, but insurers must sell it to you if you ask.
- Insurers that use credit must make reasonable exceptions for life events such as a serious illness, a death in the family, divorce, identity theft, losing your job for three months or more, or military deployment.
- Insurers cannot refuse to cover or renew you because of your sex, but they may still use sex in pricing when it is based on valid actuarial tables.
- Driving without insurance can cost you your registration plus a fine of $500 to $1,000, up to 90 days in jail, or both.
- Kentucky sets its own rules on whether a serious violation calls for an SR-22 or similar filing, and for how long, so check with the Kentucky Transportation Cabinet.
Questions about Kentucky car insurance
What is the minimum car insurance in Kentucky?
Kentucky requires at least $25,000 of bodily injury liability per person, $50,000 per accident, and $25,000 of property damage liability (written 25/50/25).
How much is car insurance in Kentucky per month?
For a 35-year-old with a clean record, our model puts full coverage at about $217 to $288 a month and state-minimum coverage at about $67 to $88. Age, record, car, ZIP code and the company you choose move the real number a lot.
Is Kentucky a no-fault state?
Choice no-fault state: you pick between no-fault rules (cheaper, limited right to sue) and the traditional at-fault system when you buy your policy.
Can insurers in Kentucky use my credit score?
Yes. Many insurers in Kentucky use a credit-based insurance score, so better credit usually means a lower price.
Do I need an SR-22 in Kentucky?
Only if a court or the state requires one, usually after a serious violation or a lapse. Kentucky sets its own rules on whether a serious violation calls for an SR-22 or similar filing, and for how long, so check with the Kentucky Transportation Cabinet.