Kentucky motorcycle insurance

Q: What's the best motorcycle insurance in Kentucky?

One in three insured motorcycle riders choose Progressive.** Whether you ride in Louisville, Lexington, Bowling Green, or anywhere else in the Bluegrass State, the best motorcycle insurance includes reliable and personalized coverage at an affordable cost. Progressive offers cheap motorcycle insurance in Kentucky for bikers wanting peace of mind and protection.

Kentucky offers some of the most scenic motorcycle rides in the country. Riders are free to explore winding backroads, rolling hills, and small towns filled with friendly people. Progressive helps bikers throughout the Bluegrass State with customized protection and discounts to lower the cost of motorcycle insurance in Kentucky. Find out everything you need to know about state requirements, coverages, and cost information.

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What are the minimum requirements for motorcycle insurance in Kentucky?

Kentucky motorcycle laws require all riders to carry motorcycle liability coverage for bodily injury and property damage. Liability coverage may pay for injuries or damage you cause to others while riding, up to your policy's limits. You can increase the amount of liability coverage to fully protect your assets. Liability coverage for property damage, however, doesn't cover your own bike.

Kentucky also requires pedestrian personal injury protection (PIP) coverage. Pedestrian PIP may pay for injuries you cause if you hit a pedestrian.

Required coverage	What it covers	Minimum amount
Bodily injury liability	What it coversInjuries you cause to others in an accident	Minimum amount$25,000 per person $50,000 per accident
Property damage liability	What it coversDamage you cause to other people's property in an accident	Minimum amount$25,000 per accident
Pedestrian personal injury protection	What it coversInjuries you cause to a pedestrian	Minimum amount$10,000 per accident

The state also requires personal injury protection coverage for yourself and your passengers and uninsured motorist bodily injury coverage. You may reject or reduce these coverages by signing a waiver form.

Do you need comprehensive and collision coverage?

If you're financing or leasing your motorcycle, the lender may require comprehensive motorcycle coverage and collision motorcycle coverage. If you own your bike outright, these coverages are optional. But many motorcycle owners want to protect their investment.

Comprehensive may cover damage to your bike from events out of your control: motorcycle theft, vandalism, hitting an animal, fire, and weather events. Collision can cover your motorcycle if it collides with another object or vehicle, no matter who's at fault.

How much is motorcycle insurance in Kentucky?

In 2024, the annual cost for a Progressive motorcycle insurance policy in Kentucky with liability coverage only was $271.87.^* Your rate depends on many factors such as your age, driving history, location, type of bike, and coverage selection. Learn more about the cost of motorcycle insurance.

Pro tip:

Bundle and save with two or more Progressive insurance policies. Get a multi-policy discount when you combine motorcycle insurance with homeowners, renters, auto, RV, or boat insurance.

What's the best motorcycle insurance in Kentucky?

One in three insured motorcycle riders choose Progressive.^** Whether you ride in Louisville, Lexington, Bowling Green, or anywhere else in the Bluegrass State, the best motorcycle insurance includes reliable and personalized coverage at an affordable cost. Progressive offers cheap motorcycle insurance in Kentucky for bikers wanting peace of mind and protection.

You can lower the cost of motorcycle insurance in Kentucky with motorcycle insurance discounts such as:

Multi-policy discount
Military defensive driver discount
Motorcycle license/endorsement discount
Safety course discount
Association membership discount

Find more ways to lower the cost of motorcycle insurance.

Additional motorcycle insurance coverages available in Kentucky

Add more protection to your Progressive motorcycle policy with these optional coverages:

Motorcycle accessory coverage: Can pay for damage to bike upgrades like chrome pieces, electronics, handlebars, and custom paint and wheels
Medical payments: Can pay for injuries you or your passenger suffer, no matter who's at fault
Total loss coverage: May pay your bike's full value if it’s a total loss, protecting against depreciation (available only for bikes no more than one model year old on a new policy)
Carried contents and personal belongings: Can pay to replace any personal effects you're carrying when a covered loss occurs, including theft
Enhanced injury protection: May pay as much as $250 a week for two years if you can't work due to injuries sustained during a crash
Roadside assistance: Covers the cost of towing your bike to the nearest repair shop

Learn more about motorcycle insurance coverages.

Motorcycle laws in Kentucky

Riders over 21 who have held a motorcycle license for at least one year may ride without a helmet.
To get a Kentucky motorcycle license, applicants 18 or older must hold a valid driver's license or permit, or pass the motor vehicle operator's knowledge test and the motorcycle knowledge and skill testing requirements.
Riders 18 years or older can skip the written and skills test if they pass a state-approved safety education course.