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Kentucky car insurance
Traffic along I-64 and I-75 around Lexington poses different risks than, say, the winding mountain roads of eastern Kentucky. Your car insurance should fit where and how you drive. Progressive helps you compare coverage options and build a policy around your needs and budget. Get started with our rate comparison tool which lets you compare your Progressive quote with rates from other insurers.
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What are the minimum auto insurance requirements in Kentucky?
Kentucky requires drivers to carry liability insurance and personal injury protection (PIP) with at least the following limits:
Coverage
|
Coverage |
What it covers |
Minimum amount |
|---|---|---|
|
Bodily injury liability |
Injuries you cause to others in an accident |
$25,000 per person |
|
Property damage liability |
Damage you cause to someone else's vehicle or other property in an accident |
$25,000 per accident |
|
Personal injury protection (PIP) |
Medical expenses, lost wages, and other covered costs after an accident, regardless of fault |
$10,000 |
While these are Kentucky's minimum coverage limits, higher limits may offer better financial protection after a serious accident. See how much car insurance you may need.
Kentucky allows individuals to reject the state's no-fault limitations, and associated PIP coverage, in writing. This rejection results in lower premiums but also reduces available benefits.
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Car insurance discounts in Kentucky
Progressive offers several ways to save on car insurance in Kentucky. Popular discounts include:
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Savings!Continuous insurance
Save when you've maintained continuous auto insurance coverage. The longer you've been insured without a lapse, the more you may save.
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Multi-policy
Save when you have more than one type of insurance policy with Progressive. You may qualify when you combine auto insurance with home, renters, motorcycle, boat, or another eligible policy.
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Paperless
Save when you choose paperless billing and receive your policy documents online. You'll get your statements, ID cards, and policy details by email.
What is the average cost of car insurance in Kentucky?
Car insurance costs an average of $144.44 per month in Kentucky for a liability-only policy from Progressive in 2025.† That amount is based on one vehicle and one driver. Your rate may vary based on factors such as your driving history, ZIP code, vehicle, and coverage choices.
Factors that impact your auto insurance rate in Kentucky
Several factors affect how much you pay for auto insurance in Kentucky, including:
- Driving and claims history: Tickets, accidents, and prior claims may affect your rate.
- Vehicle type: Insurers consider your car's make, model, age, safety features, and repair costs when setting rates.
- Location: Rates may reflect traffic, theft, weather, and claim frequency where you live. Kentucky's mix of urban areas, such as Louisville and Lexington, rural roads, and regions exposed to severe storms and flooding can create different insurance risks across the state.
- Vehicle use: How often and how far you drive may affect your rate.
- Coverage choices and deductibles: The coverages, limits, and deductibles you choose affect your premium. Higher limits or additional coverage generally cost more, while a higher deductible may lower your rate.
Recommended additional auto insurance coverages in Kentucky
Kentucky's required liability and PIP coverage may not cover every type of damage or expense after an accident. Additional coverages can help protect you and your vehicle.
Kentucky auto policies generally include uninsured motorist coverage unless the named insured rejects it in writing. Insurers must also make underinsured motorist coverage available upon request. If you finance or lease your vehicle, your lender or leasing company may require comprehensive and collision coverages.
Kentucky driving resources
Use these resources to learn more about Kentucky driving laws, insurance requirements, vehicle registration, and road conditions.
- Kentucky DRIVE: Find information about driver's licenses, vehicle registration, mandatory insurance requirements, and other motor vehicle services.
- Kentucky Department of Insurance: Review auto insurance information, consumer guidance, and complaint resources.
- Kentucky Office of Highway Safety: Find information about impaired driving, seat belts, distracted driving, motorcycle safety, and other traffic-safety programs.
- GoKY: Check current traffic, crashes, construction, road conditions, and other travel information across Kentucky.
How to get car insurance in Kentucky with Progressive
Progressive gives Kentucky drivers several ways to compare coverage options and get an auto insurance quote. With the Name Your Price® tool, you can explore coverage options based on the price you want to pay.
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Go online
We ask easy questions, and you customize your coverages.
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Call a rep
Talk with a licensed representative who can guide you through the process.
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Through an agent
Connect with an independent agent in your area.
Kentucky car insurance FAQs
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