Kentucky car insurance

When driving through Lexington or Louisville, you can be confident that you've got the right coverages for your needs with Progressive. Learn more about auto insurance in Kentucky, including optional coverages to consider and a few discounts you could earn.

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What are Kentucky's minimum auto insurance requirements?

Drivers in Kentucky are required to have auto liability coverage (BI liability and PD liability ) and personal injury protection (PIP) at the following minimum limits:

CoverageWhat it coversMinimum amount
Bodily injury liabilityWhat it coversInjuries you cause to others in an accidentMinimum amount$25,000 per person
$50,000 per accident
Property damage liabilityWhat it coversDamage you cause to other people's property in an accidentMinimum amount$25,000 per accident
Personal injury protection (PIP)What it coversYour medical costs due to an accident, plus lost wages and death benefits, regardless of who's at faultMinimum amount$10,000
Note: You can waive basic PIP coverage and choose a limited PIP option instead

While these are Kentucky's minimum required car insurance limits, higher coverage amounts may better protect your family's financial wellbeing. Learn how much car insurance you may need based on your circumstances and preferences.

Is Kentucky a no-fault state?

Yes. Kentucky has been a no-fault state since 1975, according to the Insurance Information Institute. As a no-fault state, Kentucky requires drivers to carry PIP coverage so that their own insurance covers some or all of their medical expenses after a car accident, regardless of who's at fault. No-fault car insurance also restricts the right to sue only to lawsuits that involve severe injuries.

How much is car insurance in Kentucky?

The average cost of a six-month liability-only policy in Kentucky is $135.80 per month.* Keep in mind that car insurance rates vary based on a number of factors, including your driving history and ZIP code. Learn more about what can impact your car insurance rate.

Ready to make the switch? Drivers nationwide who switch and save with Progressive save nearly $750 on average.† Get an auto insurance quote today.

What is the best car insurance in Kentucky?

Finding the best car insurance in Kentucky means taking the time to compare equal coverages, limits, deductibles, and discounts. Progressive offers plenty of incentives to help drivers in Kentucky get the best car insurance. Our auto insurance customers earn an average of seven discounts, and we're the #1 combined personal and commercial auto insurance company.**

If you're looking for the cheapest car insurance in Kentucky, here's how much drivers nationwide who save after switching to Progressive save on average compared to their previous auto insurer:

  • Allstate customers who switch and save with Progressive save $775 on average††
  • GEICO customers who switch and save with Progressive save $740 on average§
  • State Farm customers who switch and save with Progressive save $565 on average‡

How do I lower my car insurance cost in Kentucky?

To lower your car insurance cost in Kentucky, you may qualify for the following discounts through Progressive:

  • Multi-policy
  • Continuous insurance
  • Distant student
  • Quoting online
  • Paperless

See all our auto insurance discounts.

Pro tip:

Save when you bundle! One way to get cheap car insurance in Kentucky is to combine your auto and home policies with Progressive — new customers who save bundling home and auto insurance save over 20% on average nationwide.†

Additional car insurance coverages to consider

If you're leasing or financing a vehicle, most lenders require you to carry comprehensive auto coverage and collision coverage in addition to Kentucky's state-required coverages. Comprehensive and collision pay to repair or replace your car regardless of fault, if it's in an accident, gets stolen, or is otherwise damaged due to a covered accident. It also makes sense to add these physical damage coverages if you're not sure you can afford a new car or major repairs after an accident.

Explore all our car insurance coverages, and our car insurance calculator, to find which ones are recommended for you.

Kentucky driving resources

From Hopkinsville to Paducah, get to know Kentucky's driving laws and resources. Local municipalities may have additional laws and resources.

How to get car insurance in Kentucky

Go online

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Quote car insurance online or give us a call

Learn more about car insurance policies.

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Please note: The above is meant as general information to help you understand the different aspects of insurance. Read our editorial standards for Answers content. This information is not an insurance policy, does not refer to any specific insurance policy, and does not modify any provisions, limitations, or exclusions expressly stated in any insurance policy. Descriptions of all coverages and other features are necessarily brief; in order to fully understand the coverages and other features of a specific insurance policy, we encourage you to read the applicable policy and/or speak to an insurance representative. Coverages and other features vary between insurers, vary by state, and are not available in all states. Whether an accident or other loss is covered is subject to the terms and conditions of the actual insurance policy or policies involved in the claim. References to average or typical premiums, amounts of losses, deductibles, costs of coverages/repair, etc., are illustrative and may not apply to your situation. We are not responsible for the content of any third-party sites linked from this page.

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*Average rates for a liability-only Progressive auto policy with one vehicle and one driver for 2023. Individual rates may be higher or lower depending on a variety of factors, including, but not limited to, vehicle, age, driving record, and location.

†National average 12 month savings (auto = $744, bundle = $779) by new customers surveyed who saved with Progressive between June 2022 and May 2023. Potential savings will vary.

**No. 1 in combined personal and commercial auto from SNL Financial's 2021 national written premium data.

††National average 12 month savings of $775 by new customers surveyed who switched from Allstate and saved with Progressive between June 2022 and May 2023. Potential savings will vary.

§National average 12 month savings of $740 by new customers surveyed who switched from GEICO and saved with Progressive between June 2022 and May 2023. Potential savings will vary.

‡National average 12 month savings of $565 by new customers surveyed who switched from State Farm and saved with Progressive between June 2022 and May 2023. Potential savings will vary.