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.

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:

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.

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 a leading 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 $920 on average^††
• GEICO customers who switch and save with Progressive save $757 on average^§
• State Farm customers who switch and save with Progressive save $661 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.

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.

• Kentucky Vehicle Services: Find out how to get or renew your Kentucky driver's license, non-driver ID, and vehicle registration.
• Kentucky Office of Highway Safety traffic rules: Review Kentucky's traffic and parking regulations.
• Kentucky driving FAQs: Get answers to your questions about getting a REAL ID.
• Car insurance resource center: Learn more about how car insurance works, from terms and definitions to savings tips.