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Kentucky Auto Insurance Facts

We’ll make you feel more prepared driving in Kentucky.

The state minimum auto insurance coverage in Kentucky:

Liability Coverage

Minimum

Description

Bodily Injury Per Person $25,000 Each person you injured in an accident that you cause would receive $25,000, up to your policy limit.
Bodily Injury Per Accident $50,000 The maximum your insurance would pay out for an accident you caused. At state minimums, this would cover 2 people in the other car. Anything above this limit would need to be paid out of pocket.
Property Damage Per Accident $10,000 The maximum your insurance company would pay to cover damage to the other driver’s vehicle in an accident.

 

Although each state sets a minimum liability amount, it’s good practice to review coverage options with your insurance agent. State minimums may not cover you as much as you’d like in the case of a serious accident. Liability coverage does not cover damage to your car or costs from your injuries.

 

Personal Injury Protection (PIP)

Minimum

Per Person $10,000

 

Personal Injury Protection will help with costs beyond medical in the event of an accident. It will help pay for medical expenses, work loss, and even funeral costs.

 

Other types of auto insurance you can add to your policy are:

 

UNINSURED/UNDERINSURED MOTORIST

Uninsured/underinsured motorist coverage is only required in some states, but it will protect you if you get into an accident with a motorist without the proper insurance coverage. Uninsured or underinsured motorists can end up costing you due to another driver’s negligence.

 

COLLISION COVERAGE

Collision coverage will help pay for damages to your car in the event that your car hits another vehicle or an object, such as a building or guard rail.

 

COMPREHENSIVE COVERAGE

Comprehensive coverage will cover damage to your car that isn’t caused by an accident, such as a vandalism or theft. It also covers fire, weather damage, and animal collisions.

 

MEDICAL PAYMENTS

Medical payments help pay for you or your passengers if they get hurt in an accident in your vehicle.

MAX SPEED LIMIT
70 MPH
MILES OF HIGHWAY
165,944
DUI LEGAL LIMIT
0.08
WEIRD DRIVING LAWS IN STATE

WEIRD DRIVING LAWS IN STATE

TEXTING LAWS

TEXTING LAWS

Under 18 banned from all cell phone use

Illegal to text and drive

MOST STOLEN VEHICLES

MOST STOLEN VEHICLES

  1. 1991 Toyota Camry
  2. 1994 Ford F150 Pickup
  3. 1995 Jeep Cherokee/Grand Cherokee
  4. 1997 Ford Taurus
  5. 1999 Ford Explorer
  6. 1986 Oldsmobile Cutlass
  7. 1995 Ford Ranger
  8. 1997 Dodge Ram Pickup
  9. 1990 Chevrolet 4×2 Pickup
  10. 1996 Honda Accord

RAINFALL
48.9
SNOWFALL
8.8
DAYS OF SNOWFALL
11.8
POPULAR CITIES

POPULAR CITIES

Frankfort
Louisville

SCENIC DRIVES

SCENIC DRIVES

Route 77

Old Frankfort Pike

STATE PARKS

STATE PARKS

Natural Bridge State Resort Park

Cumberland Falls State Resort Park

Carter Caves State Resort Park