Kentucky car insurance

Kentucky Highway 192 has been nicknamed "The Rattlesnake" due to its winding, challenging roads. We'll help make sure you aren't bitten by having the wrong coverages for your needs. Learn more about auto insurance in Kentucky, including optional coverages to consider and a few discounts you could earn.

3 min to read

Explore Progressive Answers' auto editorial guidelines to find out why you can trust the car insurance information you find here.

What are Kentucky's auto insurance requirements?

Kentucky's minimum auto insurance requirements include liability coverage and personal injury protection. Since Kentucky is a no-fault state, your personal injury protection will primarily help pay for any injuries you suffer in an accident, rather than the "at-fault" driver's liability coverage. Bluegrass State drivers must have the following minimum limits for each coverage before hitting the road:

Coverage	What it covers	Amount
Bodily injury liability coverage (BI)	What it coversInjuries you cause to others in a car accident.	Amount$25,000 per person $50,000 total per accident
Property damage liability coverage (PD)	What it coversOther people's property you damage in a car accident.	Amount$25,000 per accident
Personal injury protection (PIP)	What it coversYour medical bills and other expenses after an accident, regardless of who caused it.	Amount$10,000 Note: You can waive basic PIP coverage and choose a limited PIP option instead.

Explore comprehensive and collision coverage

Kentucky, like all states, doesn't require comprehensive and collision coverages. However, your lender may require you to carry both coverages when you finance or lease your vehicle. But even if you own your car outright, these car insurance coverages can give you peace of mind in the event of an accident, damage, or theft. Learn more about comprehensive coverage and collision coverage today.

Our Name Your Price® Tool gives you the power to choose. Let us know what you want to pay, and we'll show you coverage options in that price range.

How much is car insurance in Kentucky?

In 2021-2022, the average liability-only Progressive auto insurance policy (single driver/single car) in Kentucky cost $126 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 car insurance discounts are available in Kentucky?

There are many different ways for Kentucky drivers to earn discounts:

Loyalty-based discounts

Bundling your auto and home insurance in Kentucky will earn you our multi-policy discount. Learn more about Progressive homeowners insurance in Kentucky.

Do you rent? Bundling your car and renters insurance can also earn you a discount! You can even earn a discount for being continuously insured — the longer you're insured, the bigger your discount.

Driver-based discounts

Have a student away at school? You can earn our distant student discount if they live over 100 miles away from home and don't have their own car while attending school. You could also earn a discounted rate through Snapshot®, a program that personalizes your rate based on how safely you drive.

Quote & buy discounts

Get a discount for quoting online — all you have to do is finish your car insurance quote online to save more. Plus, you can earn our paperless discount simply by getting your insurance documents over email.

See all auto insurance discounts.

Pro tip:

Customers nationwide who switch and save with us save nearly $750 on average.^** Get your car insurance quote today.

Interesting facts about driving in Kentucky:

Eastern Kentucky is home to more than 10,000 wild elk, and elk-related car accidents occur every year. Pay attention to elk-crossing signs in that part of the state and watch your speed, especially around blind curves.
Kentucky's rural roads are some of its most dangerous, sometimes lacking safety features like lighting, left-turn lanes, and wide shoulders. Stay aware while driving those country roads and consider additional coverage to protect yourself in case of an accident.
Are you a classic sports car nut? If so, you may already know that since 1981, the only Corvette assembly facility in the world can be found in Bowling Green. If you buy one of their vintage vehicles, make sure to check out classic car insurance with Progressive.
In Kentucky, no deductible is charged for windshield replacement claims as long as the policyholder has comprehensive coverage and meets all coverage requirements.