Kentucky motorcycle insurance

Kentucky offers motorcycle riders the opportunity to explore the backroads, where they'll find winding roads, rolling hills, and friendly people. Progressive assists bikers throughout the Bluegrass State with customized protection and a variety of discounts to help minimize the cost of motorcycle insurance in Kentucky. Find out everything you need to know about state requirements, coverages, discount opportunities, and cost information.

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What are the minimum requirements for motorcycle insurance in Kentucky?

Kentucky motorcycle laws require all riders to carry motorcycle liability coverage for bodily injury and property damage. Liability coverage may pay for injuries or damage you cause to others while riding, up to your policy's limits. Liability coverage for property damage, however, doesn't cover your own bike. You can increase the amount of liability coverage, if necessary, in order to fully protect your assets.

Kentucky also mandates pedestrian personal injury protection (PIP) coverage. Pedestrian PIP may pay for injuries you cause when striking a pedestrian.

Required coverage	What it covers	Minimum amount
Bodily injury liability	What it coversInjuries you cause to others in an accident	Minimum amount$25,000 per person $50,000 per accident
Property damage liability	What it coversDamage you cause to other people's property in an accident	Minimum amount$25,000 per accident
Pedestrian personal injury protection	What it coversInjuries you cause to a pedestrian	Minimum amount$10,000 per accident

Personal injury protection coverage for you and your passengers and uninsured motorist bodily injury coverage are also required, but you may reject or lower these coverages by submitting a signed form.

Do you need comprehensive and collision coverage?

If you're financing or leasing your motorcycle, the lender may require that you carry comprehensive motorcycle coverage and collision motorcycle coverage. If you own your bike, these coverages are optional. But we understand many motorcycle owners want to safeguard their investment from physical damage and loss. Comprehensive may cover damage to your bike from events out of your control: motorcycle theft, vandalism, hitting an animal, fire, and weather-related issues. Collision can cover your motorcycle if it collides with another object or vehicle, regardless of who's at fault.

How much is motorcycle insurance in Kentucky?

In 2023, the annual cost for a Progressive motorcycle insurance policy in Kentucky with liability coverage only was $251.44.^* Many factors influence your price for motorcycle insurance, including your age, driving history, location, type of bike, and coverage selection. Learn more about the cost of motorcycle insurance.

Pro tip:

Bundle and save with two or more Progressive insurance policies. Get a multi-policy discount when you combine motorcycle insurance with homeowners, renters, auto, RV, or boat insurance.

What's the best motorcycle insurance in Kentucky?

Nearly one in three insured motorcycle riders choose Progressive.^** Whether you ride in Louisville, Lexington, Bowling Green, or anywhere else in the Bluegrass State, the best motorcycle insurance includes reliable and personalized coverage at an affordable cost. Progressive offers cheap motorcycle insurance in Kentucky for bikers that offers peace of mind and valuable protection.

You can lower the cost of motorcycle insurance in Kentucky with motorcycle insurance discounts, such as:

Multi-policy discount
Military defensive driver discount
Motorcycle license/endorsement discount
Safety course discount
Association membership discount

Find out more ways to lower the cost of motorcycle insurance.

Additional motorcycle insurance coverages available in Kentucky

For increased protection, the following optional coverages may be added to your Progressive motorcycle policy:

Motorcycle accessory coverage: Can pay for damage to the upgrades you've made to your bike and your equipment, such as chrome pieces, electronics, handlebars, and custom paint and wheels
Medical payments: Can pay for injuries you or your passenger suffer, regardless of fault
Total loss coverage: May pay for the full value of your bike in the event of a total loss, protecting against depreciation (available only for bikes no more than one model year old on a new policy)
Carried contents and personal belongings: Can pay to replace any personal effects you're carrying when a covered loss occurs, including theft
Enhanced injury protection: May pay as much as $250 a week for two years if you can't work due to injuries sustained during a crash
Roadside assistance: Covers the cost of towing your bike to the nearest repair shop

Learn more about motorcycle insurance coverages.

Quick facts for riding in Kentucky

According to Kentucky motorcycle law, a person may operate a motorcycle without a helmet if they are over 21 and have held a motorcycle license for one year or more.
To obtain a Kentucky motorcycle license, applicants 18 or older must hold either a motor vehicle operator's license, motor vehicle instructional permit, or pass the motor vehicle operator's knowledge test in addition to the motorcycle knowledge and skill testing requirements.
Applicants 18 years or older can have the written and skills test waived if they pass a state-approved safety education course.