Kentucky Auto Insurance (KY)

All motor vehicles in Kentucky must have liability insurance and basic no-fault personal injury insurance.

Proof of insurance must always be kept inside a vehicle, and must be shown to a peace office upon request. Motor vehicle liability insurance policies must offer at least $25,000/$50,000 limits for bodily injuries and $10,000 for property damage (outlined in chart below).

No-fault coverage pays up to $10,000 for expenses such as lost wages, medical expenses, and replacement services in the case of injury due to an accident regardless of fault. Under no-fault personal injury insurance, the right to sue is limited in case of minor injury. However, these limitations can be rejected by special request in writing to the Kentucky Department of Insurance.

Another option to no-fault liability is a "split limit" policy which is a single limit agreement. This offers a limited liability of at least $60,000, and provides a minimum of $10,000 in no-fault personal-injury coverage.

Kentucky motor vehicle operators may add to their protection by purchasing one or more of the following add-ons: collision, comprehensive, medical payments, or uninsured and underinsured motorist coverage.

You may want to consider purchasing limits of coverage higher than those required by law to protect your assets or property, as you may be personally responsible for any damages above the policy limits.

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Auto Insurance for Leased Vehicles In Kentucky (KY)

Most leasing companies in Kentucky typically require drivers to maintain insurance coverage which exceeds the minimums set by Kentucky state law. This is to protect you financially, as well as your leasing company, should they be held partly responsible. Most leasing companies will recommend the following amounts of insurance coverage:

• Bodily injury liability coverage: $100,000 per person/$300,000 per accident
• Property damage liability coverage: $50,000
• Comprehensive and collision coverage: $500 maximum deductible

Read about special considerations for drivers in:

• Lexington
• Louisville

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Contacts for Auto Insurance Information In Kentucky

**Auto Insurance Finder is not an insurance broker or carrier. Content on this site is for comparison and informational purposes only. The products and services listed on this site may not be available in all states.

Last Updated: August 19, 2010