Kentucky is known as a “choice no-fault” state, which means that it is a drivers choice to protect themselves under the “tort” system or the “no-fault” system.  A “tort” system requires drivers to carry a minimum amount of liability insurance and the driver at fault’s insurance pays for damages.  A “no-fault” system means that individual drivers pay for damages no matter whose fault the accident was.   Under a “no-fault” system, drivers are also required to buy PIP, or personal injury protection, coverage as well.  If a driver chooses a “no-fault” system, they forfeit their right to sue for medical expenses and other damages.  Kentucky also requires that every driver provide liability and PIP coverage for passengers who are not family members.  Liability insurance is also required in Kentucky, even for people who choose the “no-fault” system.

Q: “What is the minimum amount of auto insurance coverage that I need in Kentucky?”

Kentucky’s minimum liability coverage is 25/50/10.  This means that the minimum amount of coverage for personal injury (per person) is covered up to $25,000, for all injured $50,000, and for any property damages $10,000.  These are minimum amounts required by law, not the recommended amounts.  Make sure you are properly covered!  Kentucky also requires minimum $10,000 coverage for PIP insurance.  This coverage will pay for any medical expenses, funeral expenses, or lost wages caused by the accident.

Compare Kentucky Car Insurance Rates Online

Kentucky has middle of the road prices for auto insurance.  Make sure you get a great deal and know what kind of coverage you want!  Autoinsurancebystate.com is an easy way to get multiple quotes from reputable companies.  You can apply online and get instant quotes! Its never been easier to compare auto insurance quotes online.

For More Information

Kentucky Office of Insurance
215 W. Main St.
Frankfort, KY 40601