Kentucky's minimum car insurance requirements include bodily injury liability of $25,000 per person and $50,000 per accident, alongside property damage liability of $25,000 per accident. Plus, Kentucky’s personal injury protection (PIP) coverage requirement is set at $10,000. Kentucky operates under a no-fault insurance system, meaning your insurance company will pay for your injury claims up to a specified limit, regardless of who caused the accident.
The average monthly cost for state minimum coverage auto insurance in Kentucky is around $41. Opting for more than the minimum car insurance requirements can provide additional financial protection. To find the cheapest car insurance in Kentucky, compare quotes and insurers to fit your coverage needs.