The Bluegrass State

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Kentucky Auto Insurance

Kentucky has more miles of running water in any other state, except Alaska. It also has tons of beautiful natural landscapes that are worth driving hundreds of miles to explore. That means hours on the road and many opportunities for the unexpected to happen. That is why Auto Insurance is a mandatory purchase in Kentucky and why AIS is the first place you should go to find an affordable rate!

Required Auto Insurance in Kentucky

Car Insurance is a mandatory purchase in Kentucky. According to the Insurance Research Council, there are about 1 in 5 drivers on the road that do not have adequate Auto Insurance. Without insurance, you are liable to pay out-of-pocket for any damages that you cause with your car. That is why Kentucky legally requires you to have a minimum of Bodily Injury Liability coverage and Property Damage Liability Insurance to help with financial costs incurred from an auto accident. Without PIP coverage you will have to pay for your own and your passenger’s injuries in the case of an accident, regardless of who is at fault.

State Minimum Liability Coverage in Kentucky

  • BI or Bodily Injury: $25,000 per person, $50,000 per accident
  • PD or Property Damage: $25,000 per accident

State Minimum Personal Injury Protection (PIP) in Kentucky

  • Personal Injury Protection: $10,000 per accident

To learn more about specific Auto Insurance coverage, visit our 
Car Insurance Coverage page.

Optional Coverage in Kentucky

Even with the minimum coverages required by Kentucky, you may still not have enough coverage in an accident or for other incidents that cause car-related damages or injuries. The following coverages are optional and worth considering when buying an Auto Insurance policy in Kentucky:

  • Collision Coverage*: This gives you financial protection when your car becomes damaged by a collision with another vehicle or object.
  • Comprehensive Coverage*: This covers you when your car is damaged by something other than a collision. These covered causes may include fire, vandalism, theft or flooding.
  • Uninsured/Underinsured Motorist Coverage: If you are involved in an accident with an underinsured or uninsured motorist, this coverage will pay for injuries to you or your passengers. It will also provide coverage if you are a victim of a hit-and-run accident.

*Although Collision coverage and Comprehensive coverage are not required by law, they may be required in your car loan or lease contract with the lender.

You are under no obligation to purchase any of these optional Auto Insurance policies. But if you think that they may be right for you, feel free to call us at Auto Insurance Specialists to see about getting some additional coverage.


Most Stolen Car Models in Kentucky

If you own a car that is highly targeted for theft, there may be a possibility that you will have to pay a higher premium for Car Insurance. Below is a list of the most stolen cars in Kentucky for the year 2017, as reported by

  1. Ford Pickup (Full Size)
  2. Chevrolet Pickup (Full Size)
  3. Toyota Camry
  4. Chevrolet Impala
  5. Dodge Pickup (Full Size)
  6. Honda Accord
  7. Nissan Altima
  8. Toyota Corolla
  9. Ford Pickup (Small Size)
  10. Chevrolet Pickup (Small Size)

Kentucky Auto Insurance Discounts

Car Insurance companies usually offer some discounts to drivers. If you qualify, these discounts can be a source of great savings on your Auto Insurance premium. Be sure to speak with an AIS agent today about what discounts you may qualify for.

These are a few of the discounts you can qualify for in Kentucky:

  • Good Driver
  • Good Student
  • Multiple Policies
  • Low Mileage
  • Anti-Theft Device

To learn more about specific discounts, visit our Discounts page.

People choose to live in Kentucky because of the friendly personalities and beautiful scenery. There are tons of places to explore, but all usually involve some distance of driving. Keeping yourself protected financially and legally with the required Kentucky Auto Insurance will keep your road trips fun. For those that don’t want to spend hours on end looking for the best rates and coverage amongst hundreds of carriers, AIS is here to help. We do the work for you to find the best rates and coverage from our many insurance partners. The helpful, experienced professionals at Auto Insurance Specialists can be an instrumental asset to Kentucky drivers. For information and a free quote on a Kentucky Auto Insurance policy, call AIS today!

Start a Kentucky Auto Insurance Quote Today: (888) 772-4247 Get Online Quote

About Kentucky

Mammoth Cave is the world's longest cave and is the 2nd oldest tourist attraction in the United States.

Chevrolet Corvettes are manufactured in Bowling Green, Kentucky. 

Notable Kentucky Attractions

Cumberland Gap National Historic Park

The Kentucky Derby

Louisville Mega Cavern

Mammoth Cave National Park