Kentucky Auto Insurance

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 Auto Insurance Specialist you should go to!

Required Kentucky Auto Insurance

Car insurance is a mandatory purchase in Kentucky. According to the Insurance Research Council, there is an estimated 18% of drivers in Kentucky that are not insured; that’s about 1 in 5 drivers on the road. Without insurance, you are liable to pay out-of-pocket for any damages that you cause with your car. That is why Kentucky requires you to have a minimum of Bodily Injury Liability coverage and Property Damage Liability Insurance to help with financial costs associated with an accident.

State Minimum Liability Coverage in Kentucky

The minimum of liability coverage on your auto insurance policy allows you to legally drive on the roads of Kentucky. Your Auto Insurance must have liability coverage with these minimum amounts:

  • BI or Bodily Injury: $25,000 per person; $50,000 for 2 people or more in an accident
  • PD or Property Damage: $10,000 per accident

Personal Injury Protection

Kentucky mandates that all auto insurance policies include PIP coverage. This coverage will pay for your own or your passenger’s injuries. No matter who was at fault in the accident, this coverage helps with accident related injuries.

  • Personal Injury Protection: $10,000 per person, per accident

When you purchase PIP insurance, it limits your right to sue or be sued. Someone who was injured in the accident cannot sue the other party for recovery of the following damages:

  • Medical Expenses
  • Loss of Wages
  • Pain and Suffering
  • Other related costs

Optional Coverage in Kentucky to Consider

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

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 2013, as reported by

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

Kentucky Auto Insurance Discounts

Car Insurance companies usually offer some discounts to drivers. 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 auto insurance will keep your road trips fun. For those that don’t want to spend days looking for the best rates and coverage amongst hundreds of carriers, AIS is here to help. We do the work for you and find you the best rates and coverage from our many company partners. The helpful, experienced professionals at AIS 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 Insurance Quote Today: (888) 772-4247

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