Kentucky Auto Insurance Guide

Kentucky auto insurance laws require relatively minimal coverage. Drivers do not have to carry many coverages, and the minimum amounts on the required auto insurance coverage are small. Kentucky ranks 24th in the United States for average auto insurance premiums. Kentucky drivers pay $898 per year in average combined car insurance premiums. Read on for additional information on buying auto insurance in Kentucky.

Kentucky Car Insurance Regulations

In Kentucky, drivers must carry two types of coverage to comply with state auto insurance laws: liability coverage and personal injury protection (PIP). Relative to other states, Kentucky requires relatively few coverages. Kentucky is one of 12 no-fault states in the U.S., which means that the injured person's insurance company must pay his/her medical expenses regardless of who was at fault. The no-fault structure is designed to reduce the number of tort liability cases. Personal injury protection coverage will pay for the insured's medical bills, lost wages, funeral and burial costs, and rehabilitation services.

Mandatory Minimum Coverage in Kentucky

A summary of the required auto insurance coverage in Kentucky follows.

• Liability coverage:
  • $25,000 per person of bodily injury coverage
  • $50,000 per accident of bodily injury coverage
  • $10,000 per accident of property damage
• Personal injury protection (PIP)
  • $10,000

Motorcycle Coverage Requirements

The required auto insurance coverage in Kentucky also applies to motorcycle riders. To ride a motorcycle legally in Kentucky, riders must comply with state auto insurance laws and obtain a special riding permit. Riders can either submit to a written test and a skills test to obtain the license or complete a Kentucky Motorcycle Safety Education (MSE) course.

Kentucky Auto Insurance Advice

Kentucky's minimum required coverages are unusually small, so policyholders are advised to purchase significantly more coverage than required by law. Most auto insurance companies recommend purchasing liability limits of $100,000/$300,000/$50,000 to protect your assets. Insurance experts also typically advise policyholders to purchase $100,000 in medical payments coverage, underinsured motorist bodily injury liability protection, and collision and comprehensive coverage for newer vehicles.