Best car insurance in Kentucky for 2025

When you look at Kentucky’s car insurance laws, you’ll see that drivers in the state, like in most others, are required to have minimum coverage. Mandatory insurance in the state includes both bodily injury and property damage liability coverage. Kentucky is a no-fault state, though personal injury protection (PIP) can be declined. Even if you decline PIP for yourself, all policies will still include such coverage for other people riding in your vehicle.

Aside from the legal requirements by the state, you may need to maintain certain policy requirements if you have a loan or lease on your vehicle. In many cases, you will need to have a full coverage policy, which provides you with additional financial protection with comprehensive and collision coverage. Other policies you might want to consider include gap insurance, which can help cover the difference between the cash value of the vehicle and the amount still owed on the loan if the car gets totaled or stolen.

Each driver has unique car insurance needs that should be taken into consideration when shopping for a policy. For example, if you have a teen driver in your household, you might want to look for companies that offer lower average rates for teens as well as teen driver discounts. If you have a few accidents or tickets on your record, you might be considered a high-risk driver, and you might need to look for a company specifically geared toward your situation. Understanding your needs and shopping around could help you find the right company.

Every driver has different needs when it comes to finding the right insurance carrier, so the best car insurance company in Kentucky will depend on your specific circumstances. The best car insurance for you depends on various factors, making it unlikely that one option suits everyone. For example, if you have a DUI conviction, you might need a company with affordable policies tailored to your situation. Alternatively, if you have a teen driver on your policy, you might want to explore carriers that offer discounts for teens or good students. Take the time to compare quotes from different providers and consider your specific requirements to find the most suitable insurance for you.

The cheapest car insurance company in Kentucky for you may not be the cheapest for your neighbor, friend or even spouse. Proprietary models in insurance underwriting determine auto insurance rates, but they utilize personal variables such as driving record, credit history, marital status, age, ZIP code, vehicle model and more. To find the cheapest Kentucky car insurance for you, consider requesting free quotes from several contending carriers to see which offers you the best-estimated rates for the coverage you need. Remember, when looking for the cheapest rates, you can also consider what discounts are offered by each carrier on your list.

The average cost of car insurance in Kentucky is on par with national averages, and the state is not considered one of the most expensive states for insurance coverage. That said, your own rate is based on a number of factors, including your credit history, ZIP code and driving history, plus your car's age, make and model. You may, for example, pay a higher rate if you live in Lexington or one of the state's other larger cities, since city driving tends to result in a significantly higher number of accidents on crowded urban streets. 

Kentucky law requires drivers to carry 25/50/25 in liability coverage. This shorthand notation stands for the following:

• $25,000 in bodily injury liability per person per accident
• $50,000 in bodily injury liability total per accident
• $25,000 in property damage liability per accident

Alternatively, drivers can purchase a single-limit policy that covers $60,000 in damages and injuries. As a no-fault state, Kentucky drivers generally also need to have a minimum of $10,000 in personal injury protection (PIP) coverage, which pays for their own injuries and that of their passengers. Drivers can opt-out of this coverage, but must do so in writing.