State guide
Insurance in Kentucky
Required coverage, penalties, official contacts and sources for Kentucky, reviewed 2026-10.
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Car insurance
What Kentucky requires.
Liability 25/50/25 plus $10,000 no-fault (basic reparation) benefits. Claims system: choice no-fault.
| Coverage | Requirement in Kentucky |
|---|---|
| Bodily injury liability | $25,000 per person / $50,000 per accident, or a single limit of $60,000 for all damages |
| Property damage liability | $25,000 per accident (or inside the $60,000 single limit) |
| Injury protection | Basic reparation benefits (no-fault): $10,000 maximum per person |
| Uninsured / underinsured motorist | Not listed as required |
Required coverage
- Split limits: at least $25,000 for bodily injury to one person, $50,000 for bodily injury to all persons in one accident, and $25,000 for property damage
- Or a single limit of at least $60,000 for all damages, whether from bodily injury or property damage
- Basic reparation benefits (BRB, Kentucky's no-fault coverage), at $10,000 maximum per person
Other coverage commonly available
- Collision
- Comprehensive
- Uninsured/underinsured motorist
- Higher liability limits
If you drive without required coverage
Penalties for operating a vehicle without required security are set by Kentucky law. Confirm current penalties with the Kentucky Transportation Cabinet.
Notices
What to know in Kentucky.
- Kentucky's Motor Vehicle Reparations Act (KRS 304.39) sets the required minimum security. The statute lists the required tort liability coverage and basic reparation benefits together.
- The Department of Insurance states that the minimum basic reparation benefits that must be provided are $10,000, and an insurer cannot dilute those minimum limits.
- A person has a right to basic reparation benefits unless they have rejected the limitation on their tort rights. The rejection is made by filing a form with the Department of Insurance.
General information only. It is not legal advice. Rules change, so confirm with the official sources listed below.
Home insurance
Start with the Kentucky Department of Insurance
- Standard homeowners policies typically exclude flood. Flood coverage is bought separately, including through the National Flood Insurance Program.
- The Department of Insurance is the state authority for questions about insurers, agents and complaints.
Health insurance
kynect
kynect (state-based marketplace)
- KFF's 2026 table lists Kentucky as a state-based marketplace (kynect). State marketplaces can set their own enrollment dates, so confirm them on the marketplace site.
Contacts
Who to contact.
- Kentucky Department of Insurance
- Website: insurance.ky.gov
- NAIC directory of state insurance departments
Sources
Where this summary comes from.
Reviewed 2026-10. Check each source for the current rule.
- Kentucky Revised Statutes 304.39-110: Required minimum tort liability insurance
- Kentucky Department of Insurance: Advisory opinion on basic reparation benefits (PDF)
- HealthInsurance.org: What type of health insurance exchange does my state have? (2026 plan year)
- KFF: State health insurance marketplace types (2026)
Keep going.
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