Car insurance · Kentucky
Car insurance requirements in Kentucky
Liability 25/50/25 plus $10,000 no-fault (basic reparation) benefits. Claims system: choice no-fault.
Verified summaryAll Kentucky insurance topics
Requirements
Minimum car insurance requirements in Kentucky
| 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 |
What the law requires you to carry
- 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
Uninsured drivers
Uninsured motorist coverage in Kentucky
Not listed as required.
Optional coverage
Coverage you can add in Kentucky
- Collision
- Comprehensive
- Uninsured/underinsured motorist
- Higher liability limits
Penalties
Penalties for driving without insurance in Kentucky
Penalties for operating a vehicle without required security are set by Kentucky law. Confirm current penalties with the Kentucky Transportation Cabinet.
Good to know
Other things 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.
Contacts
Who to contact in Kentucky
- 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.
Keep reading
Guides that explain these coverages
- Minimum car insurance requirements by state
- Which States Require Uninsured Motorist Coverage?
- No-Fault vs. At-Fault Car Insurance: Which States Use Which
- States That Raised Minimum Car Insurance Limits Since 2018
- Liability coverage explained
- Collision vs. comprehensive coverage
- What affects your car insurance rate
- After an accident: what to do and what to expect
More about Kentucky.
Home insurance resources and the health marketplace for Kentucky are on its overview page.