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Kentucky- Auto Insurance

Drivers in Kentucky are required by law to carry liability and no-fault personal injury insurance. Anyone who fails to comply with state standards runs the risk of strict penalties and loss of a driver’s license.


  • In regards to liability insurance, in Kentucky you must carry at least $10,000 for property damage, $25,000 for injury to a single person and $50,000 for injury to more than one person in an accident.
  • You also must carry no fault personal injury insurance, which must be at least $10,000 of coverage. The “no fault” concept means that your policy will pay up to the amount covered, no matter which driver caused the accident.


Kentucky Office of Insurance
215 West Main Street
Frankfort, KY 40601
Phone Toll Free: 1-800-595-6053

Kentucky (KY) Mandatory Auto Insurance Minimums:

  • Liability: 25/50/10 = Bodily Injury Individual/Bodily Injury Total Per Accident/Property Damage
  • Other Mandatory Insurance: Personal Injury Protection — No Fault State
  • Regulations Regarding Proof of Insurance: Proof Required – When Obtaining Registration, If Involved In An Accident, If Stopped By Authorities When Driving
  • Penalties For Not Carrying Mandatory car insurance: Fine up to $1000 plus jail term of up to three months

Inside Kentucky- Auto Insurance