Kentucky Car Insurance Resources

Jerry has compiled everything you need to know about auto insurance in Kentucky.
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Kentucky Car Insurance Resources
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Kentucky minimum car insurance requirements

Kentucky requires drivers to carry these minimum levels of coverage on their auto insurance policy:

  • $25,000 in bodily injury liability per person.
  • $50,000 in bodily injury liability per accident.
  • $25,000 in property damage liability per accident.
  • $10,000 in personal injury protection, or PIP. Drivers may waive this coverage, but must reject it in writing.

If you have a loan or lease on your vehicle, the lender will require full coverage. You may also need gap insurance, which can help you pay off your loan if your car is totaled.

If you’re looking at car insurance quotes, you should factor in if you will want cheap car insurance or need increased coverage amounts on your policy. By getting multiple quotes from different insurers, you’ll be able to better see the average cost of car insurance for your desired coverage levels.

Recent car insurance quotes in Kentucky

Monthly Quote
Insurance Company
Date of Policy
City
$34 Progressive June 14, 2025 Georgetown
$41 Progressive June 17, 2025 Louisville
$48 Progressive June 18, 2025 Louisville
$53 Progressive June 11, 2025 Cannon
$56 Progressive June 27, 2025 Paducah
Last Updated Jul 10, 2025

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Enter your ZIP code to see what Jerry customers have been quoted for full coverage, on average.

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Methodology

Jerry's editorial team analyzed Jerry customer quotes to find the median full coverage quote, by ZIP code. We looked at customers driving popular vehicles, including the Ford-150, Honda Accord, Nissan Altima, RAM 1500, Toyota Camry and Toyota RAV4 . We also used the following base driver profile:

  • 35-45 years old.
  • Clean driving record.
  • $50,000 in bodily injury liability, per person.
  • $100,000 in bodily injury liability, per accident.
  • $1,000 deductible for comprehensive and collision insurance.
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Annie Millerbernd, Jun 24, 2025