Minimum Car Insurance in Kentucky

All Kentucky vehicle owners must carry liability coverage of at least $25,000 for bodily injury to any one person, $50,000 for all bodily injury in one accident, and $25,000 for property damage in one accident (25/50/25); a policy with a single limit of $60,000 is also acceptable. Policies must also include basic reparation benefits (personal injury protection, PIP) of up to $10,000 per person per accident, except for motorcycles. Uninsured motorist coverage at the minimum bodily injury limits must be included unless the named insured rejects it in writing. Self-insured owners show documents from the Department of Insurance instead of a policy.

Kentucky is a no-fault (choice) state. Basic personal injury protection (PIP) is required on all vehicles except motorcycles and pays up to $10,000 per person per accident for medical expenses, lost wages and similar costs regardless of fault. Unless a person has rejected the tort limitations, an injured person cannot recover medical expenses, wage loss, other expenses or pain and suffering from an at-fault party unless the injury meets a threshold: $1,000 in medical expenses, a broken bone, permanent disfigurement, permanent injury, or death. A driver may reject the tort limitations by filing a special written form with the Department of Insurance; the rejection stays in effect until the Department is notified in writing of a change, and if everyone in a household rejects, guest PIP must remain on the policy. An owner without insurance cannot collect basic PIP from any source.

Every auto liability policy for a vehicle registered or principally garaged in Kentucky must include uninsured motorist coverage at the minimum bodily injury limits ($25,000/$50,000), but any named insured may reject it in writing; the rejection applies to all insureds, and the coverage need not be added to a renewal or replacement policy from the same insurer unless a named insured requests it in writing. An uninsured vehicle includes one whose insurer is insolvent or whose liability limits are below the state minimums. Underinsured motorist coverage must be made available on request; no minimum limit is required.