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Kentucky Car Insurance

Kentucky Car Insurance

The owner or operator of a vehicle must have minimum liability coverage:
- $25,000 per person for Bodily Injury;
- $50,000 per accident for Bodily Injury;
- $10,000 per accident for Property Damage;

Insurance required:
- Bodily injury liability;
- Property damage liability;
- Personal Injury Protection;

Proof of insurance required:
- At registration (YES)
- At time of accident (YES)
- At all times in vehicle (YES)

(I.I.I.) recommends you carry $100,000 of bodily injury protection per person and $300,000 per accident.


Enter Your Zip Code to Find Insurance Quotes in Kentucky:

Kentucky Department of Insurance

  • 215 W. Main St.
  • Frankfort, Kentucky 40601
  • Phone: (800) 595-6053
  • doi.ppr.ky.gov/kentucky/

Kentucky Department of Transportation

  • 200 Mero St.
  • Frankfort, KY 40622
  • Phone: (502) 564-6800
  • transportation.ky.gov
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