Start a free Kentucky car insurance quote online with GEICO. Whether you live in Louisville, Lexington, Bowling Green, or anywhere across the Bluegrass State, we make it simple to find personalized and affordable car insurance coverage for your vehicle. Every driver in Kentucky needs a reliable auto insurance policy, and GEICO makes it easy to compare options and get the right coverage for your needs. See how quick and straightforward it is to start your Kentucky car insurance quote today!
On June 1, 2012, Kentucky began a statewide enforcement program which compares the Vehicle Identification Number (VIN) reported by insurance companies against the state's vehicle registration database. If these do not match, the state sends an "Uninsured Motorist Notice" that asks the vehicle owner to verify insurance coverage. The owner has 30 days to prove there has not been a lapse of coverage or to present proof of current insurance.
The required minimum coverages and limits to register and operate a vehicle in Kentucky are:
| Coverage Type | Minimum Required Limit |
|---|---|
| Bodily Injury Liability | $25,000 per person and $50,000 per accident |
| Property Damage Liability | $25,000 per accident |
| Personal Injury Protection (PIP)* | $10,000 per person (Note: A limited PIP option must be carried if basic PIP is waived.) |
These limits represent the minimum legal requirements. Many Kentucky drivers opt for higher limits or additional protections to get more coverage. GEICO can help you find the right balance between meeting state laws and protecting your financial well-being.
Liability coverage is required by Kentucky law and helps pay for injuries or property damage you cause to others in an at-fault accident. It includes both bodily injury and property damage components, providing important financial protection. Increased limits of coverage are available to help you protect your assets in the event you are at fault in an accident.
Kentucky is a “choice no-fault” state, meaning that while all drivers are automatically enrolled in the no-fault system and must carry Personal Injury Protection (PIP) coverage, they also have the option to opt out of carrying the basic.
PIP coverage. In this context, “no-fault” means that after a car accident, each person’s own insurance is responsible for covering their medical expenses and certain related costs—regardless of who caused the crash. To opt out of the basic PIP coverage, the driver must file a no-fault rejection form with the Kentucky Department of Insurance. By signing this form, drivers are waiving the limitation on their right to sue or be sued in an accident unless certain thresholds are met.
The minimum PIP coverage required in Kentucky is $10,000.
PIP can help cover:
It’s important to keep in mind that the no-fault system applies only to personal injuries; property damage claims are still handled under the traditional at-fault system.
Collision coverage helps pay for repairs to your vehicle if it’s damaged in a crash, regardless of who is at fault. Comprehensive coverage steps in when your car is damaged by events like theft, vandalism, fire, or hail.
Uninsured Motorist (UM) and Underinsured Motorist (UIM) coverages help with medical bills if you’re involved in an accident with a driver who lacks sufficient insurance. However, there’s an important distinction between the two. UM coverage safeguards you if you’re hit by someone who has no insurance at all. Kentucky requires that UM be offered by insurers, but drivers may decline this coverage in writing if they wish. One the other hand, UIM is optional and offers protection when the at-fault driver’s insurance coverage isn’t enough to fully cover your medical bills.
The best way to reduce your car insurance costs without sacrificing essential coverage is by taking advantage of available discounts. GEICO understands this better than most, offering a wide range of savings opportunities that make it easy for nearly any policyholder to lower their rate.
Key discounts available through GEICO include:
To obtain a Kentucky driver's license:
The first phase of Kentucky's graduated license program is the permit; 15 is the minimum age to apply. Applicants under 18 must have a parent signature and submit a School Compliance Verification Form. Upon passing the written and vision test, permit holders must be accompanied in the front passenger seat by a licensed driver age 21 or older. They cannot have more than one non-relative under age 20 in the vehicle, and they cannot drive between midnight and 6:00 AM. Drivers must hold the permit for at least 180 days (if under 21 years old) or 30 days (if over 21 years old). Permit holders under 18 must complete a minimum of 60 hours of practice driving, with at least 10 of these hours at night.
Phase two in the licensing process is the intermediate license. Applicants must be 16 or older and pass a road skills test. If under 18, intermediate license holders cannot have more than one non-relative under age 20 in the vehicle and may not drive between midnight and 6:00 AM. They must hold the license for 180 days and complete a state-approved driver education program before being eligible to apply for a full unrestricted license.
The full unrestricted license is the last phase in Kentucky's graduated licensing program. A person must be at least age 17 to apply for a full unrestricted license. It does not have any time or passenger restrictions; however, drivers under 21 will be issued an "Under 21" license. All drivers in Kentucky under 21 are subject to "Zero Alcohol Tolerance" (defined as .02 Blood Alcohol Concentration).