Kentucky State Auto Insurance Requirements

Q: "What is the minimum amount of auto insurance I need in Kentucky?"

Kentucky state law requires Bodily Injury Liability limits of $25,000 minimum per injured person, and up to a total of $50,000 per accident, and Property Damage Liability coverage with a minimum of $10,000 in coverage. In addition to this required coverage, Kentucky is a choice No-Fault state. This means you can choose to use the No-Fault system where insurance companies must pay for damages up to a certain amount regardless of fault, or, you can use the standard tort method.

Kentucky Coverage: 25/50/10
Bodily Injury Liability: $25,000/$50,000 Limit
Property Damage Liability: $10,000 Limit

Although 25/50/10 is the minimum requirement for auto insurance in Kentucky, that may not be enough coverage to properly take care of damge, injury, or valuable assets. Finding the right amount of coverage is necessary to insure that you, your family and your assets will be covered in the case of damages from an automobile accident.