Kentucky Car Insurance Quotes

The Commonwealth of Kentucky was carved out of Virginia and added to the Union on June 1, 1792. The “Bluegrass State” has rich fertile soil, which is particularly popular with its race horses. Kentucky is a no-fault insurance state, requiring all drivers to purchase the minimum for personal liability and property damage.

Kentucky Motto: “United We Stand, Divided We Fall”

The Kentucky muzzleloading long rifle (actually made in Pennsylvania) was part of the rugged wilderness image of the American frontiersman. The Commonwealth of Kentucky has established itself as a mixture of white collar and blue collar. The horse breeders live in the north-central part of the state (Inner Bluegrass and Outer Bluegrass) with the coal miners living in the Western Coal Fields.

Since 1875, the top horses in the world have been competing at the Kentucky Derby. The “Louisville Slugger” is a famous baseball bat. Abraham Lincoln was born in Hodgenville, Kentucky. If you choose to drive on the longest road – Kentucky Route 80 spans 464 miles (747 kilometers) – then make sure you have the proper insurance coverage.

Minimum Kentucky Insurance Coverage

The Commonwealth of Kentucky Transportation Cabinet will send notices to drivers that their registration will be canceled if they do not carry the required insurance. Here are the Kentucky required car insurance minimums:

  • $25,000 for bodily injury or death of one person
  • $50,000 for bodily injury or death of two persons
  • $10,000 for property damage or destruction

Select Your County Below to Start the Insurance Quote Process:

Adair County
Allen County
Anderson County
Ballard County
Barren County
Bath County
Bell County
Boone County
Bourbon County
Boyd County
Boyle County
Bracken County
Breathitt County
Breckinridge County
Bullitt County
Butler County
Caldwell County
Calloway County
Campbell County
Carlisle County
Carroll County
Carter County
Casey County
Christian County
Clark County
Clay County
Clinton County
Crittenden County
Cumberland County
Daviess County
Edmonson County
Elliott County
Estill County
Fayette County
Fleming County
Floyd County
Franklin County
Fulton County
Gallatin County
Garrard County
Grant County
Graves County
Grayson County
Green County
Greenup County
Hancock County
Hardin County
Harlan County
Harrison County
Hart County
Henderson County
Henry County
Hickman County
Hopkins County
Jackson County
Jefferson County
Jessamine County
Johnson County
Kenton County
Knott County
Knox County
LaRue County
Laurel County
Lawrence County
Lee County
Leslie County
Letcher County
Lewis County
Lincoln County
Livingston County
Logan County
Lyon County
McCracken County
McCreary County
McLean County
Madison County
Magoffin County
Marion County
Marshall County
Martin County
Mason County
Meade County
Menifee County
Mercer County
Metcalfe County
Monroe County
Montgomery County
Morgan County
Muhlenberg County
Nelson County
Nicholas County
Ohio County
Oldham County
Owen County
Owsley County
Pendleton County
Perry County
Pike County
Powell County
Pulaski County
Robertson County
Rockcastle County
Rowan County
Russell County
Scott County
Shelby County
Simpson County
Spencer County
Taylor County
Todd County
Trigg County
Trimble County
Union County
Warren County
Washington County
Wayne County
Webster County
Whitley County
Wolfe County
Woodford County

Penalties for Non-Compliance

The “Kentucky Revised Statutes (KRS) 304.99-060 — Penalties for Violation of Subtitle 39” list fines, jail time and license suspension for not having insurance. The first violation could lead to a fine of between $500 and $1,000, jail time of not more than 90 days and/or license suspension of one year. Subsequent violations (within a five year period) could lead to fines of between $1,000 and $2,500, jail time of 180 days and/or license suspension of one to two years.

Kentucky Is No-Fault State

Kentucky is a no-fault insurance state allowing you to file a claim with your own insurance company rather than wait for the completion of a long trial. This ensures that you can pay your medical bills quickly. Later, your insurance company can sue the guilty party. Kentucky uninsured motorists rank 12th worst in the nation.

Kentucky Bluegrass

Enjoy the Kentucky bluegrass and Abraham Lincoln’s home, but make sure that you have the required minimums for insurance. It is easy to fill out the form above for a free quote.