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Insurance in Kentucky
Minimum auto liability required
| Bodily injury, per person | $25,000 |
| Bodily injury, per accident | $50,000 |
| Property damage | $25,000 |
| Personal injury protection (PIP) | $10,000 |
| Fault system | Choice no-fault |
Written as 25/50/25.
Worth knowing
- Kentucky is a choice no-fault state. Drivers may reject the no-fault limitation in writing to preserve full tort rights.
- Figures last reviewed September 2026. Confirm anything you rely on with the state insurance department.
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Complaint records for insurers, ranked by how often they are complained about relative to the policies they write.
State regulator
Kentucky Department of Insurance
Contact them to verify a licence or file a complaint.