Here is some important information on auto insurance requirements and discounts in Kentucky. Did you know that each state has different car insurance coverage requirements, or that you could earn discounts for being a safe driver? Learn more about minimum requirements and available discounts in Kentucky.

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Types of auto insurance coverage in Kentucky

Here’s a rundown of the main types of auto coverage available in Kentucky:


  • Covers the cost of injury to others and damage to their property when you’re at fault
  • Required by law in nearly all states


  • Pays to repair or replace your own vehicle when you’re at fault
  • Covers collisions with other vehicles, objects, and animals


  • Covers damage to your car caused by things besides a collision
  • Includes hail, wind, theft, fire, vandalism, animal damage and more   

Uninsured / Underinsured Motorist

  • Covers your losses caused by an uninsured or underinsured driver
  • Helps pay for damage to your car and bodily injury to you and your passengers

Medical Payments

  • Helps with the cost of medical care for you and your passengers resulting from injuries in an accident
  • Provides this coverage no matter who’s at fault

Personal Injury Protection (PIP)

  • Helps cover the cost of your rehabilitation and lost wages resulting from an accident
  • Covers you no matter who’s at fault

Kentucky auto insurance minimum coverage requirements

Below are the required auto coverage amounts in Kentucky. Keep in mind that these are state minimums, not the actual amounts you may want. Your local Farmers agent can help as you select the coverage you want for your needs.


Bodily injury


$25,000 per person; $50,000 per accident


Property damage


$10,000 per accident


Personal injury protection


$10,000 per accident


Uninsured motorist bodily injury


$25,000 per person; $50,000 per accident

Kentucky auto insurance discounts

Farmers offers a variety of discounts for our car insurance customers based in Kentucky. For example:

Youthful driver

See a list of potential auto insurance discounts. Not all listed discounts are available in Kentucky. 

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Signal by Farmers®

Earn rewards for safe driving with Signal, the mobile app that pays you in discounts.

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Signal by Farmers®

Earn rewards for safe driving with Signal, the mobile app that pays you in discounts.

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View more coverage options in Kentucky


Home insurance

Your home is an investment, and you want to protect it like that. Learn more about our Home insurance offerings to help you build the policy that works best for your life style.

View home coverage details for Kentucky

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