Types of auto insurance coverage in Kentucky
Here’s a rundown of the main types of auto coverage available in Kentucky:
Liability
- Covers the cost of injury to others and damage to their property when you’re at fault
- Required by law in nearly all states
Collision
- Pays to repair or replace your own vehicle when you’re at fault
- Covers collisions with other vehicles, objects, and animals
Comprehensive
- 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.
COVERAGE TYPE
KENTUCKY REQUIREMENTS
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
COVERAGE TYPE
Bodily injury
KENTUCKY REQUIREMENTS
$25,000 per person; $50,000 per accident
COVERAGE TYPE
Property damage
KENTUCKY REQUIREMENTS
$10,000 per accident
COVERAGE TYPE
Personal injury protection
KENTUCKY REQUIREMENTS
$10,000 per accident
COVERAGE TYPE
Uninsured motorist bodily injury
KENTUCKY REQUIREMENTS
$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:
Multi-vehicle
Youthful driver
Multi-policy
See a list of potential auto insurance discounts. Not all listed discounts are available in Kentucky.
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