Full-coverage average sourced from
Insurify (2026-06). Minimum-coverage figure and the estimator adjustments are estimates — see
methodology.
The one thing that sets Kentucky apart
Choice no-fault; you can reject PIP in writing to lower cost.
Minimum vs. full coverage in Kentucky
What each coverage level costs on the Kentucky average — so you can see what "going minimum" really saves, and risks.
| Coverage level | Est. / year | Est. / month |
|---|
| Minimum | $780 | $65 |
| Liability Only | $1,270 | $106 |
| Full | $2,300 | $192 |
| Full Low Deductible | $2,810 | $234 |
Minimum coverage saves about $1,522/yr vs full — but caps protection at 25/50/25. One at-fault crash above those limits and the gap is yours.
Kentucky car insurance FAQ
- What's the minimum car insurance required in Kentucky?
- Kentucky's state minimum is 25/50/25 — $25k bodily injury per person, $50k per accident, $25k property damage. Minimum-only runs about $780/yr but leaves you exposed above those caps.
- How much is full coverage in Kentucky?
- Representative full coverage averages $2,302/yr (about $192/mo), ranking Kentucky #35 of 51 states for cost.
- Why is Kentucky car insurance priced the way it is?
- Choice no-fault; you can reject PIP in writing to lower cost.