kentucky car insurance
Whether you're in the market for a new Kentucky car insurance policy or you're curious about the coverages and discounts available through Esurance, you're in the right place.
Kentucky car insurance: minimum requirements
- $25,000 bodily injury liability coverage per person
- $50,000 bodily injury liability coverage per incident
- $10,000 property damage liability coverage per incident
Since Kentucky is a no-fault state, you're also required to carry at least $10,000 in personal injury protection (PIP) coverage. This pays for post-accident medical expenses for drivers on your policy and any passengers, regardless of who caused the accident.
You do have the right to decline no-fault coverage. If you decide to go this route, your insurer will submit a form on your behalf with the Kentucky Department of Insurance.
How no-fault coverage works
Your policy's PIP coverage can help cover medical-related expenses (including lost wages) after an accident, regardless of fault.
Additionally, each driver on your policy has the right to accept or decline no-fault coverage, and you can choose the deductible you'd like to pay (between $0 and $1,000 per incident). The state-required minimum limit is $10,000, but you can add additional PIP to your policy if you prefer more coverage.
If you choose to have no-fault coverage on your policy, you're also choosing a limited right to sue the at-fault driver for medical expenses. You can still sue if medical expenses exceed $1,000, or if the accident resulted in death, permanent injury, or disfigurement.
If you and the other drivers on your policy decline PIP, you'll need to have guest PIP to cover any passengers. Guest PIP comes with a $0 deductible.
Uninsured drivers in Kentucky
Eighteen percent of Kentucky drivers were uninsured according to a recent report from the Insurance Research Council. That was higher than the national average of 13.8 percent.
Drivers convicted of driving uninsured face a fine of up to $1,000 and a possible 90 days in jail.
To protect yourself from uninsured drivers, consider adding uninsured motorist liability coverage to your policy.
Kentucky car insurance regulations
The following can affect your car insurance premium in Kentucky:
- Past driving record
- Marital status
- ZIP Code
- Credit score
- Policy lapses and past insurance history
Kentucky state tax on a car insurance policy
This statewide tax is 1.8 percent of the total premium.
Kentucky local government premium tax
This tax varies from one jurisdiction to another and can be as high as 15 percent of your base premium.
Esurance in Kentucky
Since May 18, 2007, Esurance has offered car insurance to the fine folks of the Bluegrass State.
Optional car insurance coverages in Kentucky
- Personal injury protection (see "how no-fault coverage works" above)
- Comprehensive coverage
- Collision coverage
- Uninsured motorist bodily injury coverage
- Underinsured motorist bodily injury coverage
- Emergency road service
- Medical payments coverage
- CarMatch Rental Coverage®
- Customized parts and equipment coverage
- Loan/lease gap coverage
- Additional personal injury protection (offers higher limits than standard PIP)
- Guest personal injury protection (a PIP option that covers only guests in your insured car)
If you have an Esurance policy and have questions regarding your coverages, we're here with answers at 1-800-ESURANCE (1-800-378-7262). Some exclusions may apply.
Esurance discounts offered in Kentucky
Become an Esurance customer today and you could qualify for the following discounts:
- Anti-Theft discount
- Defensive Driver discount
- Fast 5® discount (for starting a quote online)
- Good Student discount
- Homeowners discount
- Multi-Car discount
- Paid-in-Full discount
- Switch & Save® discount
Discounts may vary. If you're already an Esurance customer and have any questions about your discounts, give us a call at 1-800-ESURANCE (1-800-378-7262).
Esurance-approved car repair shops in Kentucky
Esurance customers who take their cars to an approved facility can take advantage of RepairView® and guaranteed repairs.
Find a repair shop near you.
Get key info on laws and stats that matter to motorists in your area.
Kentucky Transportation Cabinet
Head here for official answers to your Kentucky driving questions.
Esurance Coverage Counselor®
Kentucky car insurance can be a bit complex. Our online counselor can give you a personalized policy recommendation in just a few minutes.