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kentucky car insurance that’s right for you, not someone sorta like you

We know you appreciate your horses, Kentucky residents, but we also know they're not the most convenient commuter vehicles (how are you going to park that thing?). For your main ride, Esurance offers affordable car insurance rates, seamless online policy management, and and 24/7 customer service — and that's no dog and pony show.

When you get a Kentucky car insurance quote online, you'll see how we try to make car insurance more transparent and easy to understand. CoverageMyWay™, only from Esurance, uses the information you provide to personalize your auto coverage options.

kentucky car insurance discounts from esurance

Let's start things off right with our wide array of auto discounts for Kentucky drivers. Here's a sampling:

  • Anti-Theft discount
  • Defensive Driver discount
  • Fast 5® discount
  • Good Student discount
  • DriveSense™ discount
  • Homeowners discount
  • Multi-Car discount
  • Paid-in-Full discount
  • Switch & Save® discount
  • Multi-Policy 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).

required auto insurance coverages in kentucky

Residents of the Bluegrass State are required to carry the following minimum liability coverage limits:

  • $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 purchase your policy with at least $10,000 in Personal injury protection (PIP) coverage. This pays for post-accident medical expenses (and more) 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 coverage for any passengers. Guest PIP comes with a $0 deductible.

optional car insurance coverages

Adding some of these optional coverages gives you extra peace of mind and financial protection if you ever need to file a claim:

  • Comprehensive coverage
  • Collision coverage
  • Personal injury protection (PIP) coverage
  • Uninsured motorist bodily injury coverage
  • Underinsured motorist bodily injury coverage
  • Towing and labor coverage
  • Medical payments coverage
  • CarMatch Rental Coverage®
  • Customized parts and equipment coverage
  • Auto loan/lease coverage
  • Additional personal injury protection (offers higher limits than standard PIP)
  • Guest personal injury protection (a PIP option that covers only guests in your car)

factors that could impact your kentucky car insurance rates

Insurers in Kentucky (including Esurance) can take the follow factors into consideration when determining your car insurance premium:

  • Driving record and claims history
  • Insurance history, including lapses
  • Marital status, age, and gender
  • ZIP Code where the car is parked or garaged
  • Credit-based insurance score
  • Coverages, limits, and deductibles you choose

uninsured drivers in kentucky

Eighteen percent of Kentucky drivers were uninsured in 2009 according to a 2011 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’s rules on electronic proof of insurance

Drivers in the Bluegrass State can pull up their auto insurance ID cards on their phones, tablets, or other smart devices as legitimate proof of coverage under state law.

Plus, when you're insured with Esurance in Kentucky, you can pull up your policy documents (and even save them to your phone so they're available offline) with our convenient mobile app.

esurance-approved car repair shops

Esurance customers who take their cars to an approved facility can take advantage of RepairView® and guaranteed repairs.

Find a repair shop near you.

Related links

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.

Wonder if you could be saving on car insurance?

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or call 1-800-378-7262