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Or call 1-800-378-7262.

Bundle your Kentucky auto insurance with home insurance and save up to 10 percent with our Multi-Policy discount.*

affordable car insurance in kentucky

Day trips in Kentucky can take you zip-lining underground at Louisville's Mega Cavern, watching horse racing at Keeneland Racecourse, or riding a chair lift to Natural Bridge to see sweeping views of the national forest. For these down-home adventures, you need a reliable car and reliable Kentucky auto insurance.

From Lexington to Pikeville to Grand Rivers, Esurance helps you choose the most affordable car insurance. Compare rates online for all policies — including "full coverage" (comprehensive and collision coverages) and liability insurance — and find a plan that works to protect you and your vehicle during all your Bluegrass State adventures.

what our customers say

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I've been an Esurance customer for over 10 years now and everything about you guys is convenient and accessible. Even when we moved to another state, the switch over couldn't have been easier.

— Paul, Florida

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Esurance was quick, reliable, and easy to communicate with! I'm glad I switched to you guys! You saved me money and I don't plan on going anywhere!

— Maudryanna, North Carolina

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The woman who handled my claim was excellent. I made one phone call, sent one email, and three days later I had a check and a resolution to my problem. Keep up the good work.

— Aaron, Virginia

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
  • Homeowners discount
  • Multi-Car discount
  • Paid-in-Full discount
  • Switch & Save® discount
  • Multi-Policy discount
  • DriveSense™ 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 insurance limits:

  • $25,000 bodily injury liability coverage per person
  • $50,000 bodily injury liability coverage per incident
  • $25,000 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 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 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
  • Collision
  • Uninsured motorist bodily injury
  • Underinsured motorist bodily injury
  • Uninsured motorist property damage
  • Medical payments
  • Towing and labor
  • CarMatch Rental Coverage®
  • Customized parts and equipment
  • Auto loan/lease (or "gap")
  • Personal injury protection (PIP)
  • 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) may take the following 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

About 11.5 percent of Kentucky drivers were uninsured in 2015 according to the Insurance Research Council. That was lower than the national average of 13 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.

teen motorists in kentucky

Kentucky also has strict laws for teen drivers. According to the Kentucky Transport Cabinet, teens account for a small fraction of the state's drivers but are involved in more than 20 percent of highway accidents in the state. So the state has implemented a Graduated Driver Licensing (GDL) program, which introduces young drivers to the responsibilities of the road through a series of steps with special restrictions.

Protect your young drivers with comprehensive car insurance. Esurance provides affordable Kentucky auto insurance quotes with dozens of discounts and customizable plans for the whole family. For more information about teen driving and auto insurance laws, visit the Kentucky DMV.

Related links

Digital proof of insurance

You can use digital car insurance ID cards on your smartphone as legitimate proof of insurance (in most states).

PIP coverage

Learn more about this car insurance coverage that's required in some states, optional in others, and not even available in some.

Uninsured and underinsured motorist coverage

This auto insurance protection can cover you in hit-and-run accidents and more.

Bodily injury and property damage coverage

Basic liability insurance is required in the vast majority of states.

Kentucky DMV

Still have questions about car insurance in Kentucky? Consult your state's DMV page for even more info.

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?

Get your free quote online.

Or call 1-800-378-7262.