kentucky motorcycle insurance

Even though Esurance doesn't insure Kentucky bikers yet, we work with our partner to offer some of the most affordable motorcycle insurance rates available in the Bluegrass State.

And we're no one-trick pony — every motorcycle policy through Esurance includes flexible payment options and 24/7 claims service. Get a free Kentucky motorcycle insurance quote here for customizable coverages, limits, and deductibles.

what our customers say


My last insurance company was so complicated. I love how easy and accessible Esurance is. I can print what I need when I need it, and the customer service is the best I've ever experienced.

— Paul, Florida


I filed a claim online and was called within 30 minutes. My rep was very helpful and informative — but most of all she was human. It made an odd situation easy to work through.

— Jordan, Massachusetts


You guys get it and you rock! I love dealing with efficient companies without all of the red tape and corporate stuffiness! Thank you Esurance for being awesome and providing a good service.

— Kristoffer, South Carolina

kentucky motorcycle discounts

When it comes to saving Kentucky residents some well-deserved cash on their motorcycle insurance, our trusted partner is a flat-out workhorse. Just take a peek at the impressive stable of discounts you could snag when you get a quote from them:

  • Homeowner discount
  • Paid-in-Full discount
  • Responsible Driver discount
  • Multi-Vehicle discount
  • Claim Free Renewal discount

required motorcycle insurance in kentucky

Kentucky riders must carry compulsory liability insurance, which helps cover others' injury or property damage costs if you're ever deemed at-fault in an accident while operating your motorcycle.

The minimum liability limits in your state are:

  • $25,000 bodily injury per person
  • $50,000 bodily injury per incident
  • $10,000 property damage per incident

Or you have the option of selecting a single $60,000 combined limit to put toward all costs.

Of course, you can always select more protection than just the bare minimum, which is a smart way to safeguard your finances in the face of steeper-than-anticipated accident bills.

are helmets required in kentucky?

If you're under the age of 21, you must wear a helmet when riding a motorcycle in the Bluegrass State. Regardless of age, however, helmets are always a smart accessory. Fact is, over half of the fatal motorcycle accidents in Kentucky involve non-helmeted bikers. Clearly, the path to safer riding begins by cushioning your cranium.

Since this is such an important purchase, you probably want to make it a lasting one. Find out how to select the perfect fitting helmet for you, and cruise with confidence in your beautiful state for years to come.

Get a motorcycle insurance quote and see how much you can save.

Or call 1-866-455-1980.