Kentucky Car Insurance Car Insurance Quote in KY
The average auto insurance premium for residents in Kentucky is $1,862 in 2009; the national average is $1,790.
Kentucky Car Insurance
Kentucky state law requires minimum Bodily Injury Liability limits of $25,000 per injured person up to a total of $50,000 per accident, and Property Damage Liability coverage with a minimum limit of $10,000. This basic coverage is often referred to as 25/50/10 coverage.
Kentucky Insurance Coverage:
- Bodily Injury Liability: $25,000/$50,000 Limit
- Property Damage Liability: $10,000 Limit
- Personal Injury Protection: $10,000 Limit
- Choice to purchase based on the no-fault system or tort system
The state of Kentucky follows a Choice No-Fault system meaning drivers may reject the No-Fault system options and retain the right to sue (Tort system) for any auto-related injury.
You can get Uninsured/Underinsured Motorist Bodily Injury coverage to cover bodily injury caused by an uninsured and/or underinsured driver (depending on the state). Kentucky does not require drivers to purchase this coverage, but you should consider purchasing this valuable coverage.
