Car-insurance requirements in Kentucky (2026)
Kentucky requires 25/50/25 in the usual shorthand and publishes a combined single limit as a statutory alternative. Its no-fault system is opt-out rather than opt-in, and the rejection has consequences most summaries omit.
- Minimum liability limits
- 25/50/25
- Fault system
- Choice no-fault
- Tort threshold
- $1,000 (monetary)
- Restricted rating factors
- none found
What the statute requires
| Coverage | Amount | Status | Citation |
|---|---|---|---|
| Bodily injury liability, per person | $25,000 | required | KRS §304.39-110(1)(a) |
| Bodily injury liability, per accident | $50,000 | required | KRS §304.39-110(1)(a) |
| Property damage liability | $25,000 | required | KRS §304.39-110(1)(a) |
| Combined single limit (alternative to split limits) | $60,000 | alternative to the split limits above | KRS §304.39-110(1)(a) |
Source of record: the legislature’s own statute text, corroborated against the state insurance department or motor-vehicle agency. Verification status: primary text confirmed.
The part most published tables get wrong
A Kentucky driver is in the no-fault system by default and must file a prescribed rejection form with the department to leave it. Rejecting the limitation on tort rights also forfeits the personal-injury benefits that come with it. New Jersey and Pennsylvania default the opposite way, so the three states cannot be described with one sentence.
How old is this minimum?
Our committed statutory record for Kentucky does not carry the date its current limits took effect, so no real-terms restatement is shown. We will not deflate from a year we have not read in the statute or its enacting bill. The limits themselves are confirmed against primary text; only the commencement date is missing.
What the property-damage minimum leaves exposed
A $42,000 property-damage claim against Kentucky’s minimum of $25,000 leaves $17,000 above the limit. That difference is the at-fault driver’s own exposure. The claim figure is an illustration; the limit is the statute.
Kentucky allows a combined single limit of $60,000 as an alternative to the split limits. A combined single limit applies to the whole accident, not per coverage type.
Rating rules in Kentucky
| Factor | Status | Authority |
|---|---|---|
| Credit information | No restriction found | — |
| Gender | No restriction found | — |
| ZIP code | No restriction found | — |
| Rating territory | No restriction found | — |
| Age | No restriction found | — |
| Marital status | No restriction found | — |
| Occupation | No restriction found | — |
| Education | No restriction found | — |
The same factor across every jurisdiction: credit-based rating by state, gender rating by state, age rating by state, marital-status rating by state, occupation and education rating by state, zip code and territory rating by state.
Premium data for Kentucky
No regulator-published premium data exists for Kentucky
Kentucky’s insurance department does not publish a per-insurer premium comparison, so this site shows no premium figures for Kentucky at all. We will not substitute a figure from a quote engine, a trade body or a national aggregate: none of those is a published record of what insurers filed in Kentucky.
Coverage requirement checker
Pick a jurisdiction to see every coverage its statute requires, with the amount, the citation and whether it can be rejected.
Kentucky — minimum limits 25/50/25
| Coverage | Amount | Status | Citation |
|---|---|---|---|
| Bodily injury liability, per person | $25,000 | required | KRS §304.39-110(1)(a) |
| Bodily injury liability, per accident | $50,000 | required | KRS §304.39-110(1)(a) |
| Property damage liability | $25,000 | required | KRS §304.39-110(1)(a) |
| Combined single limit (alternative to split limits) | $60,000 | alternative to the split limits above | KRS §304.39-110(1)(a) |
Fault system: Choice no-fault — monetary threshold of $1,000 (KRS §304.39-060(2)(b)).
General information, not insurance, financial or legal advice. Requirements change; verify with your state insurance department or the statute before acting.
Questions about Kentucky
- What is the minimum car insurance required in Kentucky?
- Kentucky requires liability limits of 25/50/25 under KRS §304.39-110(1)(a).
- Is Kentucky a no-fault state?
- Kentucky operates choice no-fault with a monetary tort threshold.
- What does car insurance cost in Kentucky?
- No regulator publishes premium data for Kentucky, so this site shows no premium figures for Kentucky. We do not substitute a figure from a quote engine or a national aggregate.
Statutory records for Kentucky last verified against primary sources on 10 August 2026. Price level for the real-terms restatement: June 2026, all-items index 333.952. Every figure on this page is recomputed from committed data at build time.