Kentucky

Kentucky requires minimum liability of 25/50/25 ($25,000 bodily injury per person / $50,000 per accident / $25,000 property damage), PLUS Personal Injury Protection (PIP) of at least $10,000. Kentucky is a no-fault state, so drivers recover medical costs from their own PIP coverage regardless of fault.

Bodily injury liability in Kentucky pays for medical bills, lost wages, and pain-and-suffering damages owed to people YOU injure in an at-fault crash. The minimum is $25,000 per injured person and $50,000 total per accident. These are caps on what your insurer will pay; you are personally liable for damages above the policy limit.

Property damage liability in Kentucky pays for damage YOU cause to other people's vehicles, fences, buildings, and other property. The minimum is $25,000 per accident. Given the rising cost of vehicles and repairs, this minimum often falls short of a single luxury vehicle's repair bill.

Kentucky does not strictly require UM/UIM coverage, but insurers must offer it. UM/UIM coverage must be offered; written rejection allowed. UM/UIM coverage protects YOU and your passengers when an at-fault driver has no insurance or insufficient limits to cover your injuries.

Kentucky REQUIRES Personal Injury Protection (PIP) of at least $10,000. PIP pays your own medical bills, a portion of lost wages, and certain replacement services after a crash, regardless of who was at fault. PIP is the cornerstone of the state's no-fault system.

Kentucky is a choice no-fault state. PIP ("basic reparation benefits") of $10,000 per person is required unless the driver opts out by signing a written rejection of no-fault.

Self-insurance certificates available for owners of 26+ vehicles through the Department of Vehicle Regulation. SR-22 may be required after DUI, uninsured accidents, or repeat suspensions.

For the most current minimum auto insurance requirements in Kentucky, consult the official source at https://insurance.ky.gov/. State minimums change periodically; verify current law before relying on these figures.