Get a Kentucky car insurance quote

You could save over $700 on auto insurance when you switch to Liberty Mutual¹

Buying auto insurance in Kentucky

Need car insurance in Kentucky? Whether you live in Louisville or Lexington, Liberty Mutual Insurance can help you save on car insurance! From Liability Protection to Comprehensive Coverage, we've got you covered. We'll help you customize your Kentucky auto insurance, so you only pay for what you need.

Kentucky drivers could save money with these auto insurance discounts

Switch to Liberty Mutual for car insurance and you could save over $700¹

Online Purchase Discount

Buy your policy online and save. It's that simple.²

Learn more about Savings

Bundle and Save

Convenience and savings — need we say more? Combine your policies and get a discount.²

Learn about Bundle and Save Discounts and more

RightTrack^®

Get rewarded for your good driving behavior by saving up to 30% on your policy.³

Save with our safe driver program

Those are just a few of the ways we can help lower your car insurance costs.

View all car insurance discounts

Kentucky minimum car insurance requirements (25/50/25)

It's illegal to drive without car insurance in Kentucky. To drive legally, you need to have at least the following coverage amounts and minimums in Kentucky.⁴

Coverage	Amount
Bodily Injury to Others Coverage	$25,000 per person and $50,000 per accident
Property Damage Liability Coverage	$25,000 per accident
Uninsured Motorist Bodily Injury Coverage	$25,000 per person and $50,000 per accident
Personal Injury Protection (PIP)	$10,000 per person, per accident

Visit the Kentucky Department of Insurance to learn more about minimum coverage requirements.

Average car insurance cost in Kentucky, 2026

According to 2026 data, the average cost of “full” coverage car insurance in Kentucky is about $2,196 per year.

Kentucky drivers often pay more, or less, depending on their coverages, car, age, driving record, and where they live.

Is Kentucky considered a no-fault insurance state?

Yes, Kentucky is a choice no-fault insurance state. In general, "no-fault" means that each person uses their own insurance to cover any injury related medical bills and costs due to an auto accident. In KY, this coverage is called Personal Injury Protection (PIP) and can be used regardless of fault. The minimum required is $10,000 per person, per accident.

For injuries related to an auto accident, PIP can help cover

Medical bills
Lost wages
Out of pocket expenses like hiring someone to perform household tasks you can't due to injuries, and more

Because KY is a choice no-fault insurance state, you can choose to opt out when you buy car insurance. By opting out, you

Have the right to pursue a liability claim or personal injury lawsuit against the at fault party
Can reject PIP coverage and benefits
Open yourself up to the risk of being sued if you're at fault for an auto accident

You should keep all these things in mind when you choose your coverage.

Get a quote

Who offers cheap insurance in Kentucky?

Finding the cheapest car insurance in Kentucky may sound great, but a low-cost policy may not pay out when you need it.

You want car insurance that's affordable, and dependable if you have an accident. Trusted for over 100 years, we have the experience and stability to back you up.

A Liberty Mutual auto insurance policy can cost less than you think.⁵