Car Insurance — Kentucky
Kentucky Auto Insurance
Looking for car insurance in Kentucky? Signature Insurance is an independent agency licensed in Kentucky. We shop Progressive, Nationwide, Travelers, Safeco, and Kentucky Farm Bureau and dozens more to find you the right blend of price and coverage.
Get a KY Car Insurance QuoteKentucky Auto Insurance — What's Covered
- liability (bodily injury + property damage)
- collision
- comprehensive
- uninsured/underinsured motorist
- medical payments / PIP
- rental reimbursement
- roadside assistance
Kentucky Auto Insurance Requirements
Kentucky requires at least $25,000 of bodily injury liability per person, $50,000 per accident, and $25,000 of property damage liability (25/50/25).
Kentucky uses a choice no-fault system. Personal injury protection (PIP) pays your own medical bills regardless of fault, and when you buy your policy you choose how much of your right to sue you keep. That choice changes your premium.
State minimums are a legal floor, not a recommendation. One serious accident can cost far more than these limits, so most drivers are better protected with higher liability limits and uninsured motorist coverage.
Requirements as of 2026. Rules change, so confirm current requirements with your agent.
Top Carriers We Shop in Kentucky
We have direct appointments with Progressive, Nationwide, Travelers, Safeco, and Kentucky Farm Bureau plus dozens of regional and specialty markets.
Auto Insurance in Kentucky FAQ
What are the minimum car insurance requirements in Kentucky?
Kentucky requires at least $25,000 of bodily injury liability per person, $50,000 per accident, and $25,000 of property damage liability (25/50/25). Kentucky uses a choice no-fault system.
How much auto insurance do I need?
At minimum, the liability limits your state requires — but most agents recommend 100/300/100 ($100k bodily injury per person, $300k per accident, $100k property damage) plus uninsured-motorist coverage. If you have meaningful assets to protect, layer an umbrella policy on top.
What discounts can I qualify for?
Common ones we shop for: multi-policy (auto + home), multi-vehicle, paid-in-full, paperless, good driver, defensive driving course, low mileage, telematics, good student, military/affiliation, and homeowner discount (even if your home is insured elsewhere).
Does Signature Insurance write car insurance in Kentucky?
Yes. Signature is a licensed insurance agency in Kentucky with direct appointments with Progressive, Nationwide, Travelers, Safeco, and Kentucky Farm Bureau. You can quote online in 5–10 minutes or call 859-407-4888.
More Kentucky coverage:
Get Kentucky Car Insurance Quotes
5-minute online quote. Or call 859-407-4888 — Mon–Fri 9–5 EST.