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Cheap Car Insurance in Kentucky

If the place you call home is anywhere across the bluegrass state, you’re in luck! SafeAuto provides cheap auto insurance in Kentucky that fits your life and budget while maintaining the coverage that meets Kentucky’s minimum requirements for an auto policy. Whether you reside in one of Kentucky’s small towns or one of Kentucky’s largest cities, SafeAuto has got you covered with an affordable car insurance policy with 24/7 access to our customer service team. Start your fast and free car insurance quote online , and join the SafeAuto family today!

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Required Minimum Auto Insurance Coverages In Kentucky

Liability insurance covers bodily injury and property damage claims resulting from an accident that is primarily your fault. The limits in your policy are the maximum amounts your insurance company will pay for bodily injury and property damage claims. They are typically expressed as three amounts separated by slashes written as 25/50/25 or 25,000/50,000/25,000

Kentucky’s law requires you to maintain liability limits of at least:

  • $25,000 | Bodily Injury per Person

    The first number is the maximum amount that your policy will pay for bodily injury to or death of one (1) person in any one (1) accident.

  • $50,000 | Bodily Injury per Accident

    The maximum amount that your policy will pay for bodily injury to or death of two (2) or more persons in any one (1) accident, subject to the $25,000 per person limit.

  • $25,000 | Property Damage

    The maximum amount that your policy will pay for injury to or destruction of property of others in an accident.


Under Kentucky law, you must provide proof of Financial Responsibility in the following circumstances:

- At the request of a law enforcement officer at the time of an accident or traffic stop - When registering a vehicle

To ensure drivers continue to meet the Financial Responsibility requirements, Kentucky also requires insurers to electronically report all of their active policies on a monthly basis.

Penalty for Failure to Comply with Kentucky's Financial Responsibility Requirements:

Failure to maintain proper insurance could lead to the loss of your vehicle plates and suspension of your driver's license. If a law enforcement officer stops you, you may face a fine of $500-$1,000, be sentenced to ninety (90) days in jail, or both.


You can get a free car insurance quote online or by calling a dedicated SafeAuto customer service representative at 1-800-SAFEAUTO. Customer service is available 24/7 to assist you with your quote or answer any insurance questions you may have.

SafeAuto offers affordable Kentucky car insurance throughout the entire Bluegrass state! If you are looking for more car insurance information in a specific city across the state of Kentucky, more material can be found below.

Related Kentucky Insurance Requirement Information:

Kentucky Division of Driver Licensing

SafeAuto loves to save you money on your car insurance. That’s why SafeAuto is the Insurance for the Rest of Us. We’d be happy to have you be a part of the SafeAuto family while you’re enjoying the road ahead!

If you have any further car insurance questions please visit our FAQ page or contact the SafeAuto Customer Service Department at