Cheap Car Insurance in Kentucky

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North, south, east, west—no matter where you live in the Bluegrass State, there are miles of peaceful corn-lined interstate and highways to take your home. The only downside? The deer.

Protect your ride with cheap auto insurance in Kentucky from SafeAuto. For decades, our goal has been to provide insurance that can fit anyone’s life and budget while maintaining coverage that meets state requirements.

If you’re looking for the best cheap car insurance in Kentucky, call SafeAuto, the insurance for the rest of us. Whether you reside in one of Kentucky’s small towns or one of Kentucky’s largest cities, we can help you get covered with an affordable car insurance policy and 24-hour access to our dedicated customer service team.

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Protect to your ride with Kentucky car insurance from SafeAuto


Drive confidently with Cheap car insurance in Kentucky from SafeAuto


Required Minimum Auto Insurance Coverages In Kentucky

Need insurance fast? For car insurance in Kentucky, call us at SafeAuto. Our flexible plans and low down payments mean you can select coverage to match your needs and a policy that is unique to you.

Our insurance follows Kentucky law requirements, which are 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.

  • $10,000 | Property Damage

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

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.

*Liability limits are typically expressed as three amounts separated by slashes written as 25/50/10 or 25,000/50,000/10,000.


Ready to get back on the road with SafeAuto’s auto insurance in Kentucky? Make sure you understand your state laws. If you need SR-22 insurance to demonstrate financial responsibility compliance, have questions about the penalties for non-compliance, or would like more information about other insurance products in addition to our car insurance in Kentucky, please explore our offerings under the insurance tab at

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.

Car Insurance In Kentucky By City

Proud To Be The Insurance For The Rest Of Us.

Flexible plans and affordable state minimum coverage? Now that’s insurance for the rest of us. Have a question for us at SafeAuto? Need to start your policy? Just want to talk? Call us at 1-800-SAFEAUTO to speak to a real person, not a robot, any time or email us at For common questions, please consult our FAQ page.