Kentucky Car Insurance
Kentucky is a modified (choice) no-fault state under the Kentucky Motor Vehicle Reparations Act. Every policy must carry 25/50/25 liability under KRS § 304.39-1101 and $10,000 Basic Reparation Benefits (PIP) under KRS § 304.39-0202. Drivers may reject tort limitations in writing under KRS § 304.39-0603.
YesWeSure Bottom Line
Choice no-fault. By default you receive $10,000 Basic Reparation Benefits and your right to sue for non-economic damages is capped by the monetary tort threshold. You can reject the tort limitation in writing to preserve full tort rights23.
UM required, UIM must-offer. UM is required unless rejected in writing; UIM must be offered. Each election is independent of the other4.
How to make a real decision. Treat 25/50/25 + $10,000 BRB as the floor. For how to think about higher limits, see how to choose coverage limits.
State requirements at a glance
What Kentucky car insurance law requires
Minimum liability limits
25 / 50 / 251
$25,000 bodily injury per person, $50,000 per accident, $25,000 property damage per accident, or a $60,000 single limit, under KRS § 304.39-110. Property damage minimum rose from $10,000 to $25,000 effective July 14, 2022 (HB 320).
Basic Reparation Benefits (PIP)
$10,000 required2
Every Kentucky policy must include Basic Reparation Benefits (BRB), Kentucky's PIP, at $10,000 per person for medical, lost wages, replacement services, and survivor benefits under KRS § 304.39-020.
Uninsured / Underinsured Motorist
Must offer; 25 / 50 BI if purchased4
KRS § 304.20-020 requires every Kentucky personal auto policy to include UM coverage; KRS § 304.39-320 requires insurers to offer UIM. The named insured may reject each in writing.
Choice no-fault election
Tort rejection available in writing3
Kentucky drivers may reject tort limitations in writing under KRS § 304.39-060 to preserve full tort rights, or accept the no-fault framework with its monetary tort threshold.
Coverage verification
Kentucky online insurance verification5
The Kentucky Transportation Cabinet administers electronic insurance verification. Confirmed lapse can trigger registration suspension and reinstatement fees under KRS § 186A.040.
Rate approval regime
Kentucky DOI oversight6
Kentucky does not maintain a headline statewide prohibition on credit-based insurance scoring, gender, or age as personal-auto rating factors.
25/50/25 compulsory liability
KRS § 304.39-110 compels every registered Kentucky vehicle to carry 25/50/25 liability (or a $60,000 single limit)1. The property-damage minimum was raised from $10,000 to $25,000 effective July 14, 2022 under HB 320. Many Kentucky drivers carry higher limits.
$10,000 Basic Reparation Benefits (PIP) under KRS § 304.39-020
Every Kentucky policy must include Basic Reparation Benefits (BRB) at $10,000 per person for medical, lost wages, replacement services, and survivor benefits, regardless of fault2. BRB is Kentucky's PIP. For how PIP works, see our PIP coverage guide.
UM required; UIM must-offer
KRS § 304.20-020 requires every Kentucky personal auto policy to include UM coverage unless the named insured rejects it in writing4. KRS § 304.39-320 requires insurers to offer UIM.
Verification and lapse enforcement
The Kentucky Transportation Cabinet administers electronic insurance verification6. A confirmed lapse can trigger registration suspension and reinstatement fees under KRS § 186A.0405. For a general lapse treatment, see our after-a-lapse guide.
Rating-factor landscape
Kentucky does not maintain a headline statewide prohibition on credit-based insurance scoring, gender, or age6.
Where the Kentucky situation rules live on YesWeSure
This State Guide owns the Kentucky pricing and legal framework. Situation-specific mechanics live on the sibling Situation guides:
- After an accident. See our after-an-accident guide.
- After a DUI. Kentucky SR-22 and reinstatement mechanics are treated in our after-a-DUI guide.
- After a lapse. Transportation Cabinet consequences of a lapse are treated in our after-a-lapse guide.
- Moving into Kentucky. New-resident registration is treated in our moving-to-another-state guide.
What we verified for this page
- Strong25/50/25 minimum liability (or $60,000 single limit) under KRS § 304.39-110 verified against the statute. Property damage minimum rose from $10,000 to $25,000 effective July 14, 2022.
- StrongCompulsory Basic Reparation Benefits ($10,000 per person) under KRS § 304.39-020 verified against the statute. Kentucky is a modified no-fault state. Consistent with the frozen YesWeSure medical-payments guide listing Kentucky as a PIP state; no conflict.
- StrongChoice no-fault election under KRS § 304.39-060 verified against the statute. Drivers may reject tort limitations in writing to preserve full tort rights.
- StrongUM required with written rejection permitted (KRS § 304.20-020); UIM must-offer (KRS § 304.39-320) verified against the statutes.
- StrongKentucky electronic verification under KRS § 186A.040 verified against the statute and the Kentucky Department of Insurance consumer page.
- LimitedDeliberately omitted from V1. A Kentucky modeled cost anchor; carrier-specific KY underwriting; the exact SR-22 duration (deferred to the after-a-DUI guide); and telematics program detail.
- LimitedNamed author and expert reviewer. V1 attributes to "YesWeSure Editorial." A Kentucky-licensed reviewer is tracked as a pre-launch YMYL item.
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Common questions
What is the minimum car insurance required in Kentucky?
25/50/25 liability (or $60,000 single limit) and $10,000 Basic Reparation Benefits, under KRS §§ 304.39-110 and 304.39-02012.
Is Kentucky a no-fault state?
Kentucky is a modified (choice) no-fault state. By default you have no-fault BRB and a tort threshold; you may reject the tort limitation in writing to preserve full tort rights under KRS § 304.39-0603.
Is UM/UIM required in Kentucky?
UM is required unless the named insured rejects it in writing (KRS § 304.20-020). UIM is must-offer under KRS § 304.39-3204.
Sources & methodology
- KRS § 304.39-110: compulsory motor vehicle insurance under the Kentucky Motor Vehicle Reparations Act; 25/50/25 minimum (or $60,000 single limit); property damage raised to $25,000 effective July 14, 2022 under HB 320. (Kentucky Legislature, TIER 1)
- KRS § 304.39-020: definitions and Basic Reparation Benefits ($10,000 per person) under the Kentucky Motor Vehicle Reparations Act. (Kentucky Legislature, TIER 1)
- KRS § 304.39-060: tort liability limitation; written rejection to preserve full tort rights. (Kentucky Legislature, TIER 1)
- KRS § 304.20-020: Uninsured Motorist coverage required; written rejection permitted. (Kentucky Legislature, TIER 1)
- KRS § 186A.040: proof of insurance and registration suspension for lapse. (Kentucky Legislature, TIER 1)
- Kentucky Department of Insurance: Automobile Insurance consumer page. (Kentucky Department of Insurance, TIER 1)
- YesWeSure: Car insurance after an accident (YesWeSure, INTERNAL)
- YesWeSure: Car insurance after a DUI (YesWeSure, INTERNAL)
- YesWeSure: Car insurance after a lapse in coverage (YesWeSure, INTERNAL)
- YesWeSure: Car insurance when moving to another state (YesWeSure, INTERNAL)
- YesWeSure: Personal injury protection (PIP) (YesWeSure, INTERNAL)
- YesWeSure: How to choose coverage limits (YesWeSure, INTERNAL)
- YesWeSure: How insurers calculate rates (YesWeSure, INTERNAL)
Evidence hierarchy on this page: Tier 1 (Kentucky Revised Statutes, Kentucky Department of Insurance). Every legal number traces to a Kentucky primary source: KRS §§ 186A.040, 304.20-020, 304.39-020, 304.39-060, 304.39-110. This page is informational and does not constitute legal, tax, or insurance advice. Last reviewed .