Coverage and service for the Bluegrass State
If you live in Kentucky or plan to move there, we can help you find the protection you need with USAA Auto Insurance.
Whether you’re touring the Bourbon Trail™, enjoying the Derby City or motoring over the rolling hills of horse country, we can be there for you.
Required car insurance coverage in Kentucky
Kentucky law requires drivers to have the following minimum coverage limits.
Coverage |
Bodily injury liability |
|---|---|
Description |
This helps cover expenses for the injuries or deaths of others involved in accidents where you're found at fault. |
Minimum requirement |
$25,000 limit per person $50,000 limit per accident |
Coverage |
Property damage liability |
Description |
This helps pay for damages to other people's property like vehicles, homes and other buildings if you're at fault for an accident. |
Minimum requirement |
$25,000 limit per accident |
Coverage |
Uninsured motorists bodily injury |
Description |
This helps cover your expenses if you're injured in an accident caused by a driver who doesn't have insurance. |
Minimum requirement |
You must have the same limits as your bodily injury liability coverage. |
Coverage |
Personal injury protection |
Description |
This helps cover expenses if you or your passengers are injured in a car accident, regardless of whose fault it is. |
Minimum requirement |
$10,000 limit per person Coverage can be rejected by written request. |
Required car insurance coverage in Kentucky
Kentucky law requires drivers to have the following minimum coverage limits.
| Coverage | Description | Minimum requirement |
|---|---|---|
Bodily injury liability |
This helps cover expenses for the injuries or deaths of others involved in accidents where you're found at fault. |
$25,000 limit per person $50,000 limit per accident |
Property damage liability |
This helps pay for damages to other people's property like vehicles, homes and other buildings if you're at fault for an accident. |
$25,000 limit per accident |
Uninsured motorists bodily injury |
This helps cover your expenses if you're injured in an accident caused by a driver who doesn't have insurance. |
You must have the same limits as your bodily injury liability coverage. |
Personal injury protection |
This helps cover expenses if you or your passengers are injured in a car accident, regardless of whose fault it is. |
$10,000 limit per person Coverage can be rejected by written request. |
Kentucky law requires drivers to have the following minimum coverage limits.
| Coverage | Bodily injury liability |
|---|---|
| Description | This helps cover expenses for the injuries or deaths of others involved in accidents where you're found at fault. |
| Minimum requirement | $25,000 limit per person $50,000 limit per accident |
| Coverage | Property damage liability |
| Description | This helps pay for damages to other people's property like vehicles, homes and other buildings if you're at fault for an accident. |
| Minimum requirement | $25,000 limit per accident |
| Coverage | Uninsured motorists bodily injury |
| Description | This helps cover your expenses if you're injured in an accident caused by a driver who doesn't have insurance. |
| Minimum requirement | You must have the same limits as your bodily injury liability coverage. |
| Coverage | Personal injury protection |
| Description | This helps cover expenses if you or your passengers are injured in a car accident, regardless of whose fault it is. |
| Minimum requirement | $10,000 limit per person Coverage can be rejected by written request. |
Get up to 30% off your premium at renewal for being a safe driver. See note 4
With USAA SafePilot®, the better you drive, the bigger the discount you may earn.
USAA SafePilot Miles™ could help you save while you serve. See note 4
If you’re active duty living on base and don’t drive too often, USAA SafePilot Miles could be a great option to help lower your expenses. It could also help you if you’re about to deploy.
Kentucky car insurance FAQ
If you’re moving to Kentucky or within the state, you should change the vehicle location on your auto policy. You may also want to review your coverage and deductibles, as insurance needs can change with a move.
It’s also a good idea to check with your state to see if you need to update your vehicle registration.
Some states may require you to carry a physical insurance ID card. You can print your own card or we can send it to you. You can also save a digital copy to the USAA Mobile App.
Yes. Drivers are usually required to get personal injury protection or no-fault coverages in Kentucky. That means if you or your passengers are injured in a car accident, then your own auto insurance would help cover related medical costs no matter who caused the accident.