Insurance
Car Insurance in Kentucky
Published September 24, 2026 · Last updated October 1, 2026
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The short answer
Kentucky is a no-fault state with an opt-out. Every driver gets limits on the right to sue after a crash, but each person can reject those limits by filing a form with the state. That choice affects your coverage, your premium, and what you can recover after a crash.
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What Kentucky requires
- Liability: $25,000 per person and $50,000 per crash for injuries, and $25,000 for property damage. A $60,000 combined single limit also works.
- Basic personal injury protection (PIP): up to $10,000 per person for medical bills, lost wages, and similar costs, no matter who caused the crash. Required on every vehicle except motorcycles.
Whose PIP pays? The insurer of the vehicle you were riding in, or the vehicle that hit you if you were a pedestrian.
The limits on your right to sue
Under Kentucky's no-fault law, anyone who drives, owns, or rides in a vehicle in Kentucky is treated as having accepted limits on lawsuits. You can't sue the at-fault driver for medical costs, lost wages, other expenses, or pain and suffering unless you have:
- more than $1,000 in medical expenses,
- a broken bone,
- permanent disfigurement or a permanent injury, or
- a death.
Rejecting the limits: what it really means
Any person can reject those limits in writing, on a special state form filed with the Kentucky Department of Insurance. It only takes effect once it's filed, and it stays in effect until you change it in writing.
What you gain: you keep your full right to sue the other driver, even for smaller injuries.
What you give up, or pay:
- You lose basic PIP benefits. You can buy that coverage back, but it isn't automatic.
- Your liability premium may go up. Others keep the full right to sue you, too.
- If everyone in your household rejects, your policy must include guest PIP to cover passengers and pedestrians.
Not sure if someone rejected? You can ask the Department to verify a person's status with form NFV-1 and a $5 fee.
Motorcycle riders, read this
PIP is optional on motorcycles. But if you don't buy it and haven't filed a rejection form, you still accepted the lawsuit limits, and you can't recover the first $10,000 of a motorcycle injury claim from the at-fault driver. Either buy PIP for your bike or think carefully about filing a rejection.
If the car has no insurance
- If the vehicle you were in has no insurance, you can claim basic PIP from your own policy, or a policy of someone in your household.
- If there's no policy at all, the Kentucky Assigned Claims Plan is the last resort.
- An uninsured vehicle owner can't collect basic PIP from anyone.
About 14.1% of Kentucky drivers were uninsured in 2023.
How much is car insurance in Kentucky?
It depends on your city, record, car, and coverage. In 2021, Kentucky households spent about 1.62% of their income on car insurance, above the U.S. average of 1.50%. Louisville and Lexington drivers follow the same state rules, and city prices can run higher than rural ones.
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Sources
- Kentucky Department of Insurance, No-fault rejection and verification (PIP)
- KRS 304.39-060 (acceptance or rejection of tort limitations)
- Kentucky Department of Insurance, No-Fault coverage uncovered (brochure)
- Insurance Information Institute, Uninsured motorists (IRC 2023 data)
- Insurance Information Institute, Auto insurance affordability (IRC)