Kentucky: car insurance by state
Minimum car insurance each state requires, whether the state is no-fault, and how shared fault affects an injury claim.
| Minimum liability (bodily injury per person / per accident / property damage) | $25,000 / $50,000 / $25,000 |
|---|---|
| Other coverage you must carry | PIP $10,000 (you may reject the no-fault limits in writing) |
| Fault system | Choice no-fault (you pick limited or full right to sue) |
| Shared-fault rule | Pure comparative: recovery reduced by your share of fault |
| Shared-fault law | K.R.S. § 411.182 |
General information only, not legal, insurance or financial advice. Not affiliated with any government agency. Exceptions can apply. Confirm with the state agency, the court or a licensed professional in Kentucky.
Also for Kentucky: Small claims limits in Kentucky · Claim deadlines in Kentucky
How we checked this
Liability limits were compared across two independent 50-state tables built from state insurance department filings; they agreed for every state. The shared-fault rule comes from a law-firm survey updated June 2026, with 2026 changes in Louisiana and New York confirmed separately. Last checked: November 12, 2026. Laws change; confirm with the state agency or a licensed professional before acting.
Cross-checked sources agree Checked on official source confirmed on a government, court or legislature site From a statute-cited table one detailed source Under review sources disagree; read the note and the law.