Car Insurance in Louisville, KY
Serving Louisville, Prospect and the surrounding Kentucky area
Coverage that fits how you drive
Kentucky's auto insurance rules are a little different from most states. As an independent agency in Louisville, we compare options from carriers like Progressive, Safeco, Travelers and Dairyland to build a policy that fits your car, your commute and your budget.
What Kentucky requires
- Liability coverage of at least $25,000 per person and $50,000 per accident for bodily injury, plus $25,000 for property damage, or a single limit of $60,000.
- Basic personal injury protection (PIP): Kentucky is a "choice no-fault" state, and basic PIP pays up to $10,000 per person for medical bills, lost wages and similar costs, regardless of who caused the accident.
- You can reject the no-fault limits on your right to sue, but only in writing on a special form filed with the Kentucky Department of Insurance.
Driving without insurance in Kentucky can cost you your registration, a fine of $500 to $1,000 and up to 90 days in jail.
Why the minimum is just a starting point
State minimums are a floor, not a recommendation. We'll review your liability limits, uninsured motorist, collision and comprehensive options with you so a single accident doesn't put your savings at risk. Start an auto quote or read more about our auto insurance.
Sources: KRS 304.39-110, Kentucky Department of Insurance, Kentucky Transportation Cabinet.
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