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Auto Insurance

from Old Kentucky Insurance

Auto Insurance

Kentucky Requires Auto Insurance

To register and operate a motor vehicle in Kentucky, you must have at least the minimum auto insurance required by the state:

  • $25,000 for one person for bodily injury damages
  • $50,000 for bodily injury damages per accident
  • $25,000 for property damage
  • $10,000 basic reparations benefits for personal injury (aka PIP insurance)


  • A policy with a single limit of $60,000

The liability insurance listed above protects both you and other motorists in the event of an accident. This is the minimum you are required to carry, however. If you have a young driver in the household, are a high net worth individual, or if you drive more than the average person, we strongly urge you to consider increasing your liability coverage. Otherwise, once your policy cap is reached, any further damages would have to come out of your own pocket.

Full Coverage Gives You Better Peace of Mind

Keep in mind that liability coverage applies to other people’s property damaged in an accident. You may wish to add full coverage to protect you if another driver is at fault and damages your vehicle in a crash.

Full coverage auto insurance includes:

  • Collision coverage for vehicle damage or replacement
  • Comprehensive coverage for vehicle damage or loss due to vandalism, theft, storms, and many natural disasters

If you rely on your car or truck for work, school, driving kids, running errands, and other activities, full coverage gets you back to normal quickly after a claim, with minimal disruption and minimal cost from your bank account. If you finance your vehicle, full coverage is likely mandatory.

Our Independent Agents Can Tailor an Auto Policy for You

When you shop for auto insurance with those big insurance companies, you’re stuck with just a few options. But when you partner with independent agents, you get a much larger selection of products. When combined with the personalized service of independent agents, that gives you a customized auto policy that suits your unique needs.

Have questions about auto coverage? Call Old Kentucky Insurance at 502-451-8800 today. You can also message us or start a policy any time online.