Kentucky requires at least $25,000 / $50,000 / $25,000 in liability coverage plus $10,000 in personal injury protection (PIP). Most drivers should carry more, because one serious accident can cost more than those limits, and you may owe the difference.
What do 25/50/25 limits mean?
- $25,000: the most your policy pays for injuries to one person you hurt.
- $50,000: the most it pays for all injuries in one accident.
- $25,000: the most it pays for property you damage, like the other car.
Example: you cause a crash that injures two people, and each has $40,000 in medical bills. At the minimum, your policy pays $25,000 for each person. The remaining $30,000 can come back to you.
Kentucky also allows a $60,000 single limit in place of the split limits.
What is PIP?
Kentucky is a no-fault state. Personal injury protection pays the first $10,000 of injury costs for you and your passengers, no matter who caused the crash.
What other coverage should I think about?
- Uninsured and underinsured motorist: pays when the driver who hits you has no insurance or too little.
- Collision: repairs your car after you hit another car or object.
- Comprehensive: covers theft, hail, falling trees, and hitting a deer.
If you have a car loan or lease, your lender usually requires collision and comprehensive.
How do I choose my limits?
Ask for two quotes side by side: the state minimum and higher limits. Compare the price difference against what you would have to pay out of pocket after a bad accident. For many drivers the jump in price is smaller than they expect.
How Riverfront Insurance Partners helps
We quote auto insurance at the minimum and at higher limits so you can see the real difference, and we compare options from the carriers we represent. We work with drivers in Covington, Taylor Mill, Fort Thomas, Independence, Florence, and across Greater Cincinnati.
Get your car insurance quote: call (859) 512-8325 or request a quote.
FAQ
Does my Kentucky policy cover me in Ohio?
Your policy is written for the state where you live and register your car, and it covers you when you drive in Ohio.
What does Ohio require?
Ohio’s minimum liability is $25,000 / $50,000 / $25,000.
Is full coverage required?
No state law requires it. Lenders usually do.