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Kentucky Minimum Car Insurance (25/50/25)

Use the calculator to see how Kentucky's minimum limits would apply to a hypothetical injury bill and property-damage bill.

This tool is an estimate for education only. It is not legal advice, not an insurance quote, and not a prediction of what a court, insurer, or claims adjuster would pay. Coverage rules, statutes, and case law change. Read the official source linked on this page. Nothing you type into the calculator is collected or sent anywhere; the math runs in your browser.

Short answer: Kentucky requires $25,000 bodily injury per person / $50,000 bodily injury per accident / $25,000 property damage. This page prefills the calculator for Kentucky and cites the official source.

Reviewed November 7, 2026

What Kentucky requires

Kentucky's official statute KRS 304.39-110 requires either split-limit liability of $25,000 per person and $50,000 per crash for bodily injury plus $25,000 for property damage, or a $60,000 combined single limit, together with basic reparation benefits. A 2017 amendment applied the current property-damage minimum to policies issued or renewed on or after January 1, 2018. Motorcycle security under the same section is fulfilled by the liability coverages without the no-fault piece.

Required PIP / no-fault benefits (KRS 304.39-110 requires basic reparation benefits as defined in KRS 304.39-020(2). This review opened § 304.39-110 on the official LRC site but did not independently extract the current dollar figure from the definition section, so no Kentucky PIP dollar amount is shown.)

A common way to write split limits is 25/50/25. The first number is bodily injury per person, the second is bodily injury for everyone hurt in one crash, and the third is property damage. This calculator's injury example uses only the per-person number because it assumes one injured person.

Official source

Kentucky Revised Statutes § 304.39-110. KRS 304.39-110 (official LRC page opened 2026-11-07): split limits 25/50/25 or a $60,000 single limit, plus basic reparation benefits. The 2017 property-damage increase applies to policies issued or renewed on or after January 1, 2018.

Reviewed November 7, 2026. Compare other states on the sources table or the machine-readable data file.

For the recovery rule that would apply if you were partly at fault in Kentucky, use the fault / comparative negligence calculator.

FAQ

What is the minimum car insurance in Kentucky?

The primary source cited on this page states that Kentucky requires $25,000 bodily injury per person / $50,000 bodily injury per accident / $25,000 property damage. In addition, required PIP / no-fault benefits (KRS 304.39-110 requires basic reparation benefits as defined in KRS 304.39-020(2). This review opened § 304.39-110 on the official LRC site but did not independently extract the current dollar figure from the definition section, so no Kentucky PIP dollar amount is shown.). Always read the official source because statutes and department guidance can change.

Does Kentucky's minimum cover my own injuries or my own car?

Liability coverage pays people you injure or whose property you damage. It does not pay your own medical bills or repair your own car. This state does require first-party PIP or no-fault benefits for your own injuries. Collision and comprehensive are separate optional coverages.

What if medical or repair bills are higher than the minimum?

The calculator subtracts Kentucky's per-person bodily-injury minimum from a one-person injury bill and subtracts the property-damage minimum from a property bill. Anything above those two limits is the simple gap shown.

Is uninsured or underinsured motorist coverage required in Kentucky?

The sources we opened for the liability limits did not state that UM is a mandatory statewide coverage in the same way liability is. Offer-and-rejection rules vary; read the official source.

How does this calculator work?

You enter a hypothetical injury bill for one other person and a hypothetical property-damage bill. The script, running only in your browser, compares those bills with the verified per-person BI limit and PD limit and shows the covered amount and the leftover gap. It does not send your numbers to our servers.

Is this legal advice or an insurance quote?

No. This Kentucky page and calculator are general information based on the official source cited below, reviewed November 7, 2026. They are not a quote and not advice about your claim or what limits you should buy.