States
Kentucky minimum car insurance: 25/50/25
At least $25,000 per person, $50,000 per accident and $25,000 for property damage. Change the numbers below to test your own policy.
Minimum car insurance check and unpaid-damages estimate
Kentucky minimum: 25/50/25 · Choice of no-fault or tort
Your limits meet this minimum.
Left unpaid by the policy in this scenario
$80,000
- Total damages: $155,000
- Injury paid by the policy: $50,000 (per-person cap reached)
- Property paid by the policy: $25,000
The scenario amounts are yours, not statistics. official page, read 2026-11-02. Everything you enter stays in this browser: nothing is sent or stored. General information, not insurance or legal advice.
Kentucky is the clearest case of choice in what we read. Under KRS 304.39-060, anyone who registers or drives a vehicle on public roads is deemed to accept a partial abolition of tort liability, meaning bodily injury claims are limited to the extent basic reparation benefits are payable. The section is titled acceptance or rejection, so a driver can step outside it, and its exceptions matter: read the text before relying on either position. KRS 304.39-110 then allows two ways to meet the minimum. One is split limits of $25,000 per person, $50,000 per accident and $25,000 for property. The other is a single limit of $60,000 for all damages in one accident. Kentucky is therefore the only state we read that states a combined figure on the same line as the split one. The penalty section was not read, so we show none.
Official pages read by Radif Partners · Editorial policy · Method and sources
What the three numbers mean in Kentucky
This is the most common pattern among the states we read, shared with 11 others, so a policy from one of them normally fits without change.
$25,000 is the most the policy pays for one injured person. $50,000 is the most it pays for everyone hurt in the crash. $25,000 is the most it pays for the other car and anything else you damage.
| Coverage | Minimum | Source read |
|---|---|---|
| Injury, one person | $25,000 | November 2, 2026 or November 3, 2026 |
| Injury, whole accident | $50,000 | November 2, 2026 or November 3, 2026 |
| Property damage | $25,000 | November 2, 2026 or November 3, 2026 |
Read on the official page for Kentucky.
What else we read for Kentucky
| Topic | What the source says | Source |
|---|---|---|
| No-fault or at-fault | Drivers are deemed to accept a partial abolition of tort liability, and the section provides for its rejection (KRS 304.39-060). | official text |
| Other required or offered cover | Not verified | None read |
| Penalties | Not verified | None read |
| SR-22 or similar filing | Not verified | None read |
Not verified means that we did not read the rule on an official page. It does not mean that the rule is absent, and we do not infer at-fault status from silence. Ask the state before relying on a blank.