Available on the App Store Get it on Google Play

The General® offers low cost auto insurance in Kentucky.  We have options available online to suit all types of drivers even if you have never been insured before, a lapsed policy, moving violations on your record, or had your license suspended or revoked.

We hope the information below will be helpful in answering some of the more common questions customers typically have about insurance.

Minimum Level of Coverage

Kentucky auto insurance liability limits are set to ensure that regardless of who you may get in an accident with, they have the coverage to pay for your damages if they are negligent.  Those who do not adhere to the mandatory insurance laws are subject to legal action, including being sued for damages.

Presently, the minimum limits for Kentucky are:

Bodily Injury

- $25,000 for the death or injury of any one person, any one accident
- $50,000 for all persons in any one accident

Property Damage

- $25,000 for any one accident

Personal Injury Protection (PIP)

- $10,000

Frequently Asked Questions Regarding Kentucky Auto Insurance

What is PIP (Personal Injury Protection)?

Personal Injury Protection is a mandatory auto insurance coverage in Kentucky.  All insured drivers must carry PIP coverage of at least $10,000.  The coverage can be used for medical expenses, lost wages, funeral expenses and replacement services.

What is “Uninsured/Underinsured Motorist” coverage?

Under an auto policy, this is protection for the insured against bodily injury or property damage caused by the negligence of an uninsured or underinsured motorist.

How Do I Prove I Have Insurance?

Your insurance company will send you a Proof of Insurance card listing the covered automobiles and drivers and showing the policy number and expiration date.  Your policy or a temporary binder is also an acceptable evidence of insurance.  The General® can provide instant proof of insurance for Kentucky drivers.

What if you’re currently driving without coverage?

The General® offers instant proof of insurance when you buy auto insurance online at our website.

Additional Resources

Kentucky Department of Insurance
Kentucky Department of Motor Vehicles
The Official Commonwealth of Kentucky Web Site
Kentucky State Police Website
Kentucky Department of Transportation