Like all other states, Kentucky also has minimum car insurance requirements. If you are a licensed driver in the state of Kentucky, your insurance plan must meet the minimum insurance requirements set by the state insurance department. These include bodily injury and property damage coverage.

The state offers drivers the option to choose between a �split limit� and �single limit� coverage.

In the split limit coverage, the minimum limit for bodily injury liability is laid down as $25,000 per injured person per accident and $50,000 for all injured people in an accident. The minimum limit for property damage liability is $10,000. This basic insurance plan is referred to as 25/50/10 coverage.

The Personal Injury Protection Coverage has a minimum limit of $10,000.

The single limit coverage includes an amount of $60,000 for all damages incurred in an accident.

Kentucky has implemented a choice of �no fault� policy. This means that it is up you to choose or reject your right to sue the person responsible for the accident. When you agree to let your insurance company pay for all the damages in an accident, you have to give up your right to sue the other driver. However, you can be compensated for medical and funeral expenses regardless of whose fault the accident is. This policy helps in lowering the rates of insurance premiums.

The state of Kentucky has not made it mandatory for its drivers to purchase uninsured and underinsured coverage. The choice of purchasing these coverage options is left to the drivers. The minimum limits for uninsured coverage is the same as normal. However, there is no minimum limit for an underinsured coverage.

You also need written proof of your coverage while going out for a drive in the state of Kentucky. It is advisable to adhere to the laws of the state because violations of the laws attract strict penalties.

The average car insurance premium rate in the state of Kentucky is $1,937 for 2009 which is 17% higher than 2008.

Kentucky car insurance is not cheap. Before you settle down for a particular car insurance company, you need to get free quotes using our form below. Compare the insurance premium rates offered by different companies. Choose the company that offers the most competitive rates while adhering to the requirements of state law.

For more information regarding Kentucky insurance policies residents can contact the Kentucky Office of Insurance in Frankfort, KY at (800) 595-6053 or visiting their website at http://insurance.ky.gov .

The financial responsibility laws can be easily satisfied if you purchase your car insurance from a Kentucky Licensed Insurance Carrier.