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Coverage and service in the Bluegrass State

Kentucky has nearly 80,000 miles of roadways, leading to historic sites and winding through beautiful backroads. If you live in the Bluegrass State, USAA offers a combination of coverage and service as enjoyable as Kentucky's country roads. Whether you're heading to Louisville for the Kentucky Derby or motoring to Mammoth Cave National Park, USAA can be there for you.

USAA offers Kentucky residents a large combination of car insurance coverages and excellent service.

The average cost of car insurance in Kentucky

There are many things involved in determining auto insurance rates. How many miles you drive a year and your driving record both play a part in how much you'll pay.

$175 See noteper month

The average monthly cost for all USAA auto policies issued in Kentucky in 2023.1

Kentucky car insurance coverage requirements

As of Jan. 1, 2024, Kentucky law requires drivers to have the following minimum bodily injury and property damage liability limits:

  • $25,000 of bodily injury liability coverage per person

    This helps cover expenses for the injuries or deaths of others involved in accidents where you're found at fault.

  • $50,000 of bodily injury liability coverage per accident limit

    This is the total amount of coverage for expenses related to the injuries or deaths of others involved in accidents where you're found at fault.

  • $25,000 of property damage liability coverage

    This helps pay for damages to other people's property like vehicles, homes and other buildings if you're at fault for an accident.

  • Uninsured and underinsured motorist coverage

    This coverage is available to Kentucky drivers up to the bodily injury limits. To help cover your expenses if you're in an accident caused by a driver who is uninsured or doesn't have enough insurance, consider adding uninsured and underinsured coverage.

  • Personal injury protection (PIP)

    PIP is available to Kentucky drivers. This helps pay for medical expenses and lost income if you're involved in an accident.

Some drivers choose to have higher limits and more coverages for greater protection. If you're responsible for injuries and damage that cost more than your policy will cover, you may have to pay out of pocket.

A popular coverage option is roadside assistance.2 It can help if you're broken down and need a tow. Many drivers also add rental reimbursement.3 It helps cover the cost of a rental car if your vehicle is in the shop for repairs after a covered loss.

If you're making payments to a leasing company or a lender, they may also require you to carry collision and comprehensive coverages. Learn more about the different types of car insurance coverage.

Get up to 30% off your premium for being a safe driver.4

With USAA SafePilot®, the better you drive, the bigger the discount you may earn.

Reasons to choose USAA Auto Insurance in Kentucky

A countrywide survey showed that when members switched to a USAA Auto Insurance policy, they saved an average of $725 on their annual premium.5 Here's what else you can expect with a USAA Auto Insurance policy.

Coverage for whatever moves you

Still have questions about car insurance?

We can help. To speak with a representative, call 800-531-USAA (8722).([thats 800-531-]8722)