How It Works
Enter your ZIP code and tell us what coverage you are looking for in Kentucky
See what Kentucky requires and compare quotes from licensed carriers
Choose coverage that meets Kentucky requirements and get proof of insurance
Coverage Options
Understanding your coverage options helps you build a policy that protects what matters — without paying for what you don't need.
Liability Insurance
Every vehicle on a multi-car policy must carry at least your state's minimum liability limits. Bodily-injury and property-damage liability cover harm you cause to others.
Full Coverage Car Insurance
Liability plus collision and comprehensive. You can put full coverage on one vehicle and liability only on another — each vehicle on the policy carries its own coverage level.
Uninsured and Underinsured Motorist Coverage
Covers you when the other driver has no insurance or not enough. Required in 22 states; optional in others. Applies to every vehicle on the policy.
Multi-Car Policy Structure
A multi-car policy puts two or more owned vehicles on a single policy. The multi-car discount typically requires every vehicle on the same policy and the same garaging address.
