# Kentucky minimum auto liability insurance

For Kentucky minimum auto liability insurance, bodily injury per person is $25,000; bodily injury per accident is $50,000; property damage per accident is $25,000; effective date of current limits is June 29, 2017, recorded from its source on 2026-08-10.

- **State:** Kentucky _(our reading, not quoted from the source)_
- **Bodily injury per person:** $25,000 _(verified: appears in the quote below)_
- **Bodily injury per accident:** $50,000 _(verified: appears in the quote below)_
- **Property damage per accident:** $25,000 _(verified: appears in the quote below)_
- **Combined single limit alternative:** $60,000 for all damages whether arising out of bodily injury or damage to property as a result of any one (1) accident _(verified: appears in the quote below)_
- **Effective date of current limits:** June 29, 2017 _(verified: appears in the quote below)_
- **Issuing authority:** Kentucky Revised Statutes 304.39-110, Required minimum tort liability insurance
- **Notes:** A Legislative Research Commission note on the statute states the 2017 amendment to the property-damage minimum "shall apply to policies issued or renewed on or after January 1, 2018."

## What the source says

> Split limits liability coverage of not less than twenty-five thousand dollars ($25,000) for all damages arising out of bodily injury sustained by any one (1) person, and not less than fifty thousand dollars ($50,000) for all damages arising out of bodily injury sustained by all persons injured as a result of any one (1) accident, plus liability coverage of not less than twenty-five thousand dollars ($25,000) for all damages arising out of damage to or destruction of property, including the loss of use thereof, as a result of any one (1) accident arising out of ownership, maintenance, use, loading, or unloading, of the secured vehicle; or 2. Single limits liability coverage of not less than sixty thousand dollars ($60,000) for all damages whether arising out of bodily injury or damage to property as a result of any one (1) accident arising out of ownership, maintenance, use, loading, or unloading, of the secured vehicle; (b) That the liability coverages apply to accidents during the contract period in a territorial area not less than the United States of America, its territories and possessions, and Canada; and (c) Basic reparation benefits as defined in KRS 304.39-020(2). (2) Subject to the provisions on approval of terms and forms, the requirement of security for payment of tort liabilities may be met by a contract the coverage of which is secondary or excess to other applicable valid and collectible liability insurance. To the extent the secondary or excess coverage applies to liability within the minimum security required by this subtitle it must be subject to conditions consistent with the system of required liability insurance established by this subtitle. (3) Security for a motorcycle is fulfilled by providing only the coverages set forth in subsections (1)(a) and (b) of this section. Effective:June 29, 2017

## Source

- https://apps.legislature.ky.gov/law/statutes/statute.aspx?id=46758

Last verified: 2026-08-10. Review by: 2027-02-06.
Part of [Minimum auto liability insurance limits by state](https://referencesource.org/auto-insurance-minimums/).