The auto insurance you need in Kentucky depends on several factors, including state requirements and your circumstances. Kentucky requires drivers to carry minimum amounts of bodily injury liability coverage, property damage liability coverage and personal injury protection (PIP).
If you finance or lease your vehicle, your lienholder typically requires full coverage insurance, which may include comprehensive, collision and guaranteed asset protection (GAP) coverage.
Your agent may recommend higher coverage limits or additional types of coverage to protect your assets and provide greater financial security in case of an accident.