Kentucky Teen Driver Insurance for Parents & New Drivers
Kentucky requires 25/50/25 liability coverage and is a no-fault state.
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Kentucky at a Glance
25/50/25
Minimum liability limits, in thousands of dollars (per person / per accident / property)
No-fault
Each driver's own policy pays their injuries first, whoever caused the crash
Required
PIP coverage must be on every policy
15
Minimum learner's permit age, 60 supervised driving hours
Source: state DMV, insurance department and statute records, verified July 2026
Minimum Coverage Requirements in Kentucky
The state operates a three-stage graduated licensing system: learner's permit at 16, intermediate license at 16 (with passenger and nighttime restrictions), and full unrestricted license at 17 after 180 days incident-free. Kentucky does not legally mandate good student or driver training discounts, though most major insurers offer them — parents must ask specifically and provide documentation.
Bodily Injury Liability
Property Damage Liability
Uninsured/Underinsured Motorist
Collision Coverage
Comprehensive Coverage
What Drivers Pay in Kentucky
$267–$643/mo
Typical monthly rate in Kentucky, adding a driver aged 16–19 to a parent's policy
Rate data: Insurify and ValuePenguin, 2025
What Affects Your Rate
- Graduated licensing stage: Kentucky teens under intermediate license (ages 16–17 with passenger and nighttime restrictions) may see slightly lower rates than those with full unrestricted licenses, as restricted driving hours reduce exposure
Cover Your New Driver for Less
Compare Teen Driver Insurance RatesRules for new drivers
Night driving
midnight-6am
Passengers
no more than 1 passenger younger than 20 (secondary)
Source: IIHS and state DMV records, verified July 2026
Coverage Types
Liability Insurance
Bodily injury and property damage liability cover harm your teen causes to others. Kentucky's 25/50/25 minimums are inadequate for serious accidents.
Collision Coverage
Pays to repair your teen's vehicle after an accident, regardless of fault. Required by lenders but optional for paid-off vehicles.
Comprehensive Coverage
Covers theft, vandalism, weather damage, and animal strikes. Required by lenders, optional otherwise.
Uninsured Motorist Coverage
Protects your teen if hit by a driver with no insurance or insufficient coverage to pay for injuries.
Full Coverage for Financed Vehicles
Liability plus collision and comprehensive, required by lenders when a vehicle is financed or leased.
Telematics / Usage-Based Programs
Monitors driving habits via smartphone app or plug-in device and adjusts rates based on safe driving behavior.