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Kentucky Teen Driver Insurance: Parent & New Driver Guide

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

State Requirements

Under Kentucky's graduated driver licensing system, teens receive a learner's permit at 16, an intermediate license at 16.5 (after holding the permit for 180 days), and a full unrestricted license at 18. Kentucky law mandates that insurers offer a good student discount to drivers under 25 who maintain at least a B average or equivalent, making this one of the most accessible cost-reduction tools for parents adding a teen driver.

Liability Insurance

Kentucky's minimum liability requirement covers injuries and property damage you cause to others in an at-fault accident. State minimums are inexpensive but may not provide adequate protection given the elevated crash risk for drivers under 20.

Personal Injury Protection (PIP)

Kentucky is a no-fault state, requiring PIP coverage that pays medical expenses, lost wages, and other costs for you and your passengers regardless of who caused the accident. This coverage applies to teen drivers on your policy and covers their injuries in any accident, making it particularly valuable given the higher injury rates among inexperienced drivers. Parents cannot waive this coverage even if they have health insurance.

Collision Coverage

Collision coverage pays to repair or replace your teen's vehicle after an accident regardless of fault, minus your deductible. If your teen drives a newer or financed vehicle, lenders require this coverage.

Comprehensive Coverage

Comprehensive coverage protects against theft, vandalism, weather damage, and animal strikes—risks unrelated to your teen's driving skill. In Kentucky, deer strikes are common in rural counties, and comprehensive claims don't raise rates the way at-fault accidents do. Parents with financed vehicles must carry this coverage, but it's often worth keeping even on older vehicles due to Kentucky's storm frequency and relatively low cost compared to collision.

Uninsured/Underinsured Motorist Coverage

Kentucky requires insurers to offer uninsured and underinsured motorist coverage at the same limits as your liability policy, though you can reject it in writing. This coverage is especially valuable for teen drivers who may not recognize uninsured motorist situations and could face significant medical bills.

Cost Overview

$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

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Rules 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

Frequently Asked Questions

What are Kentucky's graduated licensing restrictions for teen drivers?

Kentucky teens receive a learner's permit at 16, requiring 60 hours of supervised driving (10 at night) before advancing. At 16.5 years old (after holding the permit for 180 days), they qualify for an intermediate license with restrictions: only one non-family passenger under 20 unless accompanied by a licensed driver 21 or older, and a midnight–6am curfew (except for work, school, or emergencies). Teens receive a full unrestricted license at 18 after holding the intermediate license for 180 days. These restrictions can affect coverage decisions, as some insurers offer lower rates during the learner's permit stage when the teen is not driving independently.

Coverage Types

Liability Insurance

Covers injuries and property damage your teen causes to others. Kentucky requires $25,000/$50,000/$25,000 minimums.

Collision Coverage

Pays to repair or replace your teen's vehicle after an accident, regardless of fault, minus your deductible.

Comprehensive Coverage

Covers theft, vandalism, weather damage, and animal strikes—common risks in Kentucky unrelated to your teen's driving experience.

Uninsured/Underinsured Motorist

Protects your teen if hit by a driver with no insurance or insufficient coverage to pay for injuries and damages.

Full Coverage

Combines Kentucky's required liability and PIP with collision and comprehensive coverage—the standard package for financed or newer vehicles.

Personal Injury Protection (PIP)

Kentucky's no-fault coverage pays medical expenses and lost wages for you and your passengers regardless of who caused the accident.

Find Your City in Kentucky

Louisville

urban

Lexington

urban

Bowling Green

suburban

Owensboro

urban

Covington

suburban

Georgetown

suburban

Richmond

suburban

Florence

suburban