Kentucky requires its resident drivers to maintain auto insurance coverage that is equal to certain minimum requirements, which should not be construed as state-sponsored recommendations. Car insurance that meets your specific needs can only be determine by you, by taking into consideration your specific facts and circumstances. To find an affordable car insurance policy, you can use online tools to compare car insurance quotes. Keep in mind though, that Kentucky has no-fault insurance laws, which require that the driver’s insurance policy cover damages in the event of an accident, regardless of fault. Kentucky’s minimum requirements are: