Kentucky Auto Insurance regulations:

Kentucky is a "choice no-fault" state. This means a driver, you can choose to insure yourself under the tort system or the no fault system. Under either system, drivers in Kentucky are required to purchase both liability coverage and PIP coverage for their passengers who are not direct family members. Buying the basic PIP coverage, you forfeit your right to sue the other driver in an accident for the cost of injuries, unless the cost exceeds a certain level. Kentucky insurance companies will allow you to buy back that right (even though you carry PIP) for an increase in your premium.

Rates are determined by the driving habits of the drivers within a state. The state's liability minimums are 25/50/10. That is $25,000 per individual for bodily injuries you cause to the other persons, and up to $50,000 for all, and $10,000 for damage you cause to the other party's personal property. Kentucky determines auto insurance rates based on driving record, age, area you live in, and the type of vehicle you drive. You may want to consider higher coverages than the state minimums.