Kentucky Teen Driver Insurance Guide for Parents
Kentucky requires 25/50/25 liability coverage and is a no-fault state.
Compare Teen Driver Insurance RatesKentucky 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
Teen drivers in Kentucky progress through a graduated licensing system: learner's permit at age 16 (held for 180 days with 60 supervised hours), intermediate license at 16 (with passenger and curfew restrictions until age 17), and unrestricted license after 180 days on the intermediate license. Kentucky law mandates that insurers offer good student discounts to teen drivers who maintain at least a B average or equivalent, making this one of the few legally required discounts in the state.
Liability Insurance
Uninsured Motorist Coverage
Collision Coverage
Comprehensive Coverage
Full 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
- Adding a teen to a parent's policy is almost always cheaper than a standalone policy in Kentucky until the teen reaches age 21–23 with a clean driving record, because bundling discounts and multi-car rates offset the teen driver surcharge
Find the Right Policy for Your Teen
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
Higher Liability Limits for Teen Drivers
Kentucky's 25/50/25 minimum leaves parents exposed if a teen driver causes a serious accident. Most families with teen drivers carry 100/300/100 or 250/500/100 liability limits.
Uninsured Motorist Protection
Covers medical bills and vehicle damage if a teen driver is hit by an uninsured or underinsured driver, which is common in Kentucky where UM coverage is optional.
Collision Coverage for Teen-Driven Vehicles
Pays to repair or replace the teen's vehicle after an at-fault accident, which is statistically likely during the first two years of driving in Kentucky.
Comprehensive for Theft and Animal Strikes
Covers non-collision damage including theft, vandalism, weather, and animal strikes, all common for teen drivers parking at Kentucky schools or driving rural routes.
Good Student Discount (State-Mandated)
Kentucky law requires insurers to offer discounts to teen drivers who maintain at least a B average or 3.0 GPA, verified by report card or school transcript.
Telematics and Usage-Based Insurance
Smartphone apps or plug-in devices monitor teen driving behavior (speed, braking, acceleration, nighttime driving) and offer discounts for safe habits, typically 15–30% for teens.