Comparing 20+ carriers to protect Lexington, Nicholasville & Central KY drivers.
Auto Insurance for Lexington & Nicholasville, KY Drivers
The right coverage at the right price — for every driver in your household.
Every driver on Kentucky roads faces real financial risk. A single accident can result in thousands — or hundreds of thousands — of dollars in medical bills, vehicle repairs, and legal costs. At Nova Insurance Group, we help drivers throughout Central Kentucky find auto insurance that meets Kentucky’s state requirements, protects their assets, and fits their budget.
We serve drivers in Lexington, Nicholasville, Jessamine County, Richmond, Berea, Danville, Harrodsburg, and throughout Central Kentucky.
Kentucky Auto Insurance Requirements
Kentucky is a “choice no-fault” state. Every registered vehicle in Kentucky must carry at minimum:
- Bodily Injury Liability: $25,000 per person / $50,000 per accident
- Property Damage Liability: $25,000 per accident
- Personal Injury Protection (PIP): $10,000 minimum
These are legal minimums — not financial protection. We strongly recommend higher limits to protect your savings, home equity, and other assets in a serious accident.
Auto Insurance Coverage Options We Offer
- Bodily Injury Liability — Pays for injuries you cause to others in an at-fault accident. Limits should reflect your net worth, not just the state minimum.
- Property Damage Liability — Covers damage your vehicle causes to other vehicles, fences, buildings, or other property.
- Personal Injury Protection (PIP) — Covers your medical bills, lost wages, and essential services regardless of fault. Required in Kentucky.
- Uninsured/Underinsured Motorist (UM/UIM) — Approximately 1 in 6 Kentucky drivers is uninsured. UM/UIM coverage protects you when hit by a driver with no insurance or insufficient coverage.
- Collision Coverage — Pays to repair or replace your vehicle after an accident, regardless of fault.
- Comprehensive Coverage — Covers theft, vandalism, fire, hail, flooding, deer collisions, and other non-collision damage.
- Rental Reimbursement — Covers a rental vehicle while yours is being repaired after a covered loss.
- Roadside Assistance — Towing, flat tire, jump-start, and lockout services.
Why Choose Nova Insurance Group for Auto Insurance?
As an independent agency, we compare auto insurance rates and coverage from more than 20 carriers to find your best option — not whatever one company offers. We review your driving record, vehicles, household drivers, and goals to make sure you have the right protection at a fair price. Rated 5.0 stars by our Central Kentucky clients.
Which insurance solution is right for your family?
Explore how having the right insurance can protect you from the unexpected.
Bodily Injury Liability Coverage
Risk Factor
It’s easy to get distracted while driving. All it takes is an incoming text message, a fussy baby, or changing the radio station and your eyes are off the road long enough to crash into the slowing vehicle in front of you. As an owner/operator of the vehicle, you may be held financially responsible for any bodily injuries caused as a result of the accident.
Solution
Bodily injury liability covers your legal liability for a covered accident that involves injury to another person, up to the limit of liability you select. Purchase enough coverage to protect your assets should a claim be brought against you or if you are sued. You should also consider purchasing an excess liability policy which may provide additional limits of liability.
Property Damage Coverage
Risk Factor
When involved in an auto accident, you and your family may be financially responsible for any damage caused by your vehicle to someone else's property. The amount required, if any, can vary by state.
Solution
The property damage portion of your auto insurance policy protects you if your car damages someone else's property, such as another car, a fence, or a building. In some instances, you may be able to choose your coverage limit, or it may be a standard amount dictated by the insurer or local laws.
Medical Payments Coverage and Personal Injury Protection
Risk Factor
Depending on the severity of the injuries suffered in an automobile accident, whether caused by you or by the other vehicle, it's not uncommon for healthcare costs to run into the thousands of dollars, with a large portion being out-of-pocket expenses not covered by your health plan.
Solution
Medical payments coverage or Personal Injury Protection, depending on where you live, can help cover some medical expenses and funeral expenses of covered drivers and passengers after an accident. The exact requirements, limits, and coverage can vary by state, so it's important to understand what's required where you live.
Uninsured / Underinsured Motorist Damage Coverage
Risk Factor
What happens when the driver who hit you doesn't have enough liability coverage? Or, even worse, they take off? Research has shown that this happens more than you might expect. If you’re in a collision with someone who is uninsured or underinsured, you can be left to pay out-of-pocket for damages and medical expenses not covered by the other driver.
Solution
Uninsured/underinsured motorist damage coverage may compensate you for bodily injury and lost wages caused by an uninsured motorist, a hit-and-run driver, a driver whose automobile insurance company is insolvent, or a driver who has not purchased enough coverage to pay for damages.
Physical Damage Coverage
Risk Factor
Your automobile can be a fairly costly investment – one that is exposed to many potential losses caused by weather related events, theft, and other circumstances that may be out of your control.
Solution
Physical damage coverage can protect your vehicle if it is damaged in an accident (collision coverage), is damaged by something other than a collision (comprehensive coverage) with a vehicle or object or if your vehicle is stolen. This coverage is optional if your vehicle is paid in full, but it is coverage you should consider if you want to fully protect your vehicle.
Rental Coverage / Loss of Use
Risk Factor
When your vehicle is being repaired or replaced due to a covered loss, you may have to rent a vehicle to get you to and from your daily responsibilities without any interruption. Vehicle rental can get expensive, especially over an extended period of time.
Solution
Rental coverage/ loss of use is an inexpensive option you can add to your auto insurance policy to pay for the cost to rent a temporary replacement vehicle or the cost of public or private transportation if your vehicle is ever in an accident. This coverage is available in a variety of daily limits.
Frequently Asked Questions: Auto Insurance in Kentucky
What is the minimum auto insurance required in Kentucky?
Kentucky requires all drivers to carry at least $25,000/$50,000 in bodily injury liability, $25,000 in property damage liability, and $10,000 in Personal Injury Protection (PIP). Kentucky is a “choice no-fault” state, meaning drivers can opt out of the no-fault system in writing.
Is Kentucky a no-fault auto insurance state?
Yes, Kentucky operates under a “choice no-fault” system. By default, your own PIP coverage pays your medical bills after an accident regardless of fault. Drivers can reject PIP coverage and the no-fault system in writing, restoring full tort rights.
How can I lower my car insurance rate in Kentucky?
Common ways to reduce your premium include: bundling home and auto, maintaining a clean driving record, increasing your deductible, completing a defensive driving course, enrolling in a usage-based program, and shopping multiple carriers (which we do for you at no cost).
What happens if I’m hit by an uninsured driver in Kentucky?
If you carry Uninsured Motorist (UM) coverage, your own policy will pay for your injuries and vehicle damage caused by an uninsured or hit-and-run driver. This is why we strongly recommend UM/UIM coverage even though it’s technically optional in Kentucky.
Does auto insurance cover a rental car in Kentucky?
Your auto insurance typically extends collision and comprehensive coverage to a rental car. Rental reimbursement coverage specifically covers the daily cost of a rental while your own vehicle is being repaired after a covered loss.
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As an independent agency, we offer multiple options at competitive prices.
