Tennessee
25/50/25
$25,000 per person and $50,000 per accident for injuries, plus $25,000 for property damage.
Kentucky insurance
Kentucky car and home insurance, from just across the Gap.
Our Harrogate office sits a few miles from Middlesboro. We're licensed in Kentucky and quote car and home coverage for households in Bell County and the rest of southeastern Kentucky.
Kentucky rules differ from Tennessee's.
Kentucky is a choice no-fault state. Your auto policy includes personal injury protection unless you reject it in writing, and that choice affects how you collect after a crash.
Kentucky homeowners in coal counties face another question. Bell, Harlan, Knox, and Whitley are among the 37 counties where insurers must offer mine subsidence coverage through the state's Mine Subsidence Insurance Fund.
Kentucky auto minimum
What Kentucky requires on your car.
We compare these with Tennessee and Virginia because many families here drive across all three every week.
Kentucky
25/50/25+ PIP
The same liability limits plus $10,000 of personal injury protection, which you can reject in writing.
Virginia
50/100/25
Raised on January 1, 2025, with uninsured and underinsured motorist coverage at matching limits.
Limits shown as bodily injury per person / per accident / property damage. Confirm current requirements with your state before you rely on them.
Coverage
What we quote in Kentucky.
A quote request does not bind, change, or cancel coverage. Campbell Insurance will confirm details in writing before any coverage action is taken.
Kentucky auto insurance
We quote liability, personal injury protection, comprehensive and collision, and uninsured motorist coverage with the carriers we represent in Kentucky.
- 25/50/25 liability minimum
- Personal injury protection choices
- Uninsured motorist
- Comprehensive and collision
Kentucky home insurance
We price dwelling, contents, and liability coverage and check your rebuild limit against current costs.
- Replacement cost
- Roof and construction
- Liability
- Flood options
Mine subsidence coverage
In participating counties, Kentucky law requires your insurer to offer a mine subsidence endorsement. Ask us before you decline it.
- Bell County
- Harlan, Knox, and Whitley counties
- State fund coverage
- Endorsement on your home policy
Questions
Common questions.
What is the minimum car insurance in Kentucky?
Kentucky requires 25/50/25 liability plus $10,000 of personal injury protection. You can reject PIP in writing, which changes how your own injuries get paid after a crash.
Can a Tennessee agency insure my Kentucky home or car?
Yes, when the agency holds a Kentucky license. Campbell Insurance is licensed in Kentucky and quotes Kentucky policies from our Harrogate office.
Do I need mine subsidence insurance in Bell County?
Bell County participates in Kentucky's Mine Subsidence Insurance Fund, so your insurer must offer the coverage. Homes near old underground mines carry the most risk, and we can help you weigh it.
Ready to compare?
Tell us what you need to protect.
Start your quote online, or request follow-up from our team by phone or email.