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4+ years writing insurance and personal finance content
MBA from Roosevelt University
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Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
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Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
Updated
Non-owner car insurance in Kentucky is car insurance for drivers without a car. It may pay for medical bills or property damage you cause to others if you’re in an accident while driving a vehicle you don’t own.
For example, let’s say you borrow a friend’s car to run errands. If you rear-end another driver, your friend’s auto insurance will typically pay first. But if the injuries or damages exceed your friend’s coverage limits, your non-owner coverage acts as secondary coverage and covers the remaining costs.
Kentucky doesn’t require drivers to have non-owner auto insurance coverage. But it can protect you financially if you don’t own a car but frequently drive someone else’s vehicle.
Non-owner car insurance can also help you meet Kentucky’s minimum requirements, which are:[1] [2]
$25,000 per person for bodily injury liability
$50,000 per accident for bodily injury liability
$25,000 per accident for property damage liability coverage
$10,000 for personal injury protection
Another option in Kentucky is to buy a policy with a single limit of $60,000.
If you’re driving someone else’s car multiple times per month, it’s worth looking into a non-owner policy that meets the state’s minimum requirements.
Liability quotes start at $61/mo.
Kentucky doesn’t require non-owner car insurance, but it may be a good idea for some drivers. You might want to consider it if you:
Borrow cars from friends or family frequently
Rent cars and want to avoid buying rental car insurance from rental car companies
Want to maintain continuous coverage to avoid higher premiums down the line
Use car-sharing services
Non-owner insurance offers secondary coverage, meaning the car owner’s primary auto policy covers an accident you cause before your coverage applies. That might occur if their liability coverage isn’t enough to pay for all the damage.
An SR-22 is a form that proves you meet the minimum car insurance requirements in the state. Some states require you to file an SR-22 after a serious driving offense like driving under the influence (DUI) or reckless driving.
If you don’t own a car, buying non-owner coverage can help you fulfill an SR-22 requirement. Kentucky is one of the few states that doesn’t require an SR-22. Instead, the state requires drivers to complete an approved DUI treatment program and pay a reinstatement fee to restore driving privileges.[3]
Keep in mind that if you have a conviction for a serious driving offense in Kentucky but live in another state, your home state might require an SR-22.
Non-owner car insurance in Kentucky costs an average of $45 per month. That’s just $1 less than the national average of $46 per month.
A non-owner auto policy is also significantly cheaper than traditional insurance rates in the Bluegrass State, which average $121 per month for minimum liability coverage and $194 for full coverage.
Here’s a look at how non-owner car insurance rates in Kentucky compare to the national average.
Non-Owner Car Insurance | Average Monthly Cost |
|---|---|
| Kentucky average | $45 |
| National average | $46 |
Save up to $1,100 per year on coverage
Follow these steps to buy non-owner car insurance coverage in Kentucky:
Shop around. Not all car insurance companies offer non-owner insurance. Do your research to find a few insurers with the coverage you need.
Compare auto insurance quotes. Once you find Kentucky insurance companies that sell non-owner coverage, get a few car insurance quotes so you can zero in on the best deal.
Choose coverage limits. After you choose a car insurance company, pick your coverage limits. You may decide on the state’s minimum limits of 25/50/25 plus $10,000 in PIP coverage or opt for higher coverage limits.
Purchase your coverage. Once approved for a non-owner policy, pay your monthly premium to finalize your coverage.
Check out the answers to the questions below to help you decide if non-owner insurance in Kentucky makes sense for you.
No. You can’t insure a borrowed car in Kentucky. But if you frequently drive a friend or family member’s car, for example, you can buy non-owner auto insurance in the Bluegrass State. Non-owner coverage usually follows the driver, not the car.
Non-owner car insurance in Kentucky costs an average of $45 per month, according to Insurify data. But rates can vary based on factors like your location, age, driving history, and the coverage you choose.
No. Kentucky doesn’t require non-owner auto insurance. But it might be a good choice if you drive someone else’s car often, rent cars frequently, use car-share services, or want to maintain continuous insurance coverage to avoid premium hikes down the line.
Insurify data scientists analyzed more than 250 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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4+ years writing insurance and personal finance content
MBA from Roosevelt University
Featured in
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Featured in
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
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