Kentucky is one of the few choice no-fault auto states. Learn about affordable workers' comp rates, unique auto rules, and key industry risks.
State Guides | 7 min read | 2026-03-15
Kentucky offers a rare insurance feature: drivers can choose between no-fault and traditional tort auto coverage. Combined with workers' comp rates 30% below the national median, the Bluegrass State presents a unique insurance landscape.
Kentucky employers benefit from affordable workers' compensation rates. The 2024 Oregon DCBS study ranks Kentucky's median rate at $0.76 per $100 of payroll, 41st out of 51 jurisdictions and 30% below the national median.
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