Personal Injury Protection (PIP) pays for your own medical expenses after an accident, regardless of who's at fault. In Kentucky, PIP is available as optional coverage that can speed up medical bill payments. It typically costs $15-$40/month and covers medical bills, lost wages, and funeral expenses.
(888) 217-6781PIP is sometimes called "no-fault coverage" because it pays out regardless of who caused the accident. Unlike liability insurance (which pays the other driver), PIP pays you and your passengers. This means faster medical care without waiting for an insurance determination.
| Feature | PIP | MedPay |
|---|---|---|
| Medical bills | ✅ Yes | ✅ Yes |
| Lost wages | ✅ Yes | ❌ No |
| Funeral expenses | ✅ Yes | ✅ Yes |
| Essential services | ✅ Yes | ❌ No |
| Typical cost | $15-$40/mo | $5-$15/mo |
| Insurance Company | 6-Month Premium | Monthly Cost |
|---|---|---|
| GEICO ⭐ | $888 | $148/mo |
| Kentucky Farm Bureau | $912 | $152/mo |
| Progressive | $996 | $166/mo |
| State Farm | $1,092 | $182/mo |
| Allstate | $1,332 | $222/mo |
Rates based on 2026 data for a 35-year-old driver with good credit and clean record. Your rate will vary.
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