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Kentucky State Minimum Car Insurance Requirements and Laws (2021)
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Driving uninsured is simply not worth the risk in the Bluegrass State, especially if you can get the required insurance coverage in under five minutes—and save an average of $489 a year on it.
Driving without auto insurance is illegal under Kentucky law . And doing so has serious consequences. In addition to having to cover any car accident damages and medical bills out of pocket, you’d also face high legal fines and potential jail time if you are caught driving uninsured .
Getting Kentucky car insurance doesn’t have to take hours of your time or break the bank. Use Insurify to compare real-life car insurance quotes from dozens of insurance companies in just a few clicks and unlock big savings.
You can’t drive a car in Kentucky without carrying the minimum required coverage.
When you’re registering your vehicle with the Kentucky Transportation Cabinet or renewing your registration, you will be asked to verify your insurance status. And if you’re pulled over, you will need to show proof of insurance .
So remember to carry a paper copy or an electronic version of your insurance ID with you when you’re driving.
The Kentucky Motor Vehicle Reparations Act requires all drivers to carry bodily injury liability , personal injury protection ( PIP ), and property damage liability insurance policies to drive legally in the state of Kentucky .
To satisfy coverage requirements , your Kentucky auto insurance needs to cover certain amounts in damages. The minimum coverage amounts to drive legally under Kentucky state law are the following:
Keep in mind that if you’re leasing or financing your car, your lender may require you to carry collision, comprehensive, and/or gap insurance in addition to the minimum auto insurance requirements .
Technically, Kentucky is a “choice no-fault” state, and you can decline the personal injury protection ( PIP ) coverage. This means that you’d have to sue the at-fault driver to get compensation for personal injury sustained during an accident, and your liability premiums may be higher.
If you carry personal injury protection ( PIP ) coverage, then you are practically driving in a no-fault state and are entitled to personal injury protection regardless of who caused the accident.
The required minimum coverage in Kentucky provides you with an auto insurance coverage foundation, but it doesn’t mean that it’s enough for most drivers. In fact, it probably isn’t.
The required car insurance policy only protects you (and not the other driver) in case of personal injury, and only up to $10,000 in damages. This is a relatively small minimum amount , not to mention that it doesn’t cover any damages to your car.
If you want to feel more confident behind the wheel and drive knowing that you will be protected in any situation, consider adding more coverage to your policy.
Supplementing your required insurance policy with additional coverage will make your insurance premiums go up, but it will also protect you against high out-of-pocket expenses in the future.
According to the Insurance Information Institute , you should get at least three quotes from different insurance companies to find the best deal. Use a comparison tool like Insurify to get 10+ car insurance quotes from insurers in Kentucky in one place and keep your insurance premiums down.
It is illegal to drive uninsured in Kentucky , and you are required to carry at least the minimum insurance. And, of course, you can always choose to get more coverage.
If a traffic official asks you to pull over and catches you driving without car insurance , you will face serious consequences. Additionally, if you allow your policy to lapse, the Kentucky Transportation Cabinet regularly monitors all registered vehicles in the state to make sure that they have the minimum required coverage.
If it is your first offense for driving uninsured , you can expect the following penalties:
If the Kentucky Transportation Cabinet finds out that you are uninsured or that your policy has lapsed, they will send you an Uninsured Notice. You have to show proof of insurance within 30 days or the same penalties will apply to you.
Fines and penalties increase dramatically after your first offense. For your second and subsequent offenses, you can expect the following consequences:
If you show proof of insurance after you’ve been convicted, the court may grant you a conditional discharge or penalty reduction, but there is no guarantee. You will also be responsible for all the reinstatement and court fees.
The state of Kentucky does not require an SR-22 or an FR-44 to reinstate your insurance. In other states, these forms prove that you carry the minimum auto insurance coverage required by state law and are necessary to get back on the road.
To reinstate your insurance in Kentucky , you need to appear in court and show that you’ve purchased an insurance policy that adheres to the minimum coverage requirements and will be valid for at least six months.
You will also need to pay the $40 reinstatement fee and any outstanding administrative/court fines and retake your driving exams if your license has been suspended for over a year.
Once driving uninsured is on your driving record , it can become challenging to get insured. You will likely see higher car insurance rates , and some insurance companies may even refuse to sell you an insurance policy .
Instead of spending hours researching insurance companies and answering the same questions to check your eligibility and get a quote over and over again, use Insurify to easily compare dozens of personalized quotes in one place fast.
There are also optional add-ons to your car insurance policy that you may consider if you want fuller protection.
Being safe on the road does not have to cost too much of your money and time. Use AI-powered Insurify to get side-by-side real-life quotes from 10+ companies to find the best coverage at the lowest price in just a few minutes.
Yes. As a Kentucky driver, you are required to carry the minimum liability and PIP coverage. Driving uninsured can result in serious penalties and even jail time. You will also have to pay much higher insurance rates when you try to get insured later. Use Insurify to compare live, personalized quotes and get all discounts in one place.
Technically, Kentucky is a “choice no-fault” state, which means that you can decline PIP coverage and carry only liability coverage instead. In this case, you will be able to sue the at-fault driver for your personal injury damages. Keep in mind that if you reject the no-fault coverage, other drivers will be able to sue you as well, and your liability premiums may be higher.
To drive legally in Kentucky, you must show proof of financial responsibility. In other words, you need to show that you have enough funds to cover the damages if you cause an accident. Getting the required car insurance coverage is the easiest and cheapest way to do that. Use Insurify to compare dozens of car insurance quotes in one place and unlock an average of $489 a year in savings.
The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.
Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews.
With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.