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Kentucky Car Insurance Information

Requirement : Yes

Car insurance is required in Kentucky . Drivers must have a minimum of liability coverage.

Minimum Coverage Car Insurance Requirements:

A minimum liability insurance policy is required:

    • $25,000 for bodily injury to one person.
    • $50,000 for bodily injury per accident.
    • $10,000 for property damage liability per accident.
    • * New Kentucky residents must have minimum state coverages within 15 days of establishing residency.

Other Car Insurance Coverage Options:

Liability coverage is the only requirement for Kentucky motorist to have, there are several other types of coverage available to drivers:

  • Personal Injury Protection (PIP) – No-fault insurance helps with certain costs resulting from a car accident, no matter who’s at fault.
    • Should you be covered by PIP, you accept limits on your right to sue or be sued in the case of an accident.
    • An injured party may not sue for:
      • Medical expenses
      • Loss of wages
      • Pain & suffering
      • Other related costs
      • EXCEPT: You may be able to recover expenses should injuries exceed certain thresholds.
    • Should you not agree to the right to sue clause, you forfeit your right to PIP coverage.
  • Collision – Covers damages to your vehicle due to an accident.
  • Comprehensive – Covers damages due to your non-accident related damages to your car, such as inclement weather.
  • Uninsured/Underinsured motorist coverage – Covers you in case you’re involved in an accident with an uninsured party, or they don’t have adequate coverage.

  • Note: Comprehensive and or collision coverage is optional, unless the vehicle is being financed or leased, the lending/leasing agency may require you to purchase comprehensive and collision coverage.

Other Forms of Financial Responsibility:

Other legal ways around buying car insurance include: There are no alternative forms of financial responsibility. Kentucky requires all drivers to have minimum coverage.

Proof of Insurance: Yes

You must carry proof of insurance and registration with your vehicle at all times.

Valid forms of proof of financial responsibility include:

  • Insurance card.

The card will include:

  • Vehicle’s information:
    • Make
    • Model
    • Year
    • Safety Rating
    • Value
  • Your policy name & name of any other drivers insured under the policy.
  • The policy term’s expiration date.
  • A new policy card will be provided every time you renew your car insurance policy.

Insurance Violations:

Violations, Fines & Penalties:

  • Should you be found operating a vehicle without the mandatory minimum insurance coverage, you face:
    • $1,000 maximum fine.
    • 90 day maximum jail time.
    • Suspension of license plates.
    • Being registered under the “high-risk” driver category

Credit Scores & Determining Your Insurance Premium :

All Kentucky drivers are required to have car insurance, however, insurance providers are reserved the right to deny coverage to high-risk drivers. High-risk drivers who are unable to find coverage may be eligible to apply for car insurance through the Kentucky Automobile Insurance Plan.


Other factors that may be used to determine your premiums include:

  • Age
  • Credit history
  • Driving history
  • Make, model of car
  • Neighborhood or city of residence
  • Vicinity of nearest hospital
  • Local auto repair rates

Discounts : Yes

Discounts available in Kentucky:

  • Anti-theft discount
  • Good driver discount
  • Good student discount
  • Multi-policy discount
  • Anti-theft device discount
  • Low mileage discount

Cellphone Use:

Drivers under the age of 18 are banned from all cellphone usage. All drivers are banned from texting while driving. Cell phone and texting violations are considered primary offenses. Violators face a $25 fine plus court costs.

Kentucky Minimum Coverage Laws

Carriers in Kentucky

Full Insurance Laws for Kentucky