Known as "The Bluegrass State," Kentucky is famous for its horse racing, bourbon, and of course bluegrass music. Put these things together and you have a good ole Kentuckian time.
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:
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:
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:
The card will include:
Violations, Fines & Penalties:
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:
Discounts : Yes
Discounts available in Kentucky:
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.