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Auto Insurance Requirements In Kentucky

Kentucky Auto Insurance 

According to the Kentucky state law, all motorists applying for vehicle registration in Kentucky are required to have valid vehicle liability insurance.

This insurance helps cover the costs of damages or injuries you may have inflicted on others if you are responsible for an accident. You must carry evidence of insurance in your vehicle at all times. While this is the minimum amount as required by law, drivers are strongly urged to consider higher limits.  It’s also important to note that, while Kentucky law does not require you to have collision and comprehensive coverages, you may have to purchase both as part of your car’s finance or lease agreement.

Car Insurance Policy Requirements in the Kentucky

Kentucky law mandates that every automobile insurance policy sold in the state must have these minimum coverages:

  • Liability Coverage of at least  $25,000.00 for all claims for bodily injury damages sustained by any one person. 
  •  Bodily Injury Coverage $50,000.00 for all  damages and injuries sustained by all persons as a result of any one accident.
  • $25,000.00 for all property damage as a result of any one accident.

Alternatively, a policy with a single limit of $60,000.00 is acceptable. The policy must also provide basic reparations benefits, unless the insured vehicle is a motorcycle.

Penalties and Violations

According to the website, if you are caught driving without insurance in Kentucky, your vehicle registration will be revoked according to statute. In addition, the vehicle owner as well as the vehicle driver are subject to a fine of $500.00 to $2,500, up to 90 days in jail, or both. Owners and drivers shown to have been without insurance will receive notices that registrations for their vehicles will be canceled if they do not obtain required insurance or show proof of existing insurance.  

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