Kentucky Car Insurance Info

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General Kentucky Insurance Guidelines

Kentucky currently requires that all drivers be covered under liability insurance. Proof of insurance must always be accessible in the vehicle. Kentucky drivers are required to show their insurance info when stopped for a traffic violation or when registering a vehicle.

Minimum Liability Coverage in Kentucky

Kentucky's minimum liability amounts are as follows:

  • $25,000 bodily injury per person.
  • $50,000 total bodily injury per accident.
  • $10,000 total property damage per accident.

These are only the minimum requirements set by the state. Experts advise protecting your assets by getting more coverage than the state-mandated minimums as these limits tend not to keep pace with the ever increasing costs of car repairs and medical bills. Most drivers also add collision and comprehensive coverage to their policies to cover possible damage to their own cars as well.

Penalties for Driving without Insurance

The penalties for driving without insurance in Kentucky are:

  • Registration revoked
  • If caught driving, $500-$1000 fine and 90 days in jail, or both, plus suspension of plates
  • Put in "high-risk" category by insurance company and premiums may go up

Uninsured/Underinsured Motorist Coverage

Some states require drivers to carry UM/UIM, or uninsured/underinsured motorist coverage. This coverage protects a driver if they get in an accident where the other party does not have auto insurance. Kentucky does not require UM/UIM coverage.

No-Fault Insurance

Some states have “No-Fault” laws where a policyholder will be reimbursed by their insurance company without proof of fault, and restricted in the right to seek reimbursement through the court system for losses caused by other parties. Kentucky is a “No-Fault” state.

Personal Injury Protection (PIP)

Some states have Personal Injury Protection or “PIP” regulations requiring drivers to carry PIP insurance. This is an extension of auto insurance that covers medical expenses, lost wages and/or other damages. Kentucky requires drivers to purchase PIP insurance. The minimum PIP coverage amounts for Kentucky are

SR-22 Requirements for Kentucky

An SR-22 form is a vehicle liability insurance document to be filed with a state’s DMV as proof that a driver has the minimum required liability insurance coverage for that state. SR-22 filings are usually only required to reinstate driving privileges after an offense such as a DUI conviction, uninsured auto accident or driving without insurance. Kentucky does not require an SR-22 filing for driver’s license reinstatement.

Kentucky DUI Laws

It is illegal to operate a motor vehicle in the United States with a BAC (Blood Alcohol Content) level of 0.08% or higher. All states have driver licensing laws that state that a licensed driver has given implied consent to a field sobriety test and/or method of determining BAC. This means that a driver is required to take such tests if a law enforcement officer has reasonable grounds for administering one, with automatic penalties for refusing to comply. If BAC is determined to be above the legal level a driver will be penalized in various ways. The first DUI offense penalties for Kentucky are:

  • Imprisoned up to 6 months
  • $500 - $1,500 fine
  • Mandatory 4-day imprisonment for aggravated DUI
  • 30-day to 120-day license suspension
  • 90-day alcohol or drug treatment program
  • 48 hrs to 30 days community service

Additional Information on Insurance for Kentucky

For more information, please contact Kentucky Department of Insurance: 1-502-564-3630 or visit their website at insurance.ky.gov.

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