Kentucky Auto Insurance Guide
Get affordable Kentucky auto insurance quote rates for free.
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Get affordable Kentucky auto insurance quote rates for free.
Call Now: (866) 845-3808
From Ashland to Paducah, Lexington to Louisville, Kentucky has thousands of miles of roadways. They’ll take you from downtown Frankfort to the Mammoth Caves, down the Mississippi and across the Cumberland Plateau. They’re used by over 3.5 million licensed drivers, who each travel about 11,000 miles a year. Along the way, Kentucky’s drivers are involved in thousands of traffic accidents every day, including many that result in serious injury or death. Wherever you live and drive in the Sunflower State, carrying adequate car insurance is both a legal requirement and commonsense protection. This is your guide to Kentucky’s basic vehicle insurance requirements and laws.
Kentucky state law requires you to carry a minimum amount of car insurance. Failure to do so can result in severe penalties that may include monetary fines and jail time. Kentucky is a no-fault state. That means your insurance will pay your injury claims up to a specified limit, regardless of who caused the accident. Under a no-fault system, you lose some of your rights to sue for damages.
The bare minimum car insurance requirement for Kentucky drivers is:
Kentucky does not require you to carry additional coverage such as uninsured and under insured motorist insurance or Collision and Comprehensive. However, if you own property and other valuable assets, supplementing the minimum requirements can help you protect yourself from monetary loss.
You are required by law to carry proof of Kentucky car insurance in your car and show it if a law enforcement officer asks to see it. Failure to do so carries a penalty of $500 or more plus court cost between $150 and $200 for a first offense. In addition, the state can cancel your registration.
Insurers in Kentucky are required to provide the state with a list of insured drivers. If the state does not receive notification that you have insurance, you will be sent a notice to provide evidence of coverage. If you do not provide it within 30 days, your registration will be canceled until you can provide proof.
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Vehicle insurance premiums are regulated by the Kentucky Department of Insurance. Insurance companies are allowed to charge premiums and award discounts based on a number of factors that can include:
Kentucky also allows insurers to consider your credit rating to determine your premium.
You may be able to lower the cost of your premiums in the following ways:
Laws regarding driving and car insurance can change frequently. It is your responsibility to stay current about the legal requirements in Kentucky. The following laws have recently been enacted in Kentucky and may affect your insurance coverage decisions.
Kentucky Department of Insurance
Kentucky Transportation Cabinet/Motor Vehicle Licensing