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Kentucky Car Insurance (KY)

Kentucky Car Insurance

The owner or operator of a vehicle must have minimum liability coverage:
- $25,000 per person for Bodily Injury;
- $50,000 per accident for Bodily Injury;
- $10,000 per accident for Property Damage;

Insurance required:
- Bodily injury liability;
- Property damage liability;
- Personal Injury Protection;

Proof of insurance required:
- At registration (YES)
- At time of accident (YES)
- At all times in vehicle (YES)

(I.I.I.) recommends you carry $100,000 of bodily injury protection per person and $300,000 per accident.

Kentucky Car Insurance Requirements, Rules and Laws: Toeing The Line in Insurance

You cannot drive in Kentucky or anywhere else in the United States without adequate car insurance coverage. Even if you might think of it as an expense, it is an expense that you really cannot do without. It is actually an expense that you will be thankful for in the event that you get into an accident either through your own fault or through the fault of another. There are varying rules across the different states. Kentucky car insurance requirements, rules and laws may have different limits from those of other states.

At the very least, you have to be insured for bodily injury liability and property damage liability. The minimum for bodily injury is $25,000 per person. You have to take out a coverage for a minimum of 2 persons or a maximum limit of $50,000 per incident. The property damage liability minimum, on the other hand, is $10,000. This is the basic coverage, otherwise known as a 25/50/10 coverage, that is required under Kentucky car insurance requirements, rules and laws. Unlike other states, there is no coverage required for uninsured or underinsured motorist bodily injuries. You can, however, get a more comprehensive coverage if you wish to.

One other difference Kentucky car insurance laws have in as far as coverage is concerned is that you can reject the no-fault system options. You can opt to get a personal injury protection of a minimum of $10,000 under the no-fault system. By doing this, however, you waive the right to sue another party in a personal injury claim in case you get into an accident through no fault of your own. Bear in mind that the more benefits and the higher the limits are in your car insurance policy, the higher your premiums are. If you are on a budget, you can ask your insurer for suggestions on how you can tweak your coverage to get the most benefits at the least amount of premium. You will find that when you have higher deductible amounts, your premiums will decrease. Deductible amounts represent the amount that you have to shoulder in the accidental injury or damage before your insurance coverage kicks in. Those who hold a relatively low risk of getting into accidents would normally opt for a higher than normal deductible amount to lower their premiums. You might also find that if you have a riskier profile, you are not likely to get the lowest premiums on your car insurance. Your only option is to scout around for the insurance company that will be able to give you the lowest amount possible given your driving profile.

Enter Your Zip Code to Find Insurance Quotes in Kentucky:

Kentucky Department of Insurance

  • 215 W. Main St.
  • Frankfort, Kentucky 40601
  • Phone: (800) 595-6053

Kentucky Department of Transportation

  • 200 Mero St.
  • Frankfort, KY 40622
  • Phone: (502) 564-6800
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