Kentucky- Auto Insurance

Drivers in Kentucky are required by law to carry liability and no-fault personal injury insurance. Anyone who fails to comply with state standards runs the risk of strict penalties and loss of a driver’s license.

Guidelines

  • In regards to liability insurance, in Kentucky you must carry at least $10,000 for property damage, $25,000 for injury to a single person and $50,000 for injury to more than one person in an accident.
  • You also must carry no fault personal injury insurance, which must be at least $10,000 of coverage. The “no fault” concept means that your policy will pay up to the amount covered, no matter which driver caused the accident.

Contact:

Kentucky Office of Insurance
215 West Main Street
Frankfort, KY 40601
Phone Toll Free: 1-800-595-6053

Kentucky (KY) Mandatory Auto Insurance Minimums:

  • Liability: 25/50/10 = Bodily Injury Individual/Bodily Injury Total Per Accident/Property Damage
  • Other Mandatory Insurance: Personal Injury Protection — No Fault State
  • Regulations Regarding Proof of Insurance: Proof Required – When Obtaining Registration, If Involved In An Accident, If Stopped By Authorities When Driving
  • Penalties For Not Carrying Mandatory car insurance: Fine up to $1000 plus jail term of up to three months

Inside Kentucky- Auto Insurance