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• KY Auto Insurance
• Kentucky Insurance Laws

Auto Insurance Requirements in Kentucky

Purchase Liability Insurance in Kentucky

Before registering and operating your vehicle, you will need to buy liability insurance so you can prove you’ve established financial responsibility for your vehicle.

Establish Financial Responsibility

To show financial responsibility to the DMV all you need to do is purchase a liability insurance policy that meets Kentucky requirements. You can purchase it from any one of the carriers on our website. Simply run an estimate and select from one of the popular insurance providers.

Kentucky Liability Insurance Requirements for Private Passenger Vehicles

To register and legally operate your vehicle, you must meet the state’s financial responsibility requirements with adequate liability and no-fault personal injury coverage.

Kentucky Liability Insurance Law Coverage

Liability coverage provides financial protection when another party’s property becomes damaged or another person becomes harmed.

• $25,000 of bodily injury liability per person in an accident

• $50,000 for all bodily injuries per accident

• $10,000 pf property damage liability per accident

Before you purchase an insurance policy, or make changes to your current coverage, be sure to research the variety of other types of coverage available. Liability coverage meets state requirements, but it might not offer the amount of coverage you want (or your lienholder requires).

No-Fault Coverage

Regardless of who is at fault for the accident, no-fault personal injury coverage provides up to $10,000 of financial compensation when an injured person accrues medical expenses, loses wages, or needs replacement services.

Some drivers opt to avoid purchasing no-fault coverage because having it limits the driver’s right to sue the at-fault party. To learn more about avoiding no-fault coverage, contact the Kentucky Office of Insurance (KOI) or your insurance agent.

Proof of Insurance and Financial Responsibility

Thanks to electronic reporting, proof of your financial responsibility is on record; however, in addition to carrying your insurance card in your vehicle at all times, you must still provide proof of insurance each time you renew or transfer a vehicle’s registration.

Fines for Not Having a Kentucky Insurance Policy

If you do not have proof of insurance you may face heavy fines, so be sure to run a Kentucky Auto Quote, the rates may be lower than you think.

Kentucky’s Department of Insurance at (800) 595-6053 and Division of Motor Vehicle Licensing at (502) 564-5301 can answer questions you might have about purchasing liability and no-fault insurance, as well as paying your particular fines and other steps to reinstating your license and registration.