Kentucky Car Insurance Laws and Regulations
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Kentucky Auto Insurance

Requirements of Motorists under KY State Law

Everyone has an opinion about insurance. Some people believe it is a conspiracy to con hardworking people out of money. You can not imagine how much you need insurance until you something happens that you were not prepared for.

Weather its a car accident, a flu, a fire,or a theft these things happen all the time. You never know if or when something might happen to you. Don't be caught off guard by life's unpredictable events.

There are certain "requirements" that are applicable to each state and varies accordingly. We have attempted to compile all of the relevant information in to this single resource to help visitors know what is expected of them in regards to insurance.

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Kentucky Car Insurance Requirements

Coverage Minimum - 25/50/10

Coverage Explanation - Car insurance coverage in Kentucky must provide a minimum of $25,000 for injury liability for one person in an accident, $50,000 for all injuries in an accident, and $10,000 for property damage in an accident.

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Important Kentucky Auto Insurance Laws!

1. All motor vehicles registered or operated in KY must be covered by liability insurance and basic no-fault personal injury insurance.

2. Drivers must keep their insurance card as proof of insurance in their motor vehicle at all times.

Important to Note:

No-fault coverage pays up to $10,000 for medical expenses, lost wages, and replacement services if one is injured in an automobile accident regardless of who may have been at fault. Although only $10,000 coverage is mandatory under Kentucky auto insurance law, higher limits of coverage may be purchased.

In accordance with Kentucky auto insurance law, if you decide to reject no-fault personal injury coverage and limitations on your right to sue or be sued, your rejection must be in writing on a special form established by the Kentucky Department of Insurance and filed with the Department of Insurance.


Failure to carry insurance is a criminal offense. The penalties include fines, loss of license plates, and loss of operator's license.


An alternative to the 25/50/10 "split limit" arrangement is to purchase a "single limit" policy which has a limit of liability of at least $60,000.

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