Auto Insurance in Kentucky

Vehicles in Kentucky must have liability auto insurance. Drivers must be prepared to show proof of insurance after any accident, during any traffic stop, or when they are registering a vehicle. You should always carry an insurance card or a copy of your policy in your vehicle.

If you are stopped by law enforcement and you cannot produce proof of insurance, you may be subject to penalties including loss of vehicle registration, suspension of license plate, fines up $1,000 and a possible jail sentence. Repeat offenses lead to even higher fines. This offense will also lead to your insurance company placing you in a “high risk” category that calls for higher premiums.

Minimum Liability Auto Insurance in Kentucky

There are minimum standards that apply to liability auto insurance in Kentucky. Your policy must at least cover:

- $25,000 bodily injury per person
- $50,000 total bodily injury per accident
- $10,000 total property damage per accident

Obtaining liability auto insurance is not enough in the State of Kentucky. Like some other states, Kentucky demands certain auto insurance extensions that better protect drivers while they are on the road. Read on to find out which extensions are required in Kentucky.

Uninsured/Underinsured Motorist Auto Insurance in Kentucky

Kentucky does not currently demand that drivers obtain UM/UIM coverage.

No-Fault Auto Insurance in Kentucky

Kentucky is a no-fault state, but it allows drivers to opt out. In order to opt out of the mandatory no-fault auto insurance, you need to obtain a special form from the Office of Insurance or your insurance company. This form gets filed with the Kentucky Office of Insurance.

Personal Injury Protection (PIP)

Personal injury protection is required in Kentucky. As a no-fault state, Kentucky demands that drivers who do not opt out of the requirement obtain PIP coverage that can pay for funeral expenses, medical costs, lost wages, and other damages resulting from an accident.

SR-22 Requirements

Most states require drivers to file an SR-22 document with the DMV before they can regain driving privileges that have been revoked. Kentucky drivers are not expected to complete this document in order to gain reinstatement.

Kentucky DUI Laws

Your penalties for a first time DUI offense in Kentucky depend on your level of blood alcohol content at the time you are tested. Here are the maximum penalties:

- Up to six months imprisonment
- $500-$1,500 fine
- $200 to $500 fine
- 30 to 120-day license suspension
- 90 day alcohol or drug treatment program
- 48 hours to 30 days community service

Additional Information about Auto Insurance in Kentucky

You can turn to to the Kentucky Department of Insurance for further information about auto insurance in Kentucky. They are available at (502) 564-3630 or www.insurance.ky.gov.