Kentucky Auto Insurance
In Kentucky, motorists are required to carry a minimum of $25,000 per person and $50,000 per accident in Bodily
Injury Liability Coverage, which helps pay medical expenses for the other driver in which the insured was at
fault. Kentucky also requires a minimum of $25,000 in Property Damage Liability (PDL) insurance, which covers
repairs or replacement of a vehicle damaged in a collision caused by the insured. Neither BIL or PDL pays for
bills incurred by the insured for medical expenses or vehicle damage. While these are the minimum requirements,
motorists may want to purchase additional insurance to protect their assets in case of a serious crash.
Kentucky requires each motorist to carry Personal Injury Protection (PIP) insurance of $10,000. This helps pay
the medical expenses of the insured and any passengers injured in an accident. The state does not mandate
collision or comprehensive insurance coverage, but if a vehicle is leased or financed the lender will likely
require this insurance.
Kentucky does not require the purchase of uninsured or underinsured motorist insurance, but it is a good idea to
buy such coverage since uninsured motorists are an issue in the state.
The Kentucky Legislature has made cracking down on uninsured motorists a priority. Vehicle owners without
insurance will receive notices that their vehicle registrations are cancelled if they do not obtain insurance or
prove they are insured. As per the state government website, “The mandatory insurance initiative is aimed at
plugging an enforcement gap that enables drivers to skirt the law by dropping coverage once their vehicles have
been registered.” Owners failing to maintain insurance are not only subject to registration revocation, but the
vehicle owner and the vehicle driver are subject to a fine of $500 to $1,000, up to 90 days in jail, or both.
Second offenses bring substantially higher penalties, with fines of up to $2,500 and 180 days in jail, or both.
SR-22 Insurance in Kentucky
Unlike many states, Kentucky does not require those convicted of DUI and other serious traffic offenses to file
an SR-22 form, a certificate of financial responsibility. Those convicted of serious motor vehicle violations
can expect their insurance premiums to rise substantially once driving privileges are restored.
Kentucky Driver Statistics
Perhaps best known for racehorses, bluegrass music and bourbon, Kentucky’s other major industries include
agriculture; manufacturing; mining of coal, natural gas and oil, and service businesses and professions.
Government services, including military bases, are major sources of employment in the Bluegrass State. The
healthcare industry is another significant employer. Much of the state is rural and mountainous, with scenic
Kentucky was the 15th state to join the U.S. Although located in the Southeast, Kentucky was among the border
states that did not secede during the Civil War.
Approximately 4.4 million people call Kentucky home, and just over 3 million of them have drivers’ licenses.
Sixteen percent of Kentuckians are over 65, and the mean travel time to work for all ages is 23 minutes.
Kentucky Auto Insurance & Accident Facts
In 2018, 704 people lost their lives on Kentucky roadways, a significant decline from the 779 who died the
previous year. Of those dying in 2018, 259 were not wearing a seatbelt at the time of the crash, according to
the Kentucky State Police. Seventy-five of the deaths occurred in Jefferson County-home of the state’s largest
city, Louisville -followed by 33 deaths in Fayette County and 23 deaths in Hardin County. Many of the state’s
rural counties reported one or two deaths.