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Auto Insurance Requirements in Kentucky

All Kentucky drivers must establish financial responsibility by purchasing liability and no-fault insurance from a company authorized to sell insurance in Kentucky. It must meet the following minimum insurance requirements:

  • Bodily injury per person: $25,000
  • Total bodily injury coverage per accident: $50,000
  • Property damage liability per accident: $10,000

Because Kentucky is a no-fault state, drivers are advised, but not required, to purchase no-fault auto insurance coverage (also referred to as "no-fault personal injury protection" or "PIP") that provides up to $10,000 in medical coverage, wage loss and replacement value.

Some drivers, though, opt to forego this no-fault coverage because it limits the amount that a driver can collect from an at-fault party in the event a lawsuit is filed. Kentucky residents should also make sure that their minimum insurance coverage meets or exceeds their lienholder's insurance requirements.

These tend to be higher than the minimum coverages required by law. Kentucky drivers who are cited for failure to have adequate car insurance coverage will face license and vehicle registration suspension.

Insurance Fraud in Kentucky

The Insurance Fraud Division of the Kentucky Department of Insurance has a no-tolerance policy on auto insurance fraud.

Driving When Impaired by Alcohol

According to, a database of alcohol-related deaths, for the past three decades, Kentucky's alcohol-related accident fatalities have been around the 200 mark. This represents around 30 percent of Kentucky's total accident fatalities.

About 170 of these alcohol-related deaths resulted from accidents caused by a blood alcohol content level (BAC) of 0.08 or higher. This represents the drunk-driving limit and translates to 24 percent of Kentucky's alcohol-related fatalities being caused by drivers at or over the legal drunk-driving limit.

Strange Kentucky Laws lists three of the more unusual laws on the books in Kentucky:

  • It is illegal to fish with a bow and arrow in Kentucky.
  • One may not dye a duckling blue and offer it for sale unless more than six are for sale at once.
  • A woman may not buy a hat without her husband's permission.

Driving in Kentucky

Traveling along Kentucky's roadways reveals this state's rich cultural history. There are bourbon distilleries, thoroughbred horses and hills rising up from wide, rolling rivers.

Tourists can catch a ride on one of Kentucky's authentic steamboats or dine in quaint restaurants while overlooking the vast expanse of diverse Kentucky landscape.

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