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Kentucky Car Insurance Laws

Auto insurance laws vary from state to state, and what is required in one state may not be required in another so it is important to know the regulations in Kentucky. The penalties and fines for not having proper insurance can be expensive so make sure you know what is required in Kentucky.

KY Auto Insurance Laws and Regulations:

Kentucky Office of Insurance
215 West Main Street
Frankfort, KY 40601

Minimum Car Insurance Coverage in KY:

$25,000 for injury/death to one person

$50,000 for injury to more than one person

$10,000 for damage to property

KY Insurance is Not Required on:

Off-highway vehicles

Non-registered nonoperational vehicles


KY Uninsured Penalties:

If you fail to follow Kentucky's state insurance requirements, you will face suspension of your license and vehicle registration if you are stopped by a traffic officer. This officer will also demand a payment from $500-$1000 for driving uninsured, and may sentence you to 90 days of jail.

For enforcing insurance requirements, Kentucky mandates that insurance providers electronically submit their active insurance policies on a monthly basis to a county clerk. If a policy has been cancelled, the state will likely contact the newly uninsured person asking for information on a new policy. If the respondent doesn't obtain new insurance, he will face suspension of his license and lapse fees.

Driving with an expired license comes with a fine and the vehicle can be held on a 24 hour impound. The state of KY lists examples of 24 Hour impounds as: - Expired registration tags over 6 months, - Select parking violations, - Expired drivers license over 30 days, and - Drivers arrested for a criminal offense while in possession of the vehicle.


KY Department of Insurance Contact Information:

Toll Free: 1-800-595-6053

KY State Insurance Department Website:





Directory of Kentucky Auto Insurance Agents by County

Adair
Allen
Anderson
Ballard
Barren
Bath
Bell
Boone
Bourbon
Boyd
Boyle
Bracken
Breathitt
Breckinridge
Bullitt
Butler
Caldwell
Calloway
Campbell
Carlisle
Carroll
Carter
Casey
Christian
Clark
Clay
Clinton
Crittenden
Cumberland
Daviess
Edmonson
Elliott
Estill
Fayette
Fleming
Floyd
Franklin
Fulton
Gallatin
Garrard
Grant
Graves
Grayson
Green
Greenup
Hancock
Hardin
Harlan
Harrison
Hart
Henderson
Henry
Hickman
Hopkins
Jackson
Jefferson
Jessamine
Johnson
Kenton
Knott
Knox
Larue
Laurel
Lawrence
Lee
Leslie
Letcher
Lewis
Lincoln
Livingston
Logan
Lyon
Madison
Magoffin
Marion
Marshall
Martin
Mason
Mccracken
Mccreary
Mclean
Meade
Menifee
Mercer
Metcalfe
Monroe
Montgomery
Morgan
Muhlenberg
Nelson
Nicholas
Ohio
Oldham
Owen
Owsley
Pendleton
Perry
Pike
Powell
Pulaski
Robertson
Rockcastle
Rowan
Russell
Scott
Shelby
Simpson
Spencer
Taylor
Todd
Trigg
Trimble
Union
Warren
Washington
Wayne
Webster
Whitley
Wolfe
Woodford

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