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Insurance Center
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Minimum Insurance Requirements
If you're driving in Kentucky, you must have liability insurance, as well as basic no-fault personal injury insurance coverage; otherwise, you risk being fined and losing your driver's license and plates.
The minimum requirements for liability insurance are $10,000 for property damage and $25,000/$50,000 for bodily injuries. Drivers may opt for the "single limit" plan that covers liability of $60,000. The no-fault personal injury insurance will pay up to $10,000, regardless of who caused the accident.
What is No-Fault Insurance?
Under no-fault personal injury insurance coverage, you will be compensated for up to $10,000 of your out-of-pocket expenses, regardless of who was at fault for the accident; however, under no-fault insurance coverage, your right to sue, as well as the right of the other party, is limited.
You can avoid these limitations by rejecting no-fault insurance coverage. To do so, you must file a special form with the Kentucky Office of Insurance. Obtain the form from your insurance agent, company, or the Office of Insurance itself.
Responsibilities
It's the responsibility of your insurance company to provide you and your County Clerk written proof of your insurance coverage.
It's your responsibility to keep your copy in your vehicle at all times; if you don't, you risk being fined and losing your driver license and plates.
For more information regarding insurance laws in Kentucky, refer to the Kentucky Drivers Manual or contact the Kentucky Office of Insurance at:
- Kentucky Office of Insurance
- 215 W. Main St.
- Frankfort, KY 40601
- Telephone: 1-800-595-6053
