The Commonwealth of Kentucky was carved out of Virginia and added to the Union on June 1, 1792. The “Bluegrass State” has rich fertile soil, which is particularly popular with its race horses. Kentucky is a no-fault insurance state, requiring all drivers to purchase the minimum for personal liability and property damage.
Kentucky Motto: “United We Stand, Divided We Fall”
The Kentucky muzzleloading long rifle (actually made in Pennsylvania) was part of the rugged wilderness image of the American frontiersman. The Commonwealth of Kentucky has established itself as a mixture of white collar and blue collar. The horse breeders live in the north-central part of the state (Inner Bluegrass and Outer Bluegrass) with the coal miners living in the Western Coal Fields.
Since 1875, the top horses in the world have been competing at the Kentucky Derby. The “Louisville Slugger” is a famous baseball bat. Abraham Lincoln was born in Hodgenville, Kentucky. If you choose to drive on the longest road – Kentucky Route 80 spans 464 miles (747 kilometers) – then make sure you have the proper insurance coverage.
Minimum Kentucky Insurance Coverage
The Commonwealth of Kentucky Transportation Cabinet will send notices to drivers that their registration will be canceled if they do not carry the required insurance. Here are the Kentucky required car insurance minimums:
- $25,000 for bodily injury or death of one person
- $50,000 for bodily injury or death of two persons
- $10,000 for property damage or destruction
Select Your County Below to Start the Insurance Quote Process:
Penalties for Non-Compliance
The “Kentucky Revised Statutes (KRS) 304.99-060 — Penalties for Violation of Subtitle 39” list fines, jail time and license suspension for not having insurance. The first violation could lead to a fine of between $500 and $1,000, jail time of not more than 90 days and/or license suspension of one year. Subsequent violations (within a five year period) could lead to fines of between $1,000 and $2,500, jail time of 180 days and/or license suspension of one to two years.
Kentucky Is No-Fault State
Kentucky is a no-fault insurance state allowing you to file a claim with your own insurance company rather than wait for the completion of a long trial. This ensures that you can pay your medical bills quickly. Later, your insurance company can sue the guilty party. Kentucky uninsured motorists rank 12th worst in the nation.
Enjoy the Kentucky bluegrass and Abraham Lincoln’s home, but make sure that you have the required minimums for insurance. It is easy to fill out the form above for a free quote.