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