Car Insurance in Kentucky
Car Insurance Liability Requirements in Kentucky
Minimum Liability Limits in KY: 25/50/10 [ 4]
25 Required coverage up to $25,000 for one individual injured in an accident
50 Required coverage up to $50,000 for all persons injured in an accident
10 Required coverage up to $10,000 for property damage in an accident
Note: These amounts are the minimum required by the law. Drivers may opt to purchase auto insurance above the mandatory minimums. Note: Instead of policy limits, policyholders can satisfy the requirement with a combined single limit policy.
Required Car Insurance Coverage in Kentucky
Auto Insurance Coverage Requirements in KY [ 4]
Bodily injury liability coverage Property damage liability coverage Personal injury protection coverage Car Insurance Verification Laws in Kentucky
Insurer Verification of Auto Insurance in KY [ 4]
Insurer must notify Department of Motor Vehicles or other state agency of cancellation or nonrenewal. Insurers must submit entire list of insurance in effect, which may be compared with registrations at a state agency. Also known as a computer data law.
Kentucky Car Insurance Facts, Estimates & Related Laws
Kentucky Car Insurance Facts
Average Car Insurance Rates in KY
Kentucky had the 27th highest auto insurance rates in the nation in 2010.
[ 2] Rates in KY ranked 30th in the nation in 2009.
[ 2] In 2008, KY had the 30th highest rates in the country.
Number of Auto Insurance Policies in KY
Kentucky ranked 25th in the nation in auto insurance policies in 2011 with a total of 3,049,647.
Uninsured Motorist Rate in KY
The uninsured motorist rate in KY ranked 8th in the nation in 2009.
Kentucky Distracted Driving Laws
Hand-held phone ban? No
Texting-while-driving ban? Yes Texting-while-driving ban in place for all drivers. [ 7]
Young drivers cell phone ban? Yes Ban applies to drivers younger than 18. [ 7]
Bus driver cell phone ban? Yes Ban applies to school bus drivers. [ 7]
Enforcement of laws:
Primary enforcement in effect.
[ 7] With primary enforcement, a police officer can pull over a driver for that specific offense.
Under a primary law, a police officer can stop a driver for that specific offense. Under a secondary law, an officer must stop a driver for a primary offense before ticketing for the secondary offense.
Kentucky Automotive Laws
Safety Belt Laws in KY
Safety belt laws have been in place since 1994 and apply to drivers/passengers 6 and younger and more than 50 inches in all seats; 7+ in all seats.
[ 7] Child restraint law in place for 40 inches or less in a child restraint; 6 and younger who are between 40 and 50 inches tall in a booster seat.
Motorcycle Helmet Laws in KY
Motorcycle helmets required for 20 and younger.
[ 7] All riders younger than 21 years are required to wear helmets, without exception. Those 21 and older may ride without helmets only if they can show proof that they are covered by a medical insurance policy. * Also covers operators with instructional/learner\'s permits. [ 7]
Driver's License Renewal Cycle in KY
Renewal cycle: 4 years
Kentucky Auto & Driver Facts
Kentucky Automotive Facts
Speed Limits in KY
Rural interstates: 65 mph (70 mph on specified segments of road)
[ 7] Urban interstates: 65 mph
[ 7] Other roads: 55 mph
Motor Fuel Consumption in KY
Kentucky cities collectively ranked 25th in the nation in total motor fuel consumption in 2011.
Kentucky Licensed Drivers
Licensed Drivers in KY [ 10]
Total Drivers: 2,959,881
KY has the 27th most drivers in the U.S.
Minimum Driving Age in KY [ 5]
Kentucky has a minimum driving age of 16 years.
Kentucky Auto Registrations
Auto Registrations in KY [ 8]
Registered Cars: 1,883,309
Registered Trucks: 1,770,584
Registered Motorcycles: 98,495
Total Registrations: 3,763,027
Rank: Kentucky ranked 26th in the United States in total auto registrations in 2011.
Additional information about Kentucky
Kentucky has a population of approximately 4,339,367, which ranks 26th in the U.S. among all states.
More about Kentucky auto insurance
For more information about auto insurance in KY, or for additional resources regarding
Kentucky car insurance, visit the Kentucky Department of Insurance.
Did you know?
Penalties for driving without required insurance coverage vary widely by location. Fines can reach into the thousands of dollars.
1. ^ Automobile Insurance Plans Service Office (AIPSO)
2. ^ National Association of Insurance Commissioners (NAIC)
3. ^ Insurance Research Council (IRC)
4. ^ Insurance Information Institute (III)
5. ^ Insurance Institute for Highway Safety (IIHS)
6. ^ United States Census Bureau
7. ^ IIHS & Highway Loss Data Institute
8. ^ Office of Highway Policy Information
9. ^ U.S. Department of Transportation
10. ^ Federal Highway Administration