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Kentucky Car Insurance Resources

Kentucky Car Insurance

Car Insurance Rates in KY

^ From 2006 to 2010, Kentucky cities had the 29th highest auto insurance rates in the nation. [2]

Car Insurance in KY by City

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Cars Insured in KY

^ Kentucky ranked 25th of all U.S. states in total auto insurance policies in 2011. [1]

KY Car Insurance

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

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

Kentucky Car Insurance Facts, Estimates & Related Laws
  • 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. [2]
  • 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. [1]
  • Uninsured Motorist Rate in KY
    • The uninsured motorist rate in KY ranked 8th in the nation in 2009. [3]

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. [7]
  • 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 [7]

Kentucky Auto & Driver Facts

Kentucky Automotive Facts

Kentucky Auto & Driver 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 [7]
  • Motor Fuel Consumption in KY
    • Kentucky cities collectively ranked 25th in the nation in total motor fuel consumption in 2011. [9]

Kentucky Licensed Drivers

  • Licensed Drivers in KY [10]
    • Total Drivers: 2,959,881
    • Female: 1,498,660
    • Male: 1,461,221
    • 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

About Kentucky

Kentucky has a population of approximately 4,339,367, which ranks 26th in the U.S. among all states. [6]

KY Car Insurance

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?

As of August 2013, three states (Idaho, Kansas and Minnesota) permit electronic delivery (e-Delivery) of insurance documents.


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

Kentucky Cities