Kentucky Auto Insurance Requirements and Coverage - Frankfort
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Kentucky has the 8th greatest number of uninsured drivers on the road accounting for 18% of drivers*
Kentucky is a no-fault car insurance state so each driver’s injuries will be paid by his or her own personal injury protection (PIP) regardless of fault.
Minimum requirements
- $25,000 bodily injury coverage for one person in one accident
- $50,000 bodily injury coverage total per accident
- $10,000 property damage coverage per accident
Penalties for driving without insurance
- First offense a fine of $500 to $1,000 and/or suspension of license for one year and/or 90 days in jail
- Second offense a fine of $1,000 to $2,500 and/or suspension of license for 6 months to 2 years and/or 180 days in jail
Unlike most other states there are no additional requirements for older drivers