Kentucky Car Insurance Laws — EagleWay Auto Insurance
From Cumberland Falls and Mammoth Cave to the Louisville Slugger Museum and Churchill Downs, Kentucky has something for everyone. Whether your idea of fun is driving to a state park for a weekend camping trip or taking the back roads home from work, affordable auto insurance coverage can help protect you on any journey.
EagleWay Auto Insurance is proud to offer cheap car insurance in Kentucky, the “Bluegrass State.” In this guide, we explain required coverages, optional protections, and how EagleWay can help you find cheap Kentucky auto insurance. Get a free quote to see how much you can save with EagleWay Auto Insurance.
Kentucky Car Insurance Laws
Do you have to have car insurance in Kentucky?
Kentucky law requires all drivers to carry insurance for any vehicle they register in the state. Kentucky auto insurance policies must meet minimum liability coverage limits of 25/50/25.
Kentucky also requires drivers to carry Personal Injury Protection (PIP) coverage.
What is a no-fault state?
Kentucky is a no-fault state, meaning each driver files medical claims with the insurance policy covering the vehicle they were in—regardless of who caused the crash. You can pursue the at-fault party only if your injuries exceed a certain threshold.
Kentucky Minimum Car Insurance Requirements
| Coverages | Is It Required by Law? |
|---|---|
| Bodily Injury Liability — covers injuries you cause to others. | Yes. $25,000 per person / $50,000 per accident. |
| Property Damage Liability — covers damage you cause to others’ property. | Yes. $25,000 per accident. |
| Uninsured/Underinsured Motorist (UM/UIM) — covers injuries caused by an uninsured or underinsured driver. | Not required, but included by default unless rejected in writing. |
| Personal Injury Protection (PIP) — covers medical costs regardless of fault. | Yes. $10,000 Basic PIP or Guest PIP. |
| Collision Coverage — covers your vehicle after a crash. | Not required.1 |
| Comprehensive Coverage — covers non-collision damage (fire, theft, storms, animals). | Not required.1 |
1Your lender may require these coverages if you lease or finance your vehicle.
Optional Add-On Coverages in Kentucky
- Roadside Assistance*
- Medical Payments Coverage (Med Pay)
- Towing & Labor Coverage
- Rental Reimbursement Coverage
Kentucky Proof of Financial Responsibility & Penalties
What happens if you drive without insurance in Kentucky?
Kentucky drivers caught driving uninsured face steep penalties, including:
- Fines up to $1,000
- Up to 90 days in jail
- Registration revocation
- Possible license suspension
Penalties for Driving with a Suspended License
Driving with a suspended license in Kentucky is illegal and can result in fines, jail time, and extended suspensions. Repeat offenses can rise from a misdemeanor to a felony.
SR-22 Insurance in Kentucky
Kentucky does not require SR-22 filings. However, you may need one if you move to another state and have:
- Lapsed liability coverage
- DUI/DWI convictions
- Serious traffic violations
EagleWay Auto Insurance can help answer questions about SR-22 requirements in other states.
High-Risk Auto Insurance in Kentucky
Not everyone has a perfect driving record. Drivers with major or multiple violations can be classified as high-risk. EagleWay Auto Insurance proudly offers non-standard (high-risk) coverage to help drivers regain confidence and get affordable protection.
Find the Cheapest Car Insurance Rates in Kentucky
Your Kentucky car insurance rate depends on factors such as:
- Coverage types and limits
- Vehicle year, make, and model
- Driving habits and location
- Age and demographics
- Driving history
- Credit history
EagleWay Auto Insurance helps Kentucky drivers — even high-risk drivers — find affordable rates that meet state requirements.
Get a free Kentucky auto insurance quote today and let EagleWay Auto Insurance help you secure the lowest possible premium.