Is car insurance mandatory in Kentucky?

All owners of motor vehicles in Kentucky are required to carry minimum liability coverage.

Is it illegal to not have car insurance in Ky?

An owner may not operate a vehicle in Kentucky until insurance has been obtained. According to the statute, an owner who fails to maintain insurance on his vehicle shall have his vehicle registration revoked.

How much is a ticket for no insurance in Ky?

Whether you're on the road or not — the penalties can range from a $500 to $2,500 fine and imprisonment from 90 to 180 days. Your registration will also be suspended for a year, and your license, automatically revoked.

What car insurance is required in Kentucky?

The required minimum coverages and limits to register and operate a vehicle in Kentucky are: Bodily injury liability: $25,000 per person and $50,000 per accident. Property Damage liability: $10,000 per accident. Uninsured Motorist coverage: $25,000 per person and $50,000 per accident*

Is driving without insurance a felony in KY?

To aid in monitoring, it requires insurance agencies to submit monthly records of all personal policies in effect to the KYTC. If your car is identified as uninsured, this would mean you have violated the law with a Class B Misdemeanor, and the penalties can be quite severe.

Is Kentucky still a no-fault state?

Kentucky is a “choice no-fault” state which means that drivers can optionally choose to reject PIP coverage. The driver must file a Kentucky No-Fault Rejection Form with the Kentucky's Department of Insurance office if they choose to decline PIP coverage and compensation.

Do you need proof of insurance to renew tags in Kentucky?

When renewing your registration, Make sure to bring: Photo ID ​ Kentucky certificate of registration. Current original (not a copy) proof of Kentucky insurance effective date within 45 days​

Is it illegal to not have car insurance in Ky?

An owner may not operate a vehicle in Kentucky until insurance has been obtained. According to the statute, an owner who fails to maintain insurance on his vehicle shall have his vehicle registration revoked.

What happens if you get in a wreck without insurance in Kentucky?

If you fail to have your vehicle insured, the registration for your vehicle will be revoked, see KRS 304.39-080(5) and KRS 304.39-090, pursuant to KRS 186A. 040 and you will be subject to the criminal penalties laid out in KRS 304.39-060.

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