Kentucky Auto Insurance

State Insurance Requirements

All registered or operated vehicles must be covered by liability insurance. The Minimum amount of liability coverage required by the state of Kentucky is $25,000 for injury, $50,000 for all injuries, and $10,000 in property damage. Commonly referred to as 25/50/10 coverage.

Kentucky is a ‘choice’ No-fault state. Kentucky drivers have the option to purchase Personal Injury Protection coverage (PIP) in the amounts of $10,000 for injury and lost wages, INSTEAD of the minimum liability coverage.

You are required to carry proof of insurance in your vehicle.

The list below constitute legal proof of insurance:

  • Permanent Insurance Card.
  • Policy Declaration Page.
If a driver is involved in a traffic stop or accident and can not produce proof of insurance the driver will receive a minimum $500 up to $1,000 fine and possible 90 days jail time for driving uninsured. In some cases the driver’s license and plates can be revoked or suspended.
DMV Point System

This state enlists a point system to monitor and penalize driving infractions. If a driver is convicted of traffic law violations, the driver will gain points on their drivers license. If those points reach a state specified amount, their license will be suspended for a predetermined period based on the amount of points gained. After two years time, a traffic conviction loses its‘ point value for suspension purposes. However, it will stay on your permanent driving record and may effect your insurance rates.

Below is a list of violations and their corresponding point values:


  • 10mph or less over – 0 points
  • 11-15 mph over – 3 points
  • 16-25 mph over – 6 points
  • Additional Violations/Infractions

  • Improper Passing – 5 points
  • Reckless driving – 4 points
  • Following too closely – 4 points
  • Driving on wrong side of roadway – 4 points
  • Changing Drivers in a Moving Vehicle – 4 points
  • Vehicle Not Under Control – 4 points
  • Failure to Yield to Emergency Vehicle – 3 points
  • Stop Violation (electric signal, railroad crossing, stop sign) – 3 points
  • Failure to Yield – 3 points
  • Wrong Way on One-Way Street – 3 point
  • Too Fast for Conditions – 3 points
  • Too Slow for Conditions – 3 points
  • Improper Driving – 3 points
  • Improper Start – 3 points
  • Improper Turn – 3 points
  • Failure to Illuminate Headlights – 3 points
  • Careless Driving – 3 points
  • Failure to Dim Headlights – 3 points
  • Improper Lane Usage – 3 points
  • Improper Use Left Lane/Limited Access Highway – 3 points
  • Failure to comply with Instructional Permit Requirements/Regulations – 3 points
  • Failure to yield right-of-way to Funeral Procession – 3 points
  • Any Other Moving Hazardous Violations – 3 points
Upon the accumulation 12 or more points against an adult driver, or 7 points against a driver under age 18,  the Transportation Cabinet conducts a hearing concerning the drivers privileges to operate a motor vehicle.  Failure to appear for the hearing results in a driving suspension for a period of 6 months for the first such accumulation of 12 points, 1 year for the second such accumulation of 12 points, and 2 years for any subsequent accumulation of 12 points within the 2 year period.
After a hearing, the department may require the driver to be placed on “probation” in lieu of suspension and attend a driver improvement clinic (State Traffic School) approved by the Transportation Cabinet.

There are some offenses in Kentucky that cause for an immediate suspension hearing.
They are as follows:

  • 26 mph over speed limit on any road or highway
  • Attempting to elude police officer
  • Racing
  • Driving without insurance / Failure to provide proof
  • DUI

Disclaimer is in no way offering legal advice to consumers. Although we update our information regularly, and attempt to be as accurate as possible, state laws may change and we are not liable for any misinformation resulting in legal action or otherwise.

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