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Kentucky Minimum Car Insurance and Penalties for Driving Without It
The short answer
Kentucky requires liability insurance of at least $25,000 per person and $50,000 per accident for injuries, and $25,000 for property damage (25/50/25). Other required coverage: PIP $10,000.
Kentucky at a glance
| Minimum liability | $25,000 per person and $50,000 per accident for injuries, and $25,000 for property damage (25/50/25) |
|---|---|
| Other required coverage | Personal injury protection (PIP, called basic reparation benefits) is required, with a maximum of $10,000 per person per accident. |
| First offense for driving uninsured | An owner without insurance faces a fine of $500 to $1,000, up to 90 days in jail, or both, and the registration is revoked and plates suspended for one year or until proof of insurance is shown. A driver without insurance faces the same fine or jail, and an owner who is also the driver faces both penalties. First offense penalties can be reduced on proof of insurance. |
| Repeat offense | A second or later offense within five years revokes your driver license and carries a fine of $1,000 to $2,500, up to 180 days in jail, or both. Penalties can be reduced only with proof of insurance and a receipt for a six-month paid premium. |
| Fee to restore after a lapse | Not confirmed on a state source; ask the agency |
Penalties depend on the court and your record; your citation or notice decides what applies to you.
FAQ
What is the minimum car insurance in Kentucky?
Kentucky requires liability insurance of at least $25,000 per person and $50,000 per accident for injuries, and $25,000 for property damage (25/50/25). Other required coverage: PIP $10,000.
What happens if you drive without insurance in Kentucky?
An owner without insurance faces a fine of $500 to $1,000, up to 90 days in jail, or both, and the registration is revoked and plates suspended for one year or until proof of insurance is shown. A driver without insurance faces the same fine or jail, and an owner who is also the driver faces both penalties. First offense penalties can be reduced on proof of insurance.