---
title: Kentucky Car Insurance Laws
description: Get more information about Kentucky's state laws about car insurance. Failure to have car insurance could result in penalties. Click to learn more.
image: https://news.bartdurham.com/hubfs/kentucky-car-insurance-bart-durham.jpg
---
[](https://bartdurham.com/)
- Our Law Firm
- [About Us](https://bartdurham.com/about-us/)
- [Remembering Bart](https://bartdurham.com/about-us/meet-bart/)
- [Our Team](https://bartdurham.com/our-team)
- [Community Service](https://bartdurham.com/category/community-celebrations)
- [Attorneys](https://bartdurham.com/attorneys/)
- [Blair Durham](https://bartdurham.com/attorneys/blair-durham/)
- [Chaucey Fuller](https://bartdurham.com/attorneys/chaucey-fuller/)
- [Rich Cassidy](https://bartdurham.com/attorneys/rich-cassidy/)
- [Annie Berry](https://bartdurham.com/attorneys/annie-berry-2/)
- News
- [News](https://news.bartdurham.com/blog)
- [Resource Center](https://bartdurham.com/personal-injury-law-resource-center/)
- [FAQ](https://bartdurham.com/faq/)
- [Videos](https://bartdurham.com/videos/)
- [The Law, Your Insurance & Your Rights](https://bartdurham.com/personal-injury-lawyer/the-law-your-insurance-your-rights/)
- [Our Case Results](https://bartdurham.com/results/)
- Areas of Practice
- [Automobile Accidents](https://bartdurham.com/automobile-accidents/)
- [Car Accidents](https://bartdurham.com/automobile-accidents/car-accidents/)
- [Truck Accidents](https://bartdurham.com/automobile-accidents/truck-accidents/)
- [Public Transportation and Commercial Vehicle Accidents](https://bartdurham.com/automobile-accidents/public-transportation-and-commercial-vehicle-accidents/)
- [Motorcycle Accidents](https://bartdurham.com/automobile-accidents/motorcycle-accidents/)
- More
- [Pedestrian Accidents](https://bartdurham.com/automobile-accidents/pedestrian-accidents/)
- [DUI Accidents](https://bartdurham.com/automobile-accidents/dui-accidents-injuries/)
- [Rear End Collisions](https://bartdurham.com/automobile-accidents/rear-end-collisions/)
- [Rollover Accidents](https://bartdurham.com/automobile-accidents/car-accidents/one-car-accidents/vehicle-rollover/)
- [Personal Injury Lawyer](https://bartdurham.com/personal-injury-lawyer/)
- [Catastrophic Injuries](https://bartdurham.com/personal-injury-lawyer/catastrophic-injuries/)
- [Workplace Accidents](https://bartdurham.com/personal-injury-lawyer/workplace-injury-lawyers/)
- [Product Liability](https://bartdurham.com/personal-injury-lawyer/product-liability-lawyer/)
- [Medical Malpractice](https://bartdurham.com/personal-injury-lawyer/medical-malpractice-lawyer/)
- [Recalls](https://bartdurham.com/recalls/)
- [Farm Equipment Injury](https://bartdurham.com/personal-injury-lawyer/kentucky-farm-equipment-injury/)
- [Contact Us](https://bartdurham.com/contact/)
800.844.1712
- Our Law Firm
- [About Us](https://bartdurham.com/about-us/)
- [Remembering Bart](https://bartdurham.com/about-us/meet-bart/)
- [Our Team](https://bartdurham.com/our-team)
- [Community Service](https://bartdurham.com/category/community-celebrations)
- [Attorneys](https://bartdurham.com/attorneys/)
- [Blair Durham](https://bartdurham.com/attorneys/blair-durham/)
- [Chaucey Fuller](https://bartdurham.com/attorneys/chaucey-fuller/)
- [Rich Cassidy](https://bartdurham.com/attorneys/rich-cassidy/)
- [Annie Berry](https://bartdurham.com/attorneys/annie-berry-2/)
- News
- [News](https://news.bartdurham.com/blog)
- [Resource Center](https://bartdurham.com/personal-injury-law-resource-center/)
- [FAQ](https://bartdurham.com/faq/)
- [Videos](https://bartdurham.com/videos/)
- [The Law, Your Insurance & Your Rights](https://bartdurham.com/personal-injury-lawyer/the-law-your-insurance-your-rights/)
- [Our Case Results](https://bartdurham.com/results/)
- Areas of Practice
- [Automobile Accidents](https://bartdurham.com/automobile-accidents/)
- [Car Accidents](https://bartdurham.com/automobile-accidents/car-accidents/)
- [Truck Accidents](https://bartdurham.com/automobile-accidents/truck-accidents/)
- [Public Transportation and Commercial Vehicle Accidents](https://bartdurham.com/automobile-accidents/public-transportation-and-commercial-vehicle-accidents/)
- [Motorcycle Accidents](https://bartdurham.com/automobile-accidents/motorcycle-accidents/)
- More
- [Pedestrian Accidents](https://bartdurham.com/automobile-accidents/pedestrian-accidents/)
- [DUI Accidents](https://bartdurham.com/automobile-accidents/dui-accidents-injuries/)
- [Rear End Collisions](https://bartdurham.com/automobile-accidents/rear-end-collisions/)
- [Rollover Accidents](https://bartdurham.com/automobile-accidents/car-accidents/one-car-accidents/vehicle-rollover/)
- [Personal Injury Lawyer](https://bartdurham.com/personal-injury-lawyer/)
- [Catastrophic Injuries](https://bartdurham.com/personal-injury-lawyer/catastrophic-injuries/)
- [Workplace Accidents](https://bartdurham.com/personal-injury-lawyer/workplace-injury-lawyers/)
- [Product Liability](https://bartdurham.com/personal-injury-lawyer/product-liability-lawyer/)
- [Medical Malpractice](https://bartdurham.com/personal-injury-lawyer/medical-malpractice-lawyer/)
- [Recalls](https://bartdurham.com/recalls/)
- [Farm Equipment Injury](https://bartdurham.com/personal-injury-lawyer/kentucky-farm-equipment-injury/)
- [Contact Us](https://bartdurham.com/contact/)
[](https://bartdurham.com/)
# Kentucky Car Insurance Laws
[Bart Durham Injury Law](https://news.bartdurham.com/blog/author/bart-durham-injury-law) [Insurance](https://news.bartdurham.com/blog/tag/insurance), [Kentucky](https://news.bartdurham.com/blog/tag/kentucky)
## Kentucky Car Insurance Laws
The state of Kentucky is just over 39 thousand square miles. Within those parameters lives more than four million people. While much of the state is classified as rural, most habit "urban" cities. In 2016, there were over three million registered vehicles and almost three million registered drivers. That's over half the population.
When you consider [these statistics](https://transportation.ky.gov/HighwaySafety/Documents/KY_FY2018_HSP.pdf), you should appreciate the laws in place that require drivers in Kentucky to have car insurance.
## Kentucky Car Insurance Requirements
Kentucky, like many states in the U.S., requires a minimum amount of car insurance to drive a car. Failure to comply with the state laws could mean revoked license or even jail time. If you live in Kentucky, get familiar with their requirements to avoid penalties.
The bare minimum car insurance set by the state includes:
- $25,000 bodily injury per person per accident
- $50,000 bodily injury for all persons per accident
- $10,000 property damage liability
- $10,000 personal injury protection
It's good to note that Kentucky is a "no-fault" state. We'll talk a little more about that in a minute, but its requirements are going to look different for anyone who has just moved here.
## Penalties for Not Getting Car Insurance in Kentucky
Kentuckians are required to carry proof of car insurance in the car. If you are ever pulled over for speeding or because of an accident, you will need to show the information to the police officer. Anyone who cannot produce proof of insurance is subject to a fine of up to $500 and court costs. Just to put that into perspective, court costs about $100 to $200. Not getting insured could cost you almost a thousand dollars.
Think again before trying to drive a vehicle without insurance because you are a "safe driver." Kentucky requires all insurance companies to provide the state with a list of residents who are insured. Owning a car and not appearing on this list is a red flag. The state will send you a notice asking you to confirm your insurance. You have 30 days to produce the proof. If you fail to show evidence, registration for your car will be canceled until you provide a copy of your coverage.
## Additional Kentucky Driving Penalties and Offenses
It's up to drivers to stay informed about the changes in Kentucky driving laws. Police can pull you over for more than speeding or failure to yield. Here are a couple of updates to Kentucky law from[Einsurance](https://www.einsurance.com/insurance-guide/kentucky/auto-insurance/).
1. Kentucky bans texting for all drivers, and there is a ban on all cell phone use (hand-held or hands-free) for novice drivers.
2. Since 2012, Kentucky's seat belt law has included 15-person passenger vans.
3. Kentucky law requires calling the police to the scene of any crash when there are injuries or property damage in excess of $500. If the police cannot come, a written report must be filed with the state police within ten days.
### Have you been injured in a car accident in Kentucky? Call Bart Durham Injury Lawyers to learn more about the compensation you could receive.
[](https://cta-redirect.hubspot.com/cta/redirect/4679191/11faa6bd-175e-46a1-bcc2-214f8d313c47)
## Kentucky's No-Fault Insurance Rules
No-fault insurance means drivers must rely on their car insurance to [file claims](https://www.alllaw.com/articles/nolo/auto-accident/no-fault-insurance-claim-work.html) for medical and other financial losses from an accident. You aren't allowed to seek a liability claim against a driver for your injuries unless your injuries meet or surpass a threshold. Kentucky residents rely on "personal injury protection" (PIP) to cover their medical bills. As we noted above, the legal minimum requirement is $10,000. But, that amount doesn't just include the driver. PIP can go toward all passengers in the vehicle at the time of the crash.
## Opting Out of No-Fault Claims in Kentucky
The car insurance system in Kentucky is a little complex. It allows drivers the option of opting out of purchasing "no-fault" insurance. When you make this decision, you are reserving the right to sue and make a liability claim against an at-fault driver. The risk of obtaining one of these policies is you, therefore, open yourself up to a lawsuit. Because of your different options, Kentucky is called a "choice no-fault" state.
## Filing a Lawsuit for a Car Accident in Kentucky
With all the information available, it's easy to wonder whether or not you can seek compensation when you were injured in a car crash if you purchased [no-fault insurance](https://www.nolo.com/legal-encyclopedia/kentucky-no-fault-car-insurance.html). The answer is yes, but's contingent on a few different aspects of the case:
- the accident resulted in at least $1,000 in medical bills, or
- the collision caused the claimant's permanent disfigurement, fracture of a weight-bearing bone; compound, compressed, or displaced fracture of any bone; any permanent injury, or any permanent loss of a body function.
These no-fault claims are only applicable to bodily injuries. **If an at-fault driver damaged your vehicle, you are free to pursue a claim against the driver.**
Have you been injured in a car accident in Kentucky? Call Bart Durham Injury Law today and find out if you have a case. All consultations are FREE.
[](https://cta-redirect.hubspot.com/cta/redirect/4679191/7ae5daa0-397b-422e-ac53-d3f85b0a2619)
---
#### Tag:
[Insurance](https://news.bartdurham.com/blog/tag/insurance) [Kentucky](https://news.bartdurham.com/blog/tag/kentucky)
#### Share:
- [Follow us on Facebook](http://www.facebook.com/share.php?u=https://news.bartdurham.com/blog/kentucky-car-insurance-laws)
-
- [Follow us on Linkedin](http://www.linkedin.com/shareArticle?mini=true&url=https://news.bartdurham.com/blog/kentucky-car-insurance-laws)
- [Follow us on Pinterest](http://pinterest.com/pin/create/button/?url=https://news.bartdurham.com/blog/kentucky-car-insurance-laws&text=Kentucky%20Car%20Insurance%20Lawsdescription=The%20state%20of%20Kentucky%20is%20just%20over%2039%20thousand%20square%20miles.%20Within%20those%20parameters%20lives%20more%20than%20four%20million%20people.%20While%20much%20of%20the%20state%20is%20classified[...]&media=https://cdn2.hubspot.net/hubfs/4679191/kentucky-car-insurance-bart-durham.jpg)
---
#### [Large Farm Truck, Delivery Trucks, or 18-wheeler Accidents on Country Roads Previous Post](https://news.bartdurham.com/blog/truck-accidents-on-country-roads)
#### [Top Safety Precautions for Fireworks Next Post](https://news.bartdurham.com/blog/2017/06/top-safety-precautions-for-fireworks)
This is a search field with an auto-suggest feature attached.
- There are no suggestions because the search field is empty.
### Category
- [Car Accidents (479)](https://news.bartdurham.com/blog/tag/car-accidents)
- [Accident (291)](https://news.bartdurham.com/blog/tag/accident)
- [Dangerous or Defective Drugs (259)](https://news.bartdurham.com/blog/tag/dangerous-or-defective-drugs)
- [Big Truck Accidents (185)](https://news.bartdurham.com/blog/tag/big-truck-accidents)
- [Design & Manufacturing Defects (184)](https://news.bartdurham.com/blog/tag/design-manufacturing-defects)
### Popular Posts
[Bart Durham Injury Law](https://news.bartdurham.com/blog/author/bart-durham-injury-law) 01/29/2024 [Dangerous or Defective Drugs](https://news.bartdurham.com/blog/tag/dangerous-or-defective-drugs), [Injuries](https://news.bartdurham.com/blog/tag/injuries), [Mass Tort](https://news.bartdurham.com/blog/tag/mass-tort), [Personal Injury Lawyer](https://news.bartdurham.com/blog/tag/personal-injury-lawyer)
[Ozempic, Wegovy, Rybelsus, Saxenda, Mounjaro, and Trulicity Linked to Gastroparesis and Stomach Paralysis](https://news.bartdurham.com/blog/ozempic-wegovy-rybelsus-saxenda-mounjaro-and-trulicity-linked-to-gastroparesis-and-stomach-paralysis)
[Bart Durham Injury Law](https://news.bartdurham.com/blog/author/bart-durham-injury-law) 01/28/2025 [Car Accidents](https://news.bartdurham.com/blog/tag/car-accidents), [Kentucky](https://news.bartdurham.com/blog/tag/kentucky), [Tennessee](https://news.bartdurham.com/blog/tag/tennessee), [Big Truck Accidents](https://news.bartdurham.com/blog/tag/big-truck-accidents), [Accident](https://news.bartdurham.com/blog/tag/accident), [Personal Injury Lawyer](https://news.bartdurham.com/blog/tag/personal-injury-lawyer), [Commercial Vehicle Accidents](https://news.bartdurham.com/blog/tag/commercial-vehicle-accidents)
[Do These 5 Things After a Big Truck Wreck](https://news.bartdurham.com/blog/2017/06/do-these-5-things-after-a-big-truck-wreck)
[Bart Durham Injury Law](https://news.bartdurham.com/blog/author/bart-durham-injury-law) 01/31/2025 [Car Accidents](https://news.bartdurham.com/blog/tag/car-accidents), [Drunk Driving Accidents](https://news.bartdurham.com/blog/tag/drunk-driving-accidents), [Fatal Accidents](https://news.bartdurham.com/blog/tag/fatal-accidents), [Accident](https://news.bartdurham.com/blog/tag/accident)
[Common Car Accidents (And Who's at Fault)](https://news.bartdurham.com/blog/common-car-accidents-and-whos-at-fault)
[Bart Durham Injury Law](https://news.bartdurham.com/blog/author/bart-durham-injury-law) 12/08/2023 [Driver Negligence](https://news.bartdurham.com/blog/tag/driver-negligence), [Fatal Accidents](https://news.bartdurham.com/blog/tag/fatal-accidents), [Kentucky](https://news.bartdurham.com/blog/tag/kentucky), [Tennessee](https://news.bartdurham.com/blog/tag/tennessee), [Big Truck Accidents](https://news.bartdurham.com/blog/tag/big-truck-accidents), [New Car](https://news.bartdurham.com/blog/tag/new-car), [Distracted Driving](https://news.bartdurham.com/blog/tag/distracted-driving), [Personal Injury Lawyer](https://news.bartdurham.com/blog/tag/personal-injury-lawyer), [Commercial Vehicle Accidents](https://news.bartdurham.com/blog/tag/commercial-vehicle-accidents)
[Wrecks with Delivery Drivers Require Personal Injury Professionals](https://news.bartdurham.com/blog/wrecks-with-delivery-drivers-require-personal-injury-professionals)
---
Bart Durham Injury Law
406 11th Avenue North, Suite 200
Nashville, TN 37203
- [Toll Free: 800-844-1712](tel:800-844-1712)
- [Phone: 615-242-9000](tel:615-242-9000)
- Fax: 615-254-6562
- [Nashville Law Office Map](https://maps.app.goo.gl/TNSQJU4WHTovJQdN7)
- [Kentucky Law Office Map](https://maps.app.goo.gl/feadMtHztUmSUpXm6)
- [Toll Free: 800-844-1712](tel:800-844-1712)
- [Phone: 615-242-9000](tel:615-242-9000)
- Fax: 615-254-6562
- [Nashville Law Office Map](https://maps.app.goo.gl/TNSQJU4WHTovJQdN7)
- [Kentucky Law Office Map](https://maps.app.goo.gl/feadMtHztUmSUpXm6)
[Write a Review](https://www.locationrater.com/tp/5xloZz/)
Tell us how we are doing.
We are interested in your feedback.
© 2023 by Bart Durham Injury Law. All rights reserved.
[Disclaimer](https://bartdurham.com/disclaimer/) | [Kentucky Disclaimer](https://bartdurham.com/disclaimer-ky/) | [Site Map](https://bartdurham.com/sitemap) | [Privacy Policy](https://bartdurham.com/privacy-policy/)
Some services may be performed by others.
Horton - [Nashville Web Design](https://www.hortongroup.com/web-design) & [SEO Services](https://www.hortongroup.com/nashville-seo)
[](https://www.thelawyersofdistinction.com/profile/blair-durham/)
[](https://business.mybaseguide.com/business/bartdurhaminjurylaw_5655ed245c37)
[](http://thenationaltriallawyers.org/)
[](https://www.forbes.com/advisor/legal/personal-injury/best-personal-injury-lawyers-nashville-tn/?award=best-personal-injury-lawyers-nashville-tn-award-2024-blair-p-durham)
```json
{
"@context" : "https://schema.org",
"@type" : "BlogPosting",
"author" : {
"@type" : "Person",
"name" : "Bart Durham Injury Law",
"url" : "https://news.bartdurham.com/blog/author/bart-durham-injury-law"
},
"dateModified" : "2019-06-11T18:24:06.632Z",
"datePublished" : "2019-06-11T18:24:00.000Z",
"headline" : "Kentucky Car Insurance Laws",
"image" : [ "https://news.bartdurham.com/hubfs/kentucky-car-insurance-bart-durham.jpg" ],
"mainEntityOfPage" : {
"@id" : "https://news.bartdurham.com/blog/kentucky-car-insurance-laws",
"@type" : "WebPage"
},
"publisher" : {
"@type" : "Organization",
"logo" : {
"@type" : "ImageObject",
"url" : "https://news.bartdurham.com/hubfs/BD-VECTOR_MAIN-NAV-LOGO-WHITE.png"
},
"name" : "Bart Durham Injury Law"
}
}
```