SafeAuto wants to help you get the lowest possible auto insurance rates. Being familiar with your state's financial responsibility requirements is an easy way to start.

Required Coverages

Kentucky's Financial Responsibility law requires you to maintain liability limits of at least:

  • $25,000 because of bodily injury to or death of one (1) person in any one (1) accident
  • $50,000 because of bodily injury to or death of two (2) or more persons in any one (1) accident, subject to the $15,000 per person limit
  • $10,000 because of injury to or destruction of property of others in an accident
Such coverage is often written as 25/50/10 or 25,000/50,000/10,000

Under Kentucky law, you must provide proof of Financial Responsibility in the following circumstances:

  • At the request of a law enforcement officer at the time of an accident or traffic stop
  • When registering a vehicle

To ensure drivers continue to meet the Financial Responsibility requirements, Kentucky also requires insurers to electronically report all of their active policies on a monthly basis.

Penalty for Failure to Comply with Kentucky's Financial Responsibility Requirements:

Failure to maintain proper insurance could lead to the loss of your vehicle plates and suspension of your driver's license. If a law enforcement officer stops you, you may face a fine of $500-$1000, be sentenced to ninety (90) days in jail, or both.

Related Links:

Kentucky Division of Driver Licensing

Kentucky Regional Auto Insurance

Kentucky is the 26th most populous state in the United States. We offer affordable car insurance throughout the entire Bluegrass State! If you are looking for more information about car insurance in the following Kentucky cities, more material can be found below:

If you have any further auto insurance questions please visit the FAQ page or contact the SafeAuto Customer Service Department at