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Required Coverages

Liability insurance covers bodily injury and property damage claims resulting from an accident that is primarily your fault. The limits in your policy are the maximum amounts your insurance company will pay for bodily injury and property damage claims. They are typically expressed as three amounts separated by slashes written as 25/50/10 or 25,000/50,000/10,000

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

The first number is the maximum amount that your policy will pay for bodily injury to or death of one (1) person in any one (1) accident.

The maximum amount that your policy will pay for bodily injury to or death of two (2) or more persons in any one (1) accident, subject to the $25,000 per person limit.

The maximum amount that your policy will pay for injury to or destruction of property of others in an accident.

Proof of Financial Responsibility & Penalties

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-$1,000, be sentenced to ninety (90) days in jail, or both.

Looking For Kentucky Auto Insurance?

You can get a free car insurance quote online or by calling a dedicated SafeAuto customer service representative at 1-800-SAFEAUTO. Customer service is available 24/7 to assist you with your quote or answer any insurance questions you may have.

We offer affordable car insurance throughout the entire Bluegrass State! If you are looking for more information about car insurance in a specific Kentucky city, more material can be found below:

Related Links:

Kentucky Division of Driver Licensing

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