Kentucky

Auto Insurance Minimum Requirements

25/50/25

Liability Limits

Yes

No-Fault

$10,000

PIP Minimum

Optional

Uninsured Motorist

Full Requirements

Bodily Injury (per person)$25,000

Bodily Injury (per accident)$50,000

Property Damage$25,000

Uninsured Motorist RequiredNo

Underinsured Motorist RequiredNo

PIP RequiredYes — $10,000 minimum

No-Fault StateYes

MedPay RequiredNo

SR-22 FilingsYes (for high-risk drivers)

Effective Date2008-07-01

Important Notes

Kentucky operates under a choice no-fault regulatory posture. Policyholders can explicitly elect to opt out of no-fault rules in writing, reverting to absolute tort; if they do not opt out, a minimum of $10,000 PIP is legally compulsory.

Uninsured / Underinsured Motorist

Must be provided by the insurance company unless explicitly waived by the consumer.

SR-22 Filings

Required for 3 years following high-risk driver license actions or uninsured accident situations.

Alternatives to Insurance

A safety cash deposit or a dynamic performance bond filed under the regulatory oversight of the state.

Official Source

Kentucky Transportation Cabinet

View Official Site →

Last verified: 2026-05-27 · Always confirm with official state sources before making coverage decisions.