Auto Insurance Minimum Requirements
Kentucky requires all drivers to carry minimum liability coverage of $25,000 per person and $50,000 per accident for bodily injury, plus $25,000 for property damage — commonly written as 25/50/25. Kentucky is a no-fault state, which determines how fault and claims are handled after a collision. Uninsured motorist coverage is not required by law but is strongly recommended. Personal Injury Protection (PIP) is required at a minimum of $10,000.
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.
Fine
$500–$1,000
License / Registration
Suspension: Yes
SR-22 Required After
Yes
What is the minimum car insurance required in Kentucky?
Kentucky requires minimum liability coverage of $25,000 per person and $50,000 per accident for bodily injury, plus $25,000 for property damage. This is written as 25/50/25 coverage.
Is Kentucky a no-fault state?
Yes, Kentucky is a no-fault state. Drivers file injury claims with their own insurance regardless of who caused the accident. PIP coverage pays for medical expenses up to policy limits.
Is uninsured motorist coverage required in Kentucky?
Uninsured motorist coverage is not required in Kentucky, but it is strongly recommended given the proportion of uninsured drivers nationwide.
What happens if I drive without insurance in Kentucky?
Driving without insurance in Kentucky can result in fines of $500–$1,000 and license/registration suspension. An SR-22 certificate is typically required to reinstate your driving privileges.
Do I need an SR-22 in Kentucky?
SR-22 filings are used in Kentucky for high-risk drivers following events like DUI convictions, serious violations, or driving without insurance. An SR-22 is a certificate of financial responsibility filed by your insurer — it is not a type of insurance policy. Required for 3 years following high-risk driver license actions or uninsured accident situations.
What does 25/50/25 mean in Kentucky?
These numbers represent your liability limits: $25,000 per person for bodily injury, $50,000 per accident for bodily injury, and $25,000 for property damage. These are the legal minimums — purchasing higher limits provides greater financial protection.
Official Source
Kentucky Transportation Cabinet
Last verified: 2026-05-27 · Always confirm with official state sources before making coverage decisions.