Auto Insurance Minimums for Kentucky

In the state of Kentucky, you are required by law to have a minimum liability insurance of 25/50/10; this ratio translates to $25K for Liability Bodily Injury coverage per person, $50K for Liability Bodily Injury coverage per accident, and $10K for Property Damage coverage per accident.  This is only the minimum amount- the Kentucky Department of Insurance strongly recommends that you purchase more than the legal limit in addition to having uninsured/underinsured motorist protection.  This may sound like a lot but finding reasonable auto insurance quotes isn’t that difficult with a little bit of research.

The Department of Insurance recommends this because roughly 16% of Kentucky drivers are uninsured.  That makes for approximately 447,941 motorists on the road without car insurance and does not include the thousands of others that are inadequately insured.  Liability insurance protects you from loss resulting from civil liability for injury or damage to others.

If you still decide to drive without insurance knowing this information, you risk losing a lot more than just money.  If caught driving without insurance in the state of Kentucky you can lose your driver’s license and plates, may have to pay a fine for up to $500, and if you can’t pay you could spend up to a year in jail.

Purchasing car insurance is simple.  All you need to do is look for auto insurance quotes online to find the best deal out there.  It is well worth the price of car insurance to make sure that you and your loved one stay safe.  The average cost for automobile insurance in Kentucky is only $1,830 per year, which isn’t much when you consider the alternative.

Kentucky DUI Law

28% of all car accidents in Kentucky in the year 2007 were accident related. This is why Kentucky has adopted a harsh stance against driving under the influence of drugs and alcohol. If drivers are caught with a DUI, they will go to jail. And if they are also caught speeding, or if they cause injury to another person, they will face even harsher penalties.

The blood alcohol content limit (BAC) in Kentucky is 0.08% or more. If you are caught driving with a BAC of 0.15% or more, you may face extra charges or sentencing.  There is no administrative license suspension period in Kentucky, which means that license suspension may vary according to judge. In other words, how long your license is suspended will be based on your particular circumstances.

If convicted of a DUI, you will have to pay a fine of $200 to $300, spend as many as 30 days in jail and enroll in a 90 day treatment program.

Kentucky Teen Driving Laws/Auto Insurance Requirements

A whopping 20% of all accidents in Kentucky are caused by teenagers. This is why Kentucky adopted the Graduated Teen Licensing Law on October 1, 2006. This law requires teens to spend more time on receiving their license—including more practice driving with parents or guardians.

Under the Graduated Teen Licensing Law in Kentucky, teens must have a six month intermediate period between when they receive their learner’s permit, and when they apply for an unrestricted license. During this six month period, a teen must complete sixty hours of behind the wheel practice. Ten of these hours must be completed at night. During the permit phase, a teen in Kentucky may not operate a vehicle between the hours of 12 am and 6 am, unless it is an emergency, and must always drive with another licensed driver in the car.

In Kentucky, teens that drive with a BAC of 0.02% or higher are considered driving under the influence, and may face license suspension.
All drivers in Kentucky must carry the minimum amount of insurance required by the state. This includes teens. Because teens are more likely to be involved in accidents than other age groups, they are advised to carry more than the minimum amount of coverage.