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| Coverage | Requirements | Most Common |
| Bodily Injury Liability | 25,000/50,000 | 100,000/300,000 |
| Property Damage Liability | 10,000 | 50,000 |
| Uninsured Motorist Bodily Injury | Not required | 100,000/300,000 |
| Medical Payments | Not required | 100,000 |
| Collision | Not required | 500 deductible |
| Comprehensive | Not required | 500 deductible |
| Aggressive Driving | No state law |
| Cell Phones and Texting Laws | Cell Phone Ban: School Bus Drivers; novice drivers < 18. Text Messaging Ban: All driver ban |
| Inc. Penalty for High BAC | BAC 0.18 |
| Admin. License Susp. on 1st Offense | 30 – 120 days |
| Rural Interstate | 65 mph |
| Urban Interstate | 65 mph |
| Other Limited-Access | 65 mph |
Kentucky Department of Revenue – Motor Vehicle Division – click here for information on obtaining your driver’s license, requirements for ID cards, and vehicle registration.
Official State Kentucky Website
How to contact directly:
Kentucky Office of Insurance
215 West Main Street
Frankfort, KY 40601
Phone Toll Free: 1-800-595-6053
Compare Kentucky Car Insurance Companies that Offer the Lowest Rates in Your Area
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