Insurance requirement guides for Kentucky.
$25,000 / $50,000 / $25,000
Bodily injury per person / per accident / property damage, written 25/50/25
Set by KRS 304.39-110. Read off the statute on , and the figure every Kentucky guide on this site is checked against.
Compare it with every stateInsurance regulation
Registration and insurance verification
Kentucky has no state boat insurance mandate, but marina slip agreements on Kentucky Lake, Lake Barkley, and Lake Cumberland commonly require liability cover. Kentucky's massive houseboat fleet on Lake Cumberland needs specialized coverage beyond standard recreational boat policies.
Kentucky requires 25/50/10 minimum motorcycle liability, but the state's choice no-fault system doesn't apply to motorcyclists — riders operate under tort rules with no automatic PIP coverage for their own injuries. Helmets are required under 21 and in the first year of licensure.
Kentucky requires 25/50/25 liability plus $10,000 PIP coverage. Learn the state's unique choice no-fault system, tort options, penalties, and recommended coverage levels.
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Every guide on this page covers a Kentucky requirement: what the law makes you carry, who it applies to, and what happens without it. The auto liability minimum above is read off the statute itself, and each Kentucky guide on this site is checked against that same figure. The regulators linked above are where Kentucky publishes the rules, so they are the place to confirm anything before you rely on it.
