The Kentucky Legislature has mandated a crackdown on uninsured motorists across the Commonwealth. Owners of personal vehicles shown to have been without insurance will receive notices that registrations for their personal vehicles will be canceled if they do not obtain required insurance or show proof of existing insurance. The mandatory insurance initiative is aimed at plugging an enforcement gap that enables drivers to skirt the law by dropping coverage once their vehicles have been registered.

You must have insurance

An owner may not operate a vehicle in Kentucky until insurance has been obtained. An owner who fails to maintain insurance on his vehicle shall have his vehicle registration revoked according to statute. In addition, the vehicle owner as well as the vehicle driver are subject to a fine of $500.00 to $1,000.00, up to 90 days in jail, or both. All owners of motor vehicles in Kentucky are required to carry minimum liability coverage. This means liability coverage of $25,000.00 for all claims for bodily injury damages sustained by any one person and not less than $50,000.00 for all bodily injury damages sustained by all persons as a result of any one accident, as well as $10,000.00 for all property damage as a result of any one accident. Alternatively, a policy with a single limit of $60,000.00 is acceptable. In addition, the policy must provide basic reparations benefits, unless the insured vehicle is a motorcycle.

Moving to Kentucky?

KRS 186.020 states that a person who brings a motor vehicle into the Commonwealth of Kentucky shall make application for registration within fifteen (15) days in the county in which the person resides.

Regulation and Requirement

Insurance is year-round / Seasonal Vehicles / Historic Vehicles

If your vehicle has a current, active registration, you must maintain insurance on that vehicle. If you do not plan to keep your registration current, you must turn in your license plate to the County Clerk's office and can cancel your insurance without penalty.

Some owners of seasonal vehicles such as motorcycles or RVs are accustomed to dropping the insurance on these vehicles during the months they are not being driven. To avoid penalties for a lack of insurance, the owners of these vehicles must turn in their license plate to the County Clerk's office prior to cancelling their insurance policy. When it is time to put the vehicle back on the road, secure proof of insurance and present the proof to the County Clerk. At that time, the clerk's office will allow registration of the vehicle.

Much the same as seasonal vehicles, owners of vehicles with Historic license plates sometimes drop the insurance while the vehicle is not being driven, but fail to surrender the license plate to the County Clerk's office. This will cause an uninsured notice to be mailed because the Divison of Motor Vehicle Licensing has record of a registered vehicle without an insurance policy being reported each month. To avoid any penalties for a lack of insurance, turn in the license plate to the County Clerk's office prior to cancelling the insurance policy.  When the time comes to get the vehicle back on the road, present proof of insurance to the County Clerk's office and the vehicle can be registered.

Exceptions

Attending college inside OR outside Kentucky

KRS 186.430 states that a student can keep home-state registration and insurance as long as they keep a current student identification card fr om a Kentucky college, university, or technical college in their possession at all times when driving in the Commonwealth of Kentucky.

If you (or your child) are attending a school outside the state of Kentucky, you should check with that state to verify that state's registration requirements.

Exemptions

Active Duty Military

Active duty military personnel are able to use out of state insurance to title and register any vehicle titled in their name here in Kentucky. When registering a vehicle, if it is recorded as a standard personal policy at the County Clerk's office rather than  a military personal policy it will cause the vehicle to be flagged as being possibly uninsured. This is due to the insurance company not being required to send the Division of Motor Vehicle Licensing a report of insured VINs each month.  The Insurance System will not find a match because Kentucky does not require active duty military insurance policies to be reported each month. If you are currently on active military duty and you receive an uninsured notice letter, show proof of your active military service (pay stub, I.D.) to the County Clerk's office to resolve the issue.

Temporarily living outside of Kentucky

If a vehicle is registered in Kentucky it must be insured by an insurance company admitted to do business in Kentucky or where you may temporarily be working. You should check with the state where you are temporarily residing to verify that state's registration requirements. ​​

Letters

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Did you receive an uninsured notice letter?

If no, you did not receive an uninsured notice letter
Please take a minute to browse through our information regarding mandatory vehicle insurance. If you have questions about vehicle title/registration, please visit http://mvl.ky.gov.

Does the VIN on your insurance card match the VIN on the letter?

Do you have a commercial policy for the vehicle described in the uninsured notice letter?

If no, the VIN on your insurance card does not match the VIN on the letter
If your VINs do not match, the error could be with the insurance company or the County Clerk's office. Please verify if the VIN is wrong on the card or letter. If the insurance card is wrong, contact the County Clerk's office or the Division of Motor Vehicle Licensing to provide proof of insurance prior to contacting your insurance company to get a new insurance card. If the VIN on the letter is wrong, you will need to have your title corrected at the County Clerk's office because the VIN on the letter will be the VIN on your title. A full listing of County Clerks and their contact info can be found at http://mvl.ky.gov.

Are you currently in the military on active duty?

If yes, you are currently in the military and on active duty
Contact your County Clerk's office to have your status changed from a personal policy to a military policy. The County Clerk's office will need proof of active duty service in order to keep documentation on file.

Are you self-insured or federally insured?

If yes, you are self-insured or federally insured
Contact your County Clerk's office because there is an error with your policy type and it will need to be corrected to show self/federal insurance. A copy of your proof of insurance will be kept on file at the County Clerk's office.
If no, you are not self-insured or federally insured
Current proof of insurance will need to be shown to the County Clerk's office. Your VIN was not reported by an insurance company to the Kentucky Transportation Cabinet. As a result, we have no verification that insurance remains in force for your vehicle. Contact your County Clerk's office to find out how you can provide proof of insurance.
If yes, you have a commercial policy for the vehicle described in the uninsured notice letter
Contact your County Clerk's office to have your status changed from a personal to a commerical policy.

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