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Kentucky Motorcycle Insurance Requirements

Kentucky Motorcycle Insurance Requirements

Kentucky is located in the eastern south-central area of the United States and is considered a “commonwealth.” This state has the highest populations of deer and turkey per capita in the entire U.S.  It also has the largest wild elk herd east of the Mississippi River. Many individuals refer to Kentucky as the “Bluegrass State” which symbolizes the bluegrass that can be seen in many pastures throughout the state due to its exceptionally rich soil.

This is a state known for its natural resources, wildlife, and scenery including the Mammoth Cave National Park which hosts some of the longest waterways, streams, and man-made lakes in the United States. The economy in Kentucky is concentrated towards: agriculture, auto manufacturing, energy fuel production, and medical treatment facilities. The state is also known for horse racing (e.g. Kentucky Derby), tobacco, Kentucky Fried Chicken, college basketball, and bluegrass music.

Kentucky Motorcycle Insurance Requirements

If you live in the “Bluegrass State,” do you know the various requirements that must be met before operating a motorcycle? Most states require some sort of insurance so that if you get into an accident, you have adequate coverage to help pay for the damages that you cause. Before you operate any 2-wheeled vehicle in the state of Kentucky, you need to establish financial responsibility.

How to Establish Financial Responsibility in Kentucky

Many states have a variety of ways in which you can demonstrate financial responsibility. Showing responsibility just means that you need to prove that you have sufficient funds to pay others for damages that you could potentially inflict in an accident.

  • Purchase Liability Insurance – Find a licensed insurer and buy liability coverage for your motorcycle.  Once the policy is active, you are good to go.

In this state, you really only have one option to show financial responsibility – buy an insurance policy.

Motorcycles / Two-Wheeled Vehicles Defined

It is important to understand the proper classification of your 2-wheeled vehicle before driving it. Each two-wheeled vehicle has different legal requirements for driving and insurance. For this reason it is important to make sure that your vehicle is correctly classified. If you have questions about what definition best matches your two-wheeled vehicle, you can contact the Kentucky DMV at the following number: (502)-564-1257.

Motorcycle:  Any motor-driven vehicle with a seat or saddle for the driver that is designed to travel on not more than 3 wheels in contact with the ground. This must not meet the definition of a moped. All motorcycles are subject to insurance laws and registration laws. Operators must meet proper licensing requirements.

Moped:  A motorized bicycle with a frame that includes horizontal crossbars to support a fuel tank. These must be rated 2-brake horsepower or less and not exceed 50 cc of cylinder capacity. These must also have an automatic transmission and not exceed 30 mph. These still need to be registered and insured. The operator also needs to meet licensing requirements.

Scooter:  A scooter is not well-defined in the Kentucky Revised Statutes. Scooters are considered smaller than mopeds and typically have a flat surface to rest the feet while driving. They also typically have handlebars and a seat for the operator. The engine capacity and overall size is smaller than a moped. Due to the lack of power and speed, Kentucky doesn’t require Scooters to be registered or insured.

Kentucky Motorcycle Insurance Minimum Requirements

Below are the insurance requirements that must be met in order to legally operate your motorcycle in the state of Kentucky. Keep in mind these numbers as a reference for the minimal amount of coverage required as you shop for a policy.

Liability Insurance:

  • $25,000 bodily injury per person

  • $50,000 bodily injury per accident

  • $10,000 property damage per accident

It is important to keep in mind that if you get into a serious accident, the minimums may not be enough to keep you financially protected. If you already have a policy, but only the minimum amount of coverage, you may want to consider speaking with your provider about increasing your limits just to be safe. If you are comfortable with the minimum amount of protection, just make sure your policy meets the requirements above.

No-Fault Insurance:  This type of coverage is completely optional for motorcycles and mopeds in the state of Kentucky. If you have this type of coverage, your insurer will provide compensation when individuals are injured, need medical treatment, lose employment wages, and/or need other services – regardless of who caused the accident. This type of protection can help, but it also may limit your right to file a lawsuit against another driver if they are at-fault.

Kentucky Law: Safety & Licensing Requirements

Each state has different laws when it comes to driver’s safety and licensing. You need to be aware of whether you need to wear a helmet, eye protection, as well as the type of license you need to ride your two-wheeled vehicle.

  • Helmets – If you are under 21 years of age, you must wear a helmet at all times. You also must wear a helmet if you have an instructional permit OR have had a motorcycle license for less than a full year. All helmets must be in compliance with the FMVSS 218 standard.
  • Eye Protection – All drivers are required to wear official eye protection while operating a motorcycle. Make sure you have proper goggles or eye-wear before you drive.
  • Licensing – To legally operate your motorcycle, you must get a Class M License or obtain a motorcycle endorsement on your current driver’s license. State-approved motorcycle rider courses may be taken as an alternative to the skills test to obtain your license.
  • Headlights – You are NOT required to use headlights during the daytime in Kentucky.

Proof of Insurance in KY

When you buy an insurance policy in the state of Kentucky, your insurance provider is required to report your coverage information to the Department of Insurance (DOI) as well as the Department of Motor Vehicle Regulation (DMVR). This reporting is done electronically and allows the state to track insurance status of state residents.

  • Insurance Identification Card – Most insurance companies will issue you an Insurance ID Card. This contains your policy number, date of expiration, and insurance contact information.

Although information is collected, insurers are not required to report expired coverage or cancellations – so you are required to show proof of insurance whenever asked. If you are pulled over by a police officer, you need to have your insurance card handy to show them. By showing them your insurance card, they will be able to verify that you are insured and up-to-date with coverage.

Penalty for Lack of Insurance in KY

If you don’t have sufficient insurance, you are going to get into legal trouble. If you get into an accident without coverage, not only will you be in trouble with the law, you could end up paying a lot of money out-of-pocket for the damages that you caused. Always make sure that you have up-to-date insurance as well as proof of coverage so that you can avoid the penalties listed below.

  • Fines: Law enforcement will not hesitate to fine you for not having insurance. The amount you are fined will vary depending on the number of past-offenses, but will likely be over $100 for your first offense.
  • Revoked License: If you fail to show proof of insurance, you could end up with a revoked driver’s license. You will have to wait months before you can get your license reinstated.
  • Suspended Registration: The registration for your motorcycle will be suspended. In other words, no one will be able to ride your bike while it has no registration.
  • Reinstatement Fees: In order to get your license and registration reinstated, you will have to fill out paperwork through the Kentucky Division of Motor Vehicle Licensing. These fees will be upwards of $100 as well.

Kentucky Insurance Companies

It is not always easy when it comes to shopping for an insurance policy for your motorcycle. How can you find a policy that meets state requirements from a trusted company? Finding a trusted company may be tough for many people – that’s why we have made things easier. In order to find a quality company in your exact location, simply use the form below (or at the top of the page) to enter your Zip Code.

A list of the top insurers in your specific location will be shown – all you need to do is get quotes from each one. When you have gotten quotes from each of the top providers, you can decide on the single company that provides the most coverage for your money. In no time, you’ll be enjoying the roadways and awesome scenery of Kentucky.

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