Non-owner car insurance in Kentucky

What companies offer non-owner insurance in Kentucky?

Prices were gathered for 8 companies, listed from cheapest upward.

Because Kentucky follows no-fault rules, even a policy for a driver who owns no car must provide basic reparation benefits. The proof filing here is linked mainly to crash judgments that go unpaid, not to traffic tickets.

What does a Kentucky non-owner policy have to include?

Kentucky sets a liability minimum of $25,000 for each person harmed, with a $50,000 total for every injury in a single crash. For damage to property, the required amount is $25,000. A single combined limit of $60,000 is allowed as well. Both options appear on the Transportation Cabinet page on mandatory insurance, under KRS 304.39.

When you cause a wreck, liability coverage pays the other people involved. Since the state uses no-fault rules, the policy also includes basic reparation benefits. They cover injury losses without determining fault first. Every month insurers send the Cabinet a report of all personal policies.

Kentucky's proof filing when a crash judgment goes unpaid

In this state, the filing is named proof of financial responsibility, which is what an SR-22 does elsewhere. The Financial Responsibility Law, KRS Chapter 187, is now built mainly around court judgments. KRS 187.410 says the Transportation Cabinet shall suspend your license upon getting a certified record of a crash judgment you haven't paid.

That suspension has no fixed ending. KRS 187.420 keeps it in force until each judgment has been stayed, settled, or discharged. A faster option is a court order that allows you to pay over time. Once you have that order and provide proof of financial responsibility, KRS 187.440 requires the Cabinet to give your license back. If you skip a payment, the suspension comes back.

The person you owe can also give you written permission to stay on the road. With that, the Cabinet may allow you to drive for six months. From then on, the permission may remain unless the consent is taken away.

If you own no car, a non-owner policy set at the Kentucky minimums can serve as that proof.

Returning to the road in Kentucky

A reinstatement or re-licensing fee of $40 may apply to a suspension. The Cabinet's license reinstatement page cautions that paying the fee alone will not restore your privilege. You still have to satisfy every other condition. When a suspension lasts over one year, you must also pass vision and written tests.

A different route applies to drivers suspended for DUI. Your suspension may be shortened through the Kentucky Ignition Interlock Program, whose checklist asks you to show a proof of insurance card. Contact the agent the moment the policy begins and request that card.

Kentucky costs, sorted by age

A teen's annual rate runs about $902. A 40-year-old who owns a car and carries the minimum cover averages $721 a year, which is about $222 above the $499 cost of a non-owner policy.