By State / Kentucky
Insurance in Kentucky for military families
Moving to Kentucky? Here are the state's auto insurance minimums, the weather risks to plan for, and where to confirm the rules.
Near major installations
Where military families land.
- Fort Campbell
- Fort Knox
State minimum auto coverage
$25,000 / $50,000 / $25,000 plus $10,000 PIP
Liability limits plus personal injury protection; Kentucky is a choice no-fault state.
A legal minimum is not a recommendation. Many drivers choose higher limits. Source: Kentucky Department of Insurance
Risks to plan for
Know the weather before you sign.
Tornadoes and severe storms
River flooding
Winter ice storms
Flood and earthquake damage are generally excluded from standard homeowners and renters policies. Check flood risk for your exact address at FloodSmart.gov.
A clearer conversation
Questions, answered.
01Do I have to register my car in Kentucky?
Under the Servicemembers Civil Relief Act, servicemembers may keep their legal residence in another state in some cases. Registration and insurance rules still need checking. Confirm with your installation legal office and the Kentucky Department of Insurance.
02Will my current policy work after I move?
Tell your insurer before you move. Your current company may not write policies in the new state, and limits must meet the new state minimum.
Draft educational guidance for owner and compliance review before publication. Figures are taken from the official source listed and can change; confirm current requirements with that source. MilitaryInsure is not a carrier or licensed insurance agency and does not provide individual insurance advice. All state guides
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