Do I need auto insurance to apply for a KY drivers license? Kentucky

New Driver Checklist
No. You don't need to show proof of auto insurance coverage when you apply for a Kentucky learners permit or a drivers license. Most young drivers don't even own a car and won't have their own auto policy, anyway, but instead will fall under the coverage of a parent or guardian.

KY Car Insurance Requirements

Curious about the minimum liability insurance limits for Kentucky? Here they are:

  • $25,000 of bodily injury liability per person in an accident.
  • $50,000 for all bodily injuries per accident.
  • $10,000 of property damage liability per accident.

Insurance Rates

When it's time for you to take out your own car insurance policy, it's imperative to shop around for the best rates and coverages. Otherwise, you could be paying way too much for too little protection. Some sites allow you to look at multiple insurance quotes at once, which saves a great deal of time and makes for easier comparison shopping.

Other Driver License Issues


Have any other questions regarding car insurance requirements or getting your drivers license? Call the KY DDL at (502) 564-0278.

Enter your Zip Code below to get a Free Quote. We suggest getting quotes from multiple companies to ensure you get the best rate. There is no obligation to purchase.

  • You could save 15% or more
  • 24 hour claims service
  • Get a FREE instant quote, today!

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