Last updated: June 2023

Owensboro, KY Auto Insurance

There’s so much to see and do in the Owensboro area; soccer games for the kids, festivals, and the Ohio River’s riverfront to explore. But before you embark on your next adventure, it’s important to remember that affordable auto insurance coverage is a must. Since 1991, we’ve helped people find the right insurance to match their needs, no matter what their credit or insurance histories look like. If you’re searching for the best cheap car insurance in Owensboro, KY, call Direct Auto.

Owensboro, KY Minimum Car Insurance Requirements

Kentucky auto insurance policies must at least meet the state’s minimum liability coverage limits, typically expressed as three numbers (representing thousands of dollars) separated by slashes. For example, the liability limits in Kentucky are 25/50/25, and they help pay for bodily injury and property damage claims after an accident that is primarily your fault. In addition to liability coverage, Kentucky drivers are also required to carry Personal Injury Protection, which is often referred to as “PIP” coverage.

If you’re still confused what your insurance policy must include, please refer to the chart below.


Is It Required by Law?

Bodily Injury Liability Coverage provides financial protection if you cause an accident that injures another person. It helps pay for their medical expenses and your legal services (if necessary).

Yes. $25,000 bodily injury per person/$50,000 bodily injury per accident.

Property Damage Liability Coverage helps pay to repair or replace other people’s property that is damaged in an accident you cause. It typically involves damage to another vehicle, but it could help pay to repair a house, fence, mailbox, and more.

Yes. $25,000 property damage per accident.

Uninsured/Underinsured Motorist Coverage (UM/UIM) helps pay for your medical bills and related expenses if the other driver has no coverage (UM), insufficient coverage (UIM), or can’t be identified due to hit and run. In some states, UM/UIM can also help pay for property damage.

Not required but included in policies by default unless rejected in writing.

Personal Injury Protection helps pay for your medical and related expenses stemming from an accident, regardless of fault.

Yes. $10,000 Basic PIP coverage or $10,000 Guest PIP coverage (for passengers and pedestrians) if each household member rejects Basic PIP.

Collision Coverage helps pay to repair or replace your vehicle if you collide with another car, tree, guardrail, or another object, regardless of fault.

Not required.1

Comprehensive Coverage helps pay to repair or replace your vehicle if it’s damaged by something other than a collision, like fire, floodwaters, falling branches, vandalism, or contact with an animal.

Not required.1

1Your lender may require these coverages if you lease or finance your vehicle.

Owensboro, KY Proof of Financial Responsibility & Penalties

Thinking about getting behind the wheel without coverage? Think again! Kentucky drivers who are caught driving without coverage face severe consequences that can include fines, registration revocation, license suspension/revocation, and potential jail time. However, the exact punishment depends on which offense it is and your specific circumstances. For example, for a first offense, Kentucky drivers face a fine of up to $1,000, up to 90 days in jail, and registration suspension.

In addition to these penalties, you’d also be forced to pay for medical bills and vehicle repairs out of pocket for any accident you cause, and car accident costs are typically quite expensive. Therefore, it’s important to avoid coverage lapses by maintaining continuous coverage and never driving uninsured.

SR-22 Insurance in Owensboro, KY  

In many states, high-risk drivers are also required to keep an SR22 (also known as a certificate of financial responsibility) on file with the state verifying they have purchased auto insurance coverage that satisfies the state’s minimum coverage requirements. Kentucky doesn’t require SR-22 filings, but if you ever move to a new state, you might be required to file one if you’ve:

If you have questions about SR-22 filings, we’d be happy to help. Direct Auto specializes in helping drivers find affordable car insurance coverage, regardless of their driving or insurance history. Give us a call today.

Kentucky Regional Auto Insurance

Depending on where you live, you might have specific wishes or “must-haves” in mind for a car insurance policy. After all, some people encounter busy traffic where they live while others drive on quiet streets with far fewer accidents. But no matter what city you call home in the Bluegrass State, we’re here to help you get covered.

Bowling Green, KY, Auto Insurance

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Other Kentucky Auto Insurance Resources

Get Covered with Direct Auto Insurance!

Have a question for us at Direct Auto? Need to start a policy? Just want to talk? Call us at 1-877-GO-DIRECT. For common questions, you can also consult our FAQs page.

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