Key Kentucky facts: Insurance & Collisions
Minimum liability coverage is $25,000 for one person's bodily injury, $50,000 for all bodily injury in one accident and $25,000 for property damage, or a single limit of $60,000. Section Two, Insurance Law, PDF p. 27 Failing to maintain insurance is a criminal offense: the owner's registration is revoked, and the owner and driver face a $500 to $1,000 fine, up to 90 days in jail, or both. Section Two, Insurance Law, PDF p. 27 A person who buys a vehicle or brings one into Kentucky must apply for registration within 15 days. Section Two, Motor Vehicle Registration, PDF p. 27 There is no grace period for renewing registration; the owner is notified by mail at least 45 days before it expires, and not receiving the notice is no defense. Section Two, Motor Vehicle Registration, PDF p. 27 Vehicle registration is applied for with the county clerk in the owner's county of residence. Section Two, Motor Vehicle Registration, PDF p. 27 Sample Insurance & Collisions questions
Instead of separate limits, what single-limit policy meets Kentucky's minimum?
$60,000 $25,000 $100,000 $40,000 Show the answer
$60,000
A $60,000 single limit is an accepted alternative.
Source: Kentucky Driver Manual, Section Two, Insurance Law, PDF p. 27
What is the minimum bodily injury coverage for all persons in one accident in Kentucky?
$25,000 $300,000 $60,000 $50,000 Show the answer
$50,000
That is the per-accident figure in the 25/50/25 minimum.
Source: Kentucky Driver Manual, Section Two, Insurance Law, PDF p. 27
Driving without required insurance in Kentucky is what kind of offense?
A parking violation A civil matter only No offense if you are careful A criminal offense Show the answer
A criminal offense
It can bring jail time as well as a fine.
Source: Kentucky Driver Manual, Section Two, Insurance Law, PDF p. 27
When should you not file a Kentucky civilian collision report?
When damage is over $500 When a parked car was hit When the crash was on a state road When an officer investigated the crash Show the answer
When an officer investigated the crash
The civilian report is only for crashes that police did not investigate.
Source: Kentucky Driver Manual, Section Nine, Collisions, PDF p. 65
How much grace period does Kentucky allow for renewing a vehicle registration?
15 days 30 days 90 days None Show the answer
None
A mailed reminder comes at least 45 days ahead, and not getting it is no excuse.
Source: Kentucky Driver Manual, Section Two, Motor Vehicle Registration, PDF p. 27
You buy a car or bring one into Kentucky. How soon must you apply to register it?
Within 15 days Within one year Within 5 days Within 60 days Show the answer
Within 15 days
The 15-day deadline covers a newly bought vehicle and one brought in from another state.
Source: Kentucky Driver Manual, Section Two, Motor Vehicle Registration, PDF p. 27
Which document can serve as proof of insurance for the road test?
A repair shop receipt for the car A written binder from an insurance agent A bill of sale from the dealer The vehicle's certificate of title Show the answer
A written binder from an insurance agent
An insurance card or a current policy for the vehicle also works.
Source: Kentucky Driver Manual, Section One, Requirements for the Road Test, PDF p. 14
Where do you apply to register your vehicle in Kentucky?
Your insurance company The county clerk in your county Any driver testing site The Kentucky State Police Show the answer
The county clerk in your county
Registration goes through the county clerk where the owner lives.
Source: Kentucky Driver Manual, Section Two, Motor Vehicle Registration, PDF p. 27
What is Kentucky's minimum liability coverage for bodily injury to one person?
$10,000 $50,000 $100,000 $25,000 Show the answer
$25,000
The minimum is $25,000 per person, $50,000 per accident and $25,000 for property damage.
Source: Kentucky Driver Manual, Section Two, Insurance Law, PDF p. 27
What fine can an owner or driver face for not maintaining insurance in Kentucky?
$5,000 to $10,000 $500 to $1,000 $25 to $50 $100 to $200 Show the answer
$500 to $1,000
Up to 90 days in jail is also possible, and the registration is revoked.
Source: Kentucky Driver Manual, Section Two, Insurance Law, PDF p. 27
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About these questions
We wrote these practice questions from the facts in the Kentucky Driver Manual (Updated 7-23-26 (file name; PDF created 2026-07-27), read 2026-11-09. Page numbers cited are PDF pages (PDF page = printed page + 8). Where the manual gives no value, the Kentucky Transportation Cabinet's Graduated Driver Licensing page (drive.ky.gov) and Kentucky Revised Statutes 189.292 and 189.294 (apps.legislature.ky.gov, read 2026-11-09) are the source edition) and from official sources on road signs. Every answer links to its source, so you can check it and read more.
DMV Decoded is an independent guide, not a government agency. This practice test is not connected to the Kentucky State Police, and your actual test will have different questions. Study the handbook, and check the agency's website for current rules.
