Motorcycle Insurance: Kentucky

Need to insure a motorcycle in Kentucky?

If you want to track down the right insurance policy for your motorcycle or scooter, you need to check out current Kentucky motorcycle insurance quotes and discounts from a vast variety of insurers.

This is exactly why we offer this service: to enable you to compare plans from top rated insurers – on the web!

Motorcycle Insurance: Kentucky Requirements

Kentucky motorcyclists do have to insure their bikes. You may already know, motorcycle liability insurance protects the net worth of the policyholder in the event of lawsuit or damage award granted to another in a court of law.

Listed here are the Motorcycle insurance minimum requirements in Kentucky:

  • Bodily Injury Liability Limit for Single Individual: 25
  • Bodily Injury Liability Limit for Everyone in Accident: 50
  • Liability Limit for Damage to Property: 10

Obviously, the aforementioned figures are in 1000’s of dollars.

Alternatively, Ky residents may opt for a single $60,000 limit.

KY UM/UIM Coverage For Motorcycles

Guess what percentage of Kentucky car owners are not insured? 12%! Throwing a leg over a motorcycle is a bit more hazardous than getting behind the wheel of a car or truck, and riding among all these uninsured motorists only increases the risk. It goes without saying, the bike, not to mention its owner, typically suffers a lot of damage in any wreck with a car or truck. You don’t want to wind up being hit with damages for which you weren’t to blame – add uninsured motorist (UM/UIM) coverage to your protection plan. This sort of coverage protects a policyholder from uninsured motorists and hit-and-run drivers.