Police Car Parked on the side of the road

Is Driving Without Insurance Okay?

There are only two states in the United States that allow drivers to drive without insurance – New Hampshire and Virginia. 


That said, all motorists in the state of Kentucky are required to have insurance. If you do hit the road without it, you will be notified that the registration of your vehicle is suspended unless you show your proof of insurance. There are many downsides to driving without insurance. You’re not only putting yourself at risk but this would also cost you money in fines, suspension of your driver’s license and vehicle, and jail time. 


Every state has its own imposed insurance requirements. For the state of Kentucky, the requirement is minimum bodily injury, personal injury protection coverage, and property damage. This includes the following: 


  • Personal injury protection
  • $25,000 for all claims for bodily injury damages by one person from one accident
  • At least $50,000 of bodily injury damages by all person from one accident
  • $25,000 for all property damage from one accident


It’s good to remember that your insurance isn’t only protection for you and your vehicle. It’s also your safety net, money-wise, in case of accidents on the road. It gives you peace of mind knowing that you don’t have to pay for the damages due to what happens on the road. 


Driving is a responsibility, not only for yourself or your family but with all the other cars that you’ll be sharing the public roads with. It’s part of your responsibility to get car insurance to protect yourself and the other drivers around you. 

Get vehicle insurance today

You can still get a policy today even if you’ve been driving around without insurance. You can get a policy that goes beyond what the law requires. There are several options available for you so you need to be careful in picking the right one. You can get inspiration from other insurers to know the best deals in the market today. You can then search for smaller insurance agencies in your community. They may offer you reasonably priced policies and may not focus on the fact that you’ve been driving your vehicle without insurance for a while. 


Aside from that, it is also wise to identify your needs early on. You should also know your goals and your present situation to the insurer. These factors will impact which insurance company you choose. There are companies that offer discounts for specific demographics and driving behaviors. Some examples of these discounts are: multi-policy coverage, safe student drivers, and defensive driving. 

London Insurance Agency is a local insurance agency with expert and experienced insurers. We have independent agents connected to more than one insurance company. This gives you more policy options that are based on your specific needs and budget. With wider coverage options, you can be confident that you’ll be getting the lowest possible policy without compromising the protection you want. If you’re around Corbin and London Kentucky, don’t hesitate to give us a call.