Almost every state (except New Hampshire and Virginia) requires its licensed drivers to have a minimum amount of insurance coverage. The required insurance generally includes bodily injury liability coverage and property damage liability coverage in certain minimum amounts.

The cost of insurance is affected by many factors, including the driver’s driving record. A single speeding ticket can increase your insurance rates by as much as 25-30%, and more serious offenses such as DUI/DWI, street racing, or hit-and-run can increase the cost of your insurance by 75% or more.

A driver who has received a ticket or citation for a criminal offense or traffic violation with the potential to increase their insurance rates may want to consult with a lawyer who has relevant experience and expertise.

In Kentucky, as in most states, drivers are required to carry a minimum amount of auto insurance. Kentucky is a 'choice no-fault' state, meaning drivers can choose between a no-fault system and the traditional tort system when it comes to car insurance. If a driver opts for the no-fault system, they must carry personal injury protection (PIP) benefits, as well as liability insurance that includes bodily injury liability and property damage liability coverage. The minimum liability limits in Kentucky are $25,000 for all claims for bodily injury per accident, $50,000 for all bodily injuries per accident, and $25,000 for property damage per accident. Insurance rates in Kentucky can be influenced by a driver's record, with traffic violations such as speeding tickets, DUI/DWI, and other serious offenses potentially leading to significant increases in insurance premiums. Drivers in Kentucky who have received citations or are facing charges that may impact their insurance rates should consider consulting with an attorney who specializes in traffic violations or criminal defense to explore their options and potentially mitigate the consequences.