Kentucky has been a no fault State since 1975. No fault insurance places limitations on the injured parties ability to sue other drivers for damages. In no fault insurance, your auto insurance company will pay for your damages (up to your policy limits), regardless of who was at fault in the accident. Other drivers involved will be covered by their auto insurance companies.
Kentucky minimum liability limits; $25,000 per person for injuries you cause to the other parties, $50,000 total per accident, and $10,000 for damage you cause to the other party's property. Optional coverages such as medical payments, blanket umbrella, collision, comprehensive, and uninsured and underinsured motorists bodily injury coverage.
If you are convicted of DUI in Kentucky (Assuming your insurance company doesn't drop you immediately), your insurance costs will increase at least 30%. Buying insurance through a "high-risk" agency will cost substantially more.
If you are high risk (multiple tickets and/or accidents), you may have to go the Kentucky Automobile Insurance Plan. It was created to provide automobile insurance coverage to eligible risks who seek coverage and are unable to obtain such coverage through the voluntary market.
Below (again) are the minimal limits.
Proof of insurance is required when you register the vehicle, to be kept at all times in vehicle, and especially at the time of an accident. Your insurer must submit entire list of insurance in effect, which may be compared with registrations at a state agency. Penalties for driving without insurance in Kentucky is a $500-$1,000 fine and/or up to 90 days in jail.
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