Question 1

What does non-owner car insurance cover in Kentucky?

Accepted Answer

A Kentucky non-owner policy covers bodily injury liability (25/50 minimum), property damage liability ($25,000 minimum), and personal injury protection ($10,000 minimum). It does not cover collision, comprehensive, or any physical damage to the car you're driving, because you own no vehicle. The policy is secondary and sits behind any coverage on the car actually driven.

Question 2

Can I get an SR-22 without owning a car in Kentucky?

Accepted Answer

Yes. A non-owner policy can file the SR-22 certificate the Kentucky Transportation Cabinet requires after a DUI or uninsured accident. Geico, Progressive, and Dairyland write non-owner SR-22 policies in Kentucky. The filing period is typically 3 years from the conviction date, and the carrier files the certificate electronically with the state.

Question 3

Which carriers write non-owner insurance in Kentucky?

Accepted Answer

Geico, Progressive, Dairyland, and USAA write non-owner policies in Kentucky. Among these, Geico, Progressive, and Dairyland also file non-owner SR-22s. State Farm writes SR-22 policies in Kentucky but non-owner availability is not confirmed. Carrier availability and filing capability change periodically.

Question 4

Does Kentucky require PIP on a non-owner policy?

Accepted Answer

Yes. Kentucky is a no-fault state, so personal injury protection is required on every policy including non-owner. The minimum is $10,000 PIP, which covers your medical expenses and lost wages regardless of fault. This is the one first-party coverage a non-owner policy carries.

Question 5

How long does an SR-22 filing last in Kentucky?

Accepted Answer

Kentucky requires SR-22 filing for 3 years after a DUI or uninsured accident, measured from the conviction date. The carrier files the certificate electronically with the Kentucky Transportation Cabinet. If the policy lapses or cancels during the 3-year period, the carrier notifies the state and your license may be suspended.

Question 6

Is a non-owner policy cheaper than standard auto insurance in Kentucky?

Accepted Answer

Yes, because a non-owner policy carries no collision or comprehensive coverage. It provides only liability and PIP, so the premium is lower than insuring an owned vehicle. Rates vary based on your driving history and whether you need an SR-22 filing.

Question 7

What is Kentucky's hardship license for drivers without a car?

Accepted Answer

Kentucky offers a Hardship License through District Court petition for drivers whose licenses are suspended. First DUI offense requires a 30-day hard suspension before hardship eligibility. The court may require proof of SR-22 insurance, and a non-owner policy satisfies this requirement. Ignition interlock is required for DUI-related hardship licenses under KRS 189A.340.

Coverage	Minimum
Bodily Injury (per person)	$25,000
Bodily Injury (per accident)	$50,000
Property Damage	$25,000

Non-Owner Car Insurance — Kentucky

Kentucky Minimum Coverage

Get non-owner SR-22 coverage without owning a vehicle

Coverage Types

Non-Owner Liability Insurance

Non-Owner SR-22 Insurance

Uninsured Motorist Coverage

Non-Standard Auto Insurance

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