Motorcycle Insurance in Kentucky

There’s nothing quite like riding through Kentucky, whether you’re cruising the winding roads of the Red River Gorge, rolling past the bluegrass fields of horse country, or taking in the lively streets of Louisville. No matter where your ride takes you, you’ll want reliable motorcycle insurance that keeps up with every twist, turn, and mile. With affordable rates, flexible coverage options, and a team that understands riders, GEICO makes it simple to get the protection you need.

Is Motorcycle Insurance Required in Kentucky?

Motorcycle insurance is required to legally operate a motorcycle in Kentucky. Proof of insurance is also required to register your bike with the Kentucky DMV. Riding without insurance can lead to serious consequences, including fines, suspension of your license and registration, and even the impoundment of your motorcycle, so you shouldn’t skip it.

Minimum Motorcycle Insurance Coverage Requirements in Kentucky

Like most states, Kentucky requires all bikers to carry a minimum amount of motorcycle insurance to protect the people on its roads.

Coverage Type What It Covers Kentucky Minimum Limits
Bodily Injury Liability Injuries you cause to others in an accident $25,000 per person / $50,000 per accident
Property Damage Liability Property damage you cause in an accident $25,000 per accident
Pedestrian Personal Injury Protection (PED-PIP) This covers a pedestrian you injure on a no-fault basis $10,000

Optional Motorcycle Insurance Coverages in Kentucky

State-mandated coverage is a great place to start, but it doesn’t address every situation you might face on or off the road. Many bikers choose to add coverage to their Kentucky motorcycle insurance for additional protection:

  • Collision Coverage: Helps pay for repairs to your motorcycle if it’s damaged in an accident with another vehicle or object, regardless of fault.
  • Comprehensive Coverage: Protects against non-collision losses, such as theft, fire, vandalism, or storm damage.
  • Emergency Roadside Service: Provides help if you’re stranded due to a flat tire, dead battery, or breakdown.
  • Custom Parts or Equipment Coverage: Protects custom upgrades and aftermarket equipment on your bike up to $2,000.

How Much Does Kentucky Motorcycle Insurance Cost?

The cost of motorcycle insurance in Kentucky depends on a variety of factors unique to each rider. Insurance companies consider the age and type of motorcycle you own, your driving history, and where you live in the state. The amount of coverage you choose will also affect your premium. GEICO offers affordable motorcycle insurance and motorcycle insurance payment plans to help Kentucky bikers get the coverage they deserve without breaking the bank.

Discounts on Kentucky Motorcycle Insurance

Looking for ways to save on coverage? Kentucky riders can access many motorcycle insurance discounts and savings opportunities through GEICO, including:

  • Motorcycle policy transfer: Earn a discount when you transfer your motorcycle insurance to GEICO®.
  • Multi-Cycle discount: Lower your premium by insuring multiple motorcycles with GEICO.
  • Experienced rider discount: Get rewarded for years of experience driving a motorcycle.
  • Insurance renewal: You may be eligible for a discount when you renew your motorcycle insurance with GEICO.
  • Safety course: Pick up safe driving tips and reduced rates for completing a Motorcycle Safety Foundation Course.
  • Instructors: Current Motorcycle Safety Foundation instructors may qualify for a discount on coverage.

Why Choose GEICO for Kentucky Motorcycle Insurance?

Thousands of riders across the country trust GEICO to protect them on the road, and Kentucky motorcyclists are no exception. With a long-standing reputation for reliability, GEICO offers motorcycle insurance that’s built around your needs, whether you’re commuting through Lexington traffic or cruising the scenic byways of the Cumberland Gap. Our policies are designed to give you peace of mind so you can focus on enjoying the ride.

When you choose GEICO, you get more than just affordable coverage. You’ll benefit from a fast and hassle-free claims process, digital tools like the GEICO Mobile app, flexible protection for nearly every type of motorcycle, and excellent customer service available when you need it most.

Get a Free Kentucky Motorcycle Insurance Quote

Ready to protect your ride in the Bluegrass State? Get a fast, free Kentucky motorcycle insurance quote from GEICO, or contact us for tailored guidance you can count on. Have more questions? Visit our Motorcycle FAQs page for more information.

Motorcycle Insurance in Kentucky FAQs

  • Can I bundle motorcycle and auto insurance in Kentucky?

    Yes, you can bundle your motorcycle and auto insurance in Kentucky through GEICO. Doing so simplifies policy management and may unlock a multi-policy discount.

  • Does Kentucky have a helmet law for motorcycle riders?

    Yes, Kentucky law requires all motorcycle riders under the age of 21 to wear a helmet. You must wear a helmet regardless of age if you have a motorcycle permit or have had your motorcycle license for less than one year. Even if you’re not legally required to wear one, GEICO encourages all riders to wear a DOT-approved helmet for added safety.

  • Do I need a motorcycle license or endorsement in Kentucky?

    Yes, you need a motorcycle license or a motorcycle endorsement added to your driver’s license to legally operate a motorcycle in Kentucky. Riders typically start with a permit before earning their full endorsement, which requires passing knowledge and skills tests.

  • Does taking a motorcycle safety course lower my insurance in Kentucky?

    Yes, taking a motorcycle safety course can lower your insurance premium in Kentucky. It’s also a great way to pick up skills that will help you stay safe on the road.