Kentucky Motorcycle Info: Insurance, Licensing, Safety, and More
Motorcycle Insurance & Requirements
Motorcycle insurance is required for motorcycles in Kentucky. There is a minimum compulsory liability of:
- Bodily Injury Liability Limit for Individual: $25,000
- Bodily Injury Liability Limit for Every Person in Accident: $50,000
- Property Damage Liability Limit: $10,000
When looking for insurance quotes in Kentucky, you may want to begin by looking at our review of insurance companies or get more detailed information on motorcycle insurance companies from the state regulator's website. You can see the full list of licensed insurers in the state plus get many other useful resources including information on how to file a complaint by visiting the state insurance division web site.
Licensing and Registration
Please visit these Kentucky websites for updated and detailed information
Helmet Laws
Helmet law is applicable to people of under 21 years old. Those 21 years and older may ride without helmets only if they can show proof that they are covered by a medical insurance policy. We strongly advocate the use of helmets at all times for all riders and passengers to protect from injuries.
Use our specialized search to find Kentucky motorcycle resources
Motorcycle Safety Schools and Training Programs
Many states offer motorcycle safety training programs and most insurance companies will offer discounts to bikers that have completed a certified course.
Below is a partial list of The Motorcycle Safety Foundation Certified Safety courses in Kentucky. See www.msf-usa.org for a complete and updated list
- Louisville - Air National Guard (military Only)
- Bowling Green - Knicely Conference Center - South Campus
- Fort Knox - Fort Knox (military Only)
- Georgetown - Balance Dynamics-georgetown
- Morehead - Morehead State University
- Richmond - Eastern Kentucky University
- Frankfort - Boone National Guard Center
- London - Wildcat Harley-davidson
Accidents and Safety in Kentucky
According to the National Highway Traffic Association and Federal Highway Administration, in 2008 there were 64,994 motorcycles registered in Kentucky with only 93 motorcycle accident deaths in the state.
| State | Registered Motorcycles | Motorcycle Riders Killed | Percent Helmeted | Percent Not Helmeted | Impaired Riders Killed (BAC=.01+) |
| KY | 64.994 | 93 | 40% | 60% | 28% |
| OH | 368.957 | 194 | 30% | 70% | 36% |
| WV | 48.435 | 49 | 77% | 23% | 31% |
| VA | 82.602 | 82 | 93% | 7% | 46% |
| TN | 151.368 | 134 | 89% | 11% | 31% |
| MO | 99.025 | 102 | 77% | 23% | 36% |
| IL | 332.031 | 121 | 26% | 74% | 47% |
| IN | 204.402 | 119 | 24% | 76% | 35% |
Sweet Rides in Kentucky
Here are some of the designated highways to consider for a ride. Enjoy the beautiful vistas the state has to offer bikers.
- Country Music Highway
- Great River Road
- Lincoln Heritage Scenic Highway
- Red River Gorge Scenic Byway
- Wilderness Road Heritage Highway
- Woodlands Trace
Biking Clubs
- United Riders MC
- Pale Horse Riders MC
- Old Coots on Scoots Bluegrass Riders
- Necessary Evil LE/MC
Useful Resources
Learn about motorcycling in neighboring states
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