Classic American truck on scenic Kentucky highway with horse farms
Kentucky Coverage Specialists

Trucking Insurance in Kentucky

Get connected with trucking insurance specialists who understand Kentucky’s unique KYU tax, no-fault laws, and KYTC requirements. Compare competitive rates from carriers operating in the Bluegrass State.

Call for KY Quote: (405) 963-3920

Operating a Trucking Business in Kentucky

Operating a trucking business in Kentucky places you at a critical junction of American commerce. Whether you’re an owner-operator based in Louisville, a fleet serving the heavy manufacturing sectors of Lexington, or an interstate carrier navigating the vital I-65 and I-75 corridors, your insurance needs are shaped by Kentucky’s specific regulatory environment.

Kentucky is unique for several reasons: it is a "no-fault" state for commercial vehicles, requiring Personal Injury Protection (PIP), and it enforces the KYU Weight Distance Tax for heavier vehicles. This means your compliance checklist is slightly longer than in neighboring states. From the high-volume automotive logistics around Georgetown to the bustling air-to-truck hubs at the Louisville Muhammad Ali International Airport (UPS Worldport), the risks are diverse. Our trucking insurance specialists understand the nuances of the Kentucky market, including mandatory Form E filings with the Kentucky Transportation Cabinet (KYTC).

Kentucky Insurance Requirements

Federal Requirements (Interstate)

Interstate carriers based in or traveling through Kentucky must meet FMCSA minimums.

  • Primary Liability: $750k ($1M for brokers)
  • Cargo: Required for for-hire

Kentucky Intrastate (KYTC Authority)

The Kentucky Transportation Cabinet (KYTC) oversees intrastate For-Hire Certificates.

Mandatory State Filings

Form E: Proof of liability insurance filed by insurer with KYTC.

Form H: Required for for-hire property carriers (Cargo proof).

KYU License: Required for vehicles >59,999 lbs combined weight.

General Freight (>10k lbs)
$750,000 CSL
Personal Injury (PIP)
$10,000 (Mandatory)

Coverage Types Required in Kentucky

Primary Liability (Form E)
Cargo (Form H)
Non-Trucking Liability
PIP ($10k Min)
Workers' Compensation

*Workers' Comp is mandatory for KY employers.

Major Freight Corridors

  • 01
    I-65 North-South

    Connecting Midwest to South; heavy manufacturing volume.

  • 02
    I-75 Automotive

    "Auto Alley" route linking assembly plants across states.

  • 03
    Spaghetti Junction

    Louisville interchange area; high accident frequency.

KY Industries & Risks

  • Automotive

    Hauling for Toyota/Ford requires Just-In-Time reliability.

  • KYU Tax

    Weight-distance tax for heavies (>60k lbs) requires strict mileage tracking.

  • Air Freight

    UPS Worldport hub drives massive local distribution volume.

What Affects Your Kentucky Rates

Kentucky rates are moderate, but compliance with PIP and KYU impacts total cost.

Location

Louisville/Northern KY urban areas pay more than rural depots.

PIP Cost

Mandatory "No-Fault" coverage adds a fixed cost to every policy.

Safety Score

KSP is active at scales; clean inspections are key to savings.

Frequently Asked Questions

Get Your Kentucky Quote

Navigate KYU compliance and Bluegrass routes with confidence.

(405) 963-3920

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Protect Your Kentucky Operation

Every day without proper insurance puts your Kentucky trucking business at risk. Get the coverage you need to operate legally and confident.

Call (405) 963-3920 for Quotes