Kentucky: Insurance and registration Practice Test
Kentucky’s required insurance coverage, proof of insurance, vehicle registration and crash reports.
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Questions are original and based on the official manual "Kentucky Driver Manual" (Updated July 23, 2026), Kentucky State Police.
All 25 questions in this practice test
Take the test above first, then use this list to study. Tap “Show answer” to see the correct answer and explanation.
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What two things are required of a vehicle used for the road test?
- It must be owned by the applicant and have an automatic transmission
- It must have a current inspection sticker and a full tank of fuel
- It must be properly registered and have proof of liability insurance
- It must be insured in the name of the supervising driver
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Correct answer: It must be properly registered and have proof of liability insurance
Vehicles used for testing must be properly registered, and proof of liability insurance is required.
Source: Kentucky Driver Manual (Updated July 23, 2026), page 6 · Open this page in the manual (Manual page 6)
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Which of these is accepted as proof of liability insurance for the road test vehicle?
- A verbal statement from the insurance agent
- A binder, in writing, from an insurance agent
- A receipt showing the last premium payment
- A copy of the vehicle title
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Correct answer: A binder, in writing, from an insurance agent
Accepted proof includes a proof-of-insurance card, a current policy for that vehicle, or a written binder from an insurance agent stating insurance is in force.
Source: Kentucky Driver Manual (Updated July 23, 2026), page 6 · Open this page in the manual (Manual page 6)
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What must be true of a rental car used for the road test?
- It must be rented for at least seven days
- The rental company must have a representative at the test site
- A parent must be listed as the only renter
- The driver must be listed on the rental contract as an operator
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Correct answer: The driver must be listed on the rental contract as an operator
Rental cars must have the driver’s name listed on the rental contract as an operator.
Source: Kentucky Driver Manual (Updated July 23, 2026), page 6 · Open this page in the manual (Manual page 6)
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Which of these is accepted as proof of liability insurance for the vehicle used in a road test?
- A written binder from an insurance agent saying insurance is in force
- A verbal statement of coverage from the owner of the vehicle
- A receipt showing that the vehicle's registration fee was paid
- A letter from the examiner approving the vehicle for testing
Show answer
Correct answer: A written binder from an insurance agent saying insurance is in force
The manual lists three acceptable proofs: an insurance card from the insurer, a current policy for that vehicle, or a written binder from an insurance agent stating that insurance is in force.
Source: Kentucky Driver Manual (Updated July 23, 2026), page 9 · Open this page in the manual (Manual page 9)
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Which of these may cause a Kentucky driver’s license to be suspended or revoked?
- Renewing your license up to six months before it expires
- Requesting a replacement for a lost license
- Applying for a duplicate license after an address change
- Failure to maintain liability insurance
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Correct answer: Failure to maintain liability insurance
Failure to maintain liability insurance is a listed reason for suspension or revocation.
Source: Kentucky Driver Manual (Updated July 23, 2026), page 16 · Open this page in the manual (Manual page 16)
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A person fails to satisfy a judgment for damages from operating a motor vehicle. After how many days from the judgment is the driving privilege suspended?
- 30 days
- 90 days
- 180 days
- 60 days
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Correct answer: 60 days
Failing to satisfy the judgment within 60 days of the judgment results in suspension by the Transportation Cabinet.
Source: Kentucky Driver Manual (Updated July 23, 2026), page 17 · Open this page in the manual (Manual page 17)
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How long does a suspension for an unsatisfied judgment stay in effect?
- Indefinitely, or until the judgment is satisfied
- For six months, then the license is reinstated
- For one year from the date of the judgment
- Until the driver turns 21 and renews the license
Show answer
Correct answer: Indefinitely, or until the judgment is satisfied
The suspension remains in effect indefinitely or until the judgment has been satisfied.
Source: Kentucky Driver Manual (Updated July 23, 2026), page 17 · Open this page in the manual (Manual page 17)
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After a judgment is satisfied, what is sent to the Transportation Cabinet?
- A letter from the driver’s insurance agent
- A copy of a traffic school certificate
- A court-attested copy of the satisfaction
- A written statement from the arresting officer
Show answer
Correct answer: A court-attested copy of the satisfaction
Upon satisfaction, a court-attested copy of the satisfaction is sent to the Transportation Cabinet and reinstatement procedures must be followed.
Source: Kentucky Driver Manual (Updated July 23, 2026), page 17 · Open this page in the manual (Manual page 17)
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What must a Kentucky owner do about insurance on a vehicle that has a current, active registration?
- Insure it only while it is being driven
- Insure it only if it is financed
- Insure it only when driving outside the county
- Maintain insurance on that vehicle
Show answer
Correct answer: Maintain insurance on that vehicle
If your vehicle has a current, active registration, you must maintain insurance on that vehicle.
Source: Kentucky Driver Manual (Updated July 23, 2026), page 19 · Open this page in the manual (Manual page 19)
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What happens to the registration of a vehicle whose owner fails to maintain insurance?
- It is suspended for 30 days
- It is revoked
- It stays valid until the next renewal date
- It is renewed at a higher rate
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Correct answer: It is revoked
Any owner who fails to maintain insurance on the vehicle shall have the vehicle registration revoked.
Source: Kentucky Driver Manual (Updated July 23, 2026), page 19 · Open this page in the manual (Manual page 19)
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How does Kentucky law classify failure to maintain insurance on a vehicle?
- A criminal offense
- A civil matter only
- A warning-only violation
- A minor equipment violation
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Correct answer: A criminal offense
The manual states that failure to maintain insurance is a criminal offense.
Source: Kentucky Driver Manual (Updated July 23, 2026), page 19 · Open this page in the manual (Manual page 19)
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What fine range applies to a vehicle owner and driver for failing to maintain insurance?
- $100.00 to $300.00
- $250.00 to $750.00
- $500.00 to $1,000.00
- $1,000.00 to $2,000.00
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Correct answer: $500.00 to $1,000.00
The vehicle owner and driver are subject to a fine of $500.00 to $1,000.00, up to 90 days in jail, or both.
Source: Kentucky Driver Manual (Updated July 23, 2026), page 19 · Open this page in the manual (Manual page 19)
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What is the maximum jail term for a vehicle owner and driver who fail to maintain insurance?
- Up to 30 days
- Up to 90 days
- Up to 60 days
- Up to 6 months
Show answer
Correct answer: Up to 90 days
The penalty includes a fine, up to 90 days in jail, or both.
Source: Kentucky Driver Manual (Updated July 23, 2026), page 19 · Open this page in the manual (Manual page 19)
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What is the minimum bodily injury liability coverage required for any one person?
- $10,000.00
- $15,000.00
- $100,000.00
- $25,000.00
Show answer
Correct answer: $25,000.00
Kentucky requires liability coverage of $25,000.00 for all claims for bodily injury damages sustained by any one person.
Source: Kentucky Driver Manual (Updated July 23, 2026), page 19 · Open this page in the manual (Manual page 19)
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What is the minimum bodily injury liability coverage required for all persons injured in one accident?
- $30,000.00
- $75,000.00
- $50,000.00
- $100,000.00
Show answer
Correct answer: $50,000.00
The required minimum is not less than $50,000.00 for all bodily injury damages sustained by all persons as a result of an accident.
Source: Kentucky Driver Manual (Updated July 23, 2026), page 19 · Open this page in the manual (Manual page 19)
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What is the minimum property damage liability coverage required for any one accident?
- $25,000.00
- $10,000.00
- $15,000.00
- $50,000.00
Show answer
Correct answer: $25,000.00
The minimum includes $25,000.00 for all property damage as a result of any one accident.
Source: Kentucky Driver Manual (Updated July 23, 2026), page 19 · Open this page in the manual (Manual page 19)
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Instead of separate minimum limits, what single-limit policy is acceptable in Kentucky?
- A policy with a single limit of $30,000.00
- A policy with a single limit of $40,000.00
- A policy with a single limit of $100,000.00
- A policy with a single limit of $60,000.00
Show answer
Correct answer: A policy with a single limit of $60,000.00
A policy with a single limit of $60,000.00 is acceptable as an alternative.
Source: Kentucky Driver Manual (Updated July 23, 2026), page 19 · Open this page in the manual (Manual page 19)
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Which insured vehicle is not required to have a policy that provides basic reparations benefits?
- A passenger car
- A motorcycle
- A pickup truck
- A vehicle with a single-limit policy
Show answer
Correct answer: A motorcycle
The policy must provide basic reparations benefits unless the insured vehicle is a motorcycle.
Source: Kentucky Driver Manual (Updated July 23, 2026), page 19 · Open this page in the manual (Manual page 19)
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Who must maintain written proof of minimum liability coverage in the vehicle?
- All motor vehicle owners and operators
- Only owners of vehicles registered in another state
- Only drivers under the age of 21
- Only drivers who have been in a crash
Show answer
Correct answer: All motor vehicle owners and operators
All motor vehicle owners and operators must maintain written proof of minimum liability coverage in the vehicle.
Source: Kentucky Driver Manual (Updated July 23, 2026), page 19 · Open this page in the manual (Manual page 19)
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In what form may written proof of minimum liability coverage be carried?
- Only a paper insurance card mailed by the insurer
- Only an electronic card shown on a mobile phone
- A paper insurance card or one on a portable electronic device
- A verbal statement from the insurance agent at the stop
Show answer
Correct answer: A paper insurance card or one on a portable electronic device
Written proof can be a paper insurance card or a portable electronic device used to download the insurance card.
Source: Kentucky Driver Manual (Updated July 23, 2026), page 19 · Open this page in the manual (Manual page 19)
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What must a student keep in order to use home-state registration and insurance to drive in Kentucky?
- A temporary Kentucky registration issued by the county clerk where the school is
- A current student ID card from a Kentucky college, university, or technical college
- A letter from the school stating the student lives on campus all year
- A Kentucky license issued by a Driver Licensing Regional Office within 30 days
Show answer
Correct answer: A current student ID card from a Kentucky college, university, or technical college
Students can use home-state registration and insurance in Kentucky if they keep a current student identification card from a Kentucky college, university, or technical college.
Source: Kentucky Driver Manual (Updated July 23, 2026), page 19 · Open this page in the manual (Manual page 19)
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What should you do about registration and insurance if you or your child attend a school outside Kentucky?
- Assume Kentucky’s requirements apply there
- Assume students need no registration or insurance
- Ask the Kentucky county clerk to approve it
- Check with that state to verify its requirements
Show answer
Correct answer: Check with that state to verify its requirements
You should check with that state to verify that state’s registration and insurance requirements.
Source: Kentucky Driver Manual (Updated July 23, 2026), page 19 · Open this page in the manual (Manual page 19)
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What kind of insurance can active-duty military personnel use to title and register a vehicle in their name in Kentucky?
- Only a policy bought from a Kentucky insurer
- Only a policy issued by the county clerk
- Out-of-state insurance
- Only a policy issued by a Kentucky college
Show answer
Correct answer: Out-of-state insurance
Active-duty military personnel can use out-of-state insurance to title and register any vehicle in their name in Kentucky.
Source: Kentucky Driver Manual (Updated July 23, 2026), page 19 · Open this page in the manual (Manual page 19)
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What happens if a military member’s vehicle is recorded at the County Clerk’s office as a standard personal policy instead of a military personnel policy?
- The vehicle is flagged as possibly uninsured
- The vehicle registration is revoked at once
- The owner must buy a new policy within 15 days
- The vehicle cannot be titled in Kentucky
Show answer
Correct answer: The vehicle is flagged as possibly uninsured
Recording the vehicle as a standard personal policy rather than a military personnel policy causes it to be flagged as possibly uninsured.
Source: Kentucky Driver Manual (Updated July 23, 2026), page 20 · Open this page in the manual (Manual page 20)
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An active-duty service member receives an uninsured notice letter. What should the member show the County Clerk’s office to resolve it?
- A statement from the Medical Review Board
- A letter from the Kentucky State Police
- A written receipt for the last registration payment
- Proof of active military service, such as a pay stub or ID
Show answer
Correct answer: Proof of active military service, such as a pay stub or ID
The member should show proof of active military service (pay stub, ID) to the County Clerk’s office.
Source: Kentucky Driver Manual (Updated July 23, 2026), page 20 · Open this page in the manual (Manual page 20)