Kentucky is known for its incredible natural beauty—the ideal backdrop for a motorcycle road trip. But whether you’re planning to visit Cumberland Falls to experience the magnificent moonbow or tackle the twists and turns of the Rattlesnake, you're going to need motorcycle insurance.
When riding your motorcycle in the state of Kentucky, these are the laws you must follow according to the Kentucky State Police Department :
Be sure to always carry proof of insurance. If you’re pulled over in Kentucky without an active motorcycle insurance policy, you could face a fine—or worse, lose your license.
Whether you're riding a dirt bike, sport bike, or a chopper, you need to carry compulsory liability insurance. If you’re deemed at fault in an accident, this helps cover others' injury and property damage costs.
Kentucky's minimum liability coverage limits are:
Choosing more protection than the bare minimum can help safeguard your finances.
Yes—at Dairyland®, we have plenty of options to help protect you and your bike:
Uninsured motorist (UM) and underinsured motorist (UIM) are also optional, but you need to reject them if you choose not to purchase them.
We offer money-saving insurance discounts on our already competitive rates:
The above discounts are just some of the Kentucky-specific discounts available to you. Be sure to ask about any available discounts while you get your free quote.
The Red River runs through Daniel Boone National Forest. Along the river, you'll find a series of canyons known as the Red River Gorge.
This geographical combination—known as the Hillbilly Triangle—offers you more than 200 miles of smooth roads that snake through forests, mountains, and even the gorge itself. Best of all, this is typically a low-traffic route.
Known as the Niagara of the South, Cumberland Falls is 68 feet high and 125 feet wide. On clear nights with a full moon, this waterfall offers the western hemisphere’s only reliable views of a moonbow—a rainbow formed by moonlight instead of direct sunlight.
The Kentucky Department of Parks regularly updates its moonbow schedule—check with them as you schedule your trip.
This route delivers 150 turns in 12 miles through the beautiful foothills of the Daniel Boone National Forest. It’s so beloved that Kentucky officially named Highway 192 "The Rattlesnake," given the ride's reputation among bikers and sports car enthusiasts.
Highway 192 used to be the only road connecting the towns of London and Somerset. After Highway 80 was completed, however, 192 has received significantly less traffic—so you may have the road all to yourself.
With coverage from Dairyland Insurance, you can take your time and savor all of Kentucky’s attractions. After all, you don't want a lack of motorcycle insurance to keep you from getting on the road.