Lilah Butler, Car Insurance Writer
@lilah_c
You can get points off your license in Kentucky by taking an approved driving course. Kentucky allows drivers who fit certain eligibility requirements to complete a driving course in order to remove the points from one violation. Before the driver can enroll in a course, they must first receive a traffic school enrollment letter from the Kentucky Transportation Cabinet. Driving courses that reduce your license points might also be called traffic school or defensive driving classes.
Kentucky Point-Reduction Course Eligibility Requirements
- Course can only be attended once every 12 months and for minor violations only.
- Driver must have a valid Kentucky license.
- All referrals must come from the Kentucky District or Federal court where the violation occurred.
Car insurance companies generally check your driving record to determine your risk as a customer. However, your premium has more to do with the violations on your record than the exact number of points on your license. As a result, you can keep your premium from increasing if you take a driving course that prevents a moving violation from going on your record.
Some insurers also give discounts for completing an approved defensive driving class even if it does not affect your license points or driving record. For more information, check out WalletHub's guide to traffic school.
People also ask
How much car insurance do I need in Kentucky?
Kentucky law requires you to have $25,000 in coverage for one person’s bodily injury or death, up to $50,000 total per accident. Kentucky also requires you to carry at least $25,000 in coverage for other people’s property damage when you are at fault.
How Much Car Insurance Drivers Need in Kentucky
| Coverage Type | Minimum Coverage Limit |
| Bodily Injury Liability Coverage (per person) | $25,000 |
What is a high-risk driver?
A high-risk driver is someone who is much more likely to file an insurance claim than the average driver. Some of the most common attributes of high-risk drivers are a history of car accidents, multiple tickets and citations, bad credit, and a conviction for a serious offense like DUI. Regardless of the exact reason why you’re classified as a high-risk driver, it can have a serious impact on your ability to get affordable car insurance...
read full answer by WalletHub, Financial CompanyWhat happens if you get 1 point on your license?
One point is unlikely to affect a driver’s insurance costs, if it is the only point on the driver’s record. One point is assigned for a minor violation, like driving with broken taillights or an expired license, which the insurance company might not even hear about it. And if the insurer does not tally the point, it will not result in a higher premium.
Forty-one of the 50 states use a license-points system. Drivers...
read full answer by Winslow Arizona, Car Insurance WriterDid we answer your question?
Important Disclosures
Ad Disclosure: Certain offers that appear on this site originate from paying advertisers. For full transparency, here is a list of our current advertisers.
Advertising impacts how and where offers appear on this site (including, for example, the order in which they appear and their prevalence). At WalletHub we try to present a wide array of offers, but our offers do not represent all financial services companies or products.
Advertising enables WalletHub to provide you proprietary tools, services, and content at no charge. Advertising does not impact WalletHub's editorial content including our best picks, reviews, ratings and opinions. Those are completely independent and not provided, commissioned, or endorsed by any company, as our editors follow a strict editorial policy.