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Question

Do I have to insure both of my cars if I only drive one of them?

I can’t afford to continue to insure both of my vehicles, especially since one of them never gets driven. Do I have to keep insurance on the vehicle I’m not driving?

Agent Answer

Neil Richardson

Like most states, Kentucky requires that any vehicle registered in the state must be insured. In fact, Kentucky maintains a database of all registered vehicles in the state and electronically monitors the insurance status of those vehicles. If your vehicle is found to be uninsured, the state will cancel your registration within 90 days. For your particular situation, you should cancel the registration on the car you don’t use and then remove it from your insurance policy. This will help you avoid any legal issues with your state and may help to reduce your auto insurance premium.

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