Kentucky Trucking Insurance
50+ A-rated carriers compete. You keep the savings.
Commercial truck insurance for Kentucky owner operators and fleets — with the Form E filing handled for you and straight answers on KYU, KIT, and every other acronym the Bluegrass State throws at truckers.
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Commercial Truck Insurance In Kentucky, Built For Bluegrass Freight
Kentucky punches far above its weight in freight. UPS Worldport in Louisville is the largest automated package facility on the planet, Amazon Air’s $1.5 billion primary US hub and DHL’s Americas hub both fly out of CVG in Northern Kentucky, and Ford, Toyota, and the Bowling Green Corvette plant keep auto haulers running around the clock. Add bourbon, agriculture, and coal, and there’s a reason I-65, I-64, I-71, I-75, and I-24 stay full of trucks.
Nova Coverage insures Kentucky motor carriers from our Indianapolis headquarters, one state line away. We know the drill on Kentucky’s split-limit intrastate minimums, the insurer-filed Form E, and the KYU weight-distance tax that catches so many carriers off guard — and because we’re independent, we shop your risk to 50+ A-rated carriers and make them compete.
- Form E filed with KYTC by your insurer before your authority activates — we handle it
- KYU guidance included — the 59,999-lb weight-distance tax trap, explained in plain English
- 50+ A-rated carriers quoted on every Kentucky trucking insurance policy
- New authorities welcome — same-day COIs once you’re bound
Real Reviews From Real Clients
“Exceptional service is hard to find, but Jody sets the standard… Jody replied almost immediately, communicated clearly, and followed through on every promise he made. You don’t just feel like another customer, you feel like a priority.”
“A fantastic company for all your insurance needs. They are clear and upfront, easy to work with, and make the entire process smooth and efficient. Highly recommend!”
“Highly recommend if you want a hassle-free experience. Nova Coverage made everything simple and stress-free from start to finish.”
Kentucky Trucking Insurance Requirements
Kentucky does things its own way: split-limit intrastate minimums, an insurer-filed Form E, and the famous KYU tax. Here’s what the law requires — we handle every filing below on your behalf.
Federal FMCSA Minimums
The legal minimum isn’t the market minimum: nearly every shipper and broker requires $1,000,000 liability and $100,000 cargo, so that’s what most Kentucky motor carriers actually carry. Your insurer files the BMC-91/91X with FMCSA and attaches the MCS-90 endorsement — we take care of both.
Kentucky State Minimums
Kentucky-only for-hire carriers get an intrastate certificate from the Kentucky Transportation Cabinet’s Division of Motor Carriers (Form TC 95-1, $25 plus $10 per vehicle), and your insurance company must file the Form E proof of insurance before the certificate is granted. Hazmat haulers follow the federal $1M–$5M tiers. Heads up: most brokers and shippers still want $1M CSL, so Kentucky’s low legal minimums rarely match what the market demands. We’ll spec the right limits for how you actually run.
Kentucky also requires a KYU number. It is a Kentucky weight distance tax license, separate from your USDOT number and MC authority, and it catches a lot of new carriers off guard. We broke down what a KYU number is and who needs one in plain English.
Trucking Insurance Coverage We Place In Kentucky
Every operation is different. Here are the key commercial truck insurance coverages available to Kentucky carriers — we’ll build a package that fits yours.
Primary Liability
Bodily injury and property damage coverage at the limits Kentucky and FMCSA require — state and federal filings included.
Physical Damage
Comprehensive and collision coverage for your tractors and trailers — protecting your biggest assets on and off the road.
Motor Truck Cargo
Covers the freight you haul if it’s damaged, lost, or stolen in transit — from bourbon barrels to auto parts, including reefer breakdown coverage.
Non-Trucking Liability
Bobtail and off-dispatch coverage for leased-on owner operators — often required by your lease agreement.
General Liability
Protects your trucking business from third-party claims unrelated to driving — like slip-and-fall at your yard or terminal.
Workers Comp & Occ/Acc
Workers compensation for employees and occupational accident coverage for owner operators who don’t qualify.
Semi Truck, Box Truck & Hotshot Insurance In Kentucky
From 18-wheelers feeding Worldport’s overnight sort to a hotshot rig working the Bluegrass, we quote them all — including the specialized operations that keep Kentucky freight moving.
Trucking Insurance Quotes In Louisville, Lexington & Across Kentucky
Wherever you park your trucks, we’ve got you covered — with real knowledge of the freight that moves through every corner of the state.
Cities we serve across Kentucky:
Don’t see your city? We’re licensed across the entire state of Kentucky — and 18 more states if your authority grows.
Let Us Find Your Best Rate
Call or request your quote and a Nova Coverage agent will shop 50+ carriers to find you the best Kentucky trucking insurance rate — usually within 24 hours.
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317-825-8088 Fill Out the Quote FormMon – Fri: 9am – 7pm EST • Sat & Sun by appointment
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Why Kentucky Truckers Choose Us
We Shop the Market
Access to 50+ top-rated trucking insurance companies means more options and more affordable rates than any single-carrier agent can offer — they compete, you win.
Filings Done Right
Form E with the Kentucky Transportation Cabinet, BMC-91 and MCS-90 with FMCSA, plus KYU and UCR guidance — we handle the paperwork that keeps your authority active.
New Ventures Welcome
Just got your MC number? Several of our carriers have dedicated new-authority programs, and we’ll walk you through your first year. See how new venture trucking insurance works →
Women-Owned & Independent
We’re a women-owned agency headquartered in Indianapolis with 10+ years of trucking insurance experience. When you call, a real person picks up.
Kentucky Trucking Insurance FAQ
How much does trucking insurance cost in Kentucky?
What is a KYU number and do I need one?
What are the Kentucky trucking insurance requirements?
What insurance filings does my Kentucky trucking company need?
Can a new authority get trucking insurance in Kentucky?
How fast can I get a certificate of insurance (COI)?
Ready To Save On Kentucky Trucking Insurance?
Let Nova Coverage shop 50+ carriers for your best rate. It’s free, fast, and no obligation — and your filings are on us.
Also insuring truckers in: Indiana trucking insurance · Ohio trucking insurance · Illinois trucking insurance · Missouri trucking insurance · Tennessee trucking insurance · Pennsylvania trucking insurance · Wisconsin trucking insurance · Michigan trucking insurance
Related reading: What Is a KYU Number?