When to add youthful drivers to your Kentucky auto policy

A client contacted me about adding their 16 year old to their auto insurance policy.  Her daughter was getting her intermediate license in Kentucky.  Now, when I was a kid (oh gosh, I am finally admitting I'm an adult) you either had your license or your permit. You had your permit for 30 days and then if you passed the crash course you'd get your 'no parent required' driver's license.   In the past, the general rule of thumb has been to add a driver onto the policy once they obtain their (no parent required)  driver's license. 

This intermediate license is a newer form of licensing in Kentucky, so I had to do a little research with my carriers and the state. The carriers have indicated several different responses and requirements as to when to add the child onto the policy, ranging from needing to know of children's date of birth's from inception to the more lenient approach, add when they have full license.

So... to avoid any confusion as to what your carrier requires - a good rule of thumb is to let your insurance agent know when your child is getting their driver's permit.

Or... if you can be even more proactive, let your insurance agent or service director know of your child(ren)'s date of birth(s) ahead of time and they can note your account to follow up when they are of age to drive. 


Below is a summary of different licenses in Kentucky:

• Permit - At age 16, must pass written test.
• Only one unrelated passenger under 21 is permitted in car. 
• No driving between midnight and six a.m.
• Intermediate license - At age 16, after 180 days of permit, must pass the driver course test.  At age 18, this is not required. 
• Only one unrelated passenger under 21 is permitted in car. 
• If a moving violation occurs, the 180 days starts over. 
• No driving between midnight and six a.m.
• Full license - At age 16, after 180 days of intermediate and after taking alcohol/drug class.  At age 18, after 180 days of permit. 
• More info on Kentucky driver licenses

Youthful drivers can be on the expensive side for insurance. There are significant discounts available for driver training (the for fee courses), good student (3.0 gpa), away 100 miles with no car and level of education.

Being an independent agent I represent thirteen excellent 'A' rated personal lines carriers.  This allows me an advantage that many other agents do not have - options!   Simply provide your info by method of your choice below and within the week we can shop the markets and return your insurance options to you. 

Provide your insurance info:

• Send picture/scan of your current dec page via email or text. 
• Give me a call 502.643.4124 when you have about 30 minutes to go over information. 

Michelle Ferrigno, Insurance Agent
Cell: 502.643.4124
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