Kentucky · Snapshot 09/05/2026

KRS 304.13-063: Automobile liability and physical damage insurance provision for

reduction in premium charges.
(1) Any schedule of rates or rating plan for automobile liability and physical damage
insurance filed with the commissioner shall provide for an appropri ate reduction in
premium charges for a period of at least three (3) years and up to five (5) years for
those insureds fifty -five (55) years of age and older who successfully complete a
motor vehicle accident prevention course meeting standards set by the
Transportation Cabinet or insureds of any age who complete a defensive driving
course provided by the United States Armed Forces to members of the United States
Armed Forces. The reduction in premium charges for members of the United States
Armed Forces who  complete a defensive driving course provided by the United
States Armed Forces shall be actuarially sound. There shall, however, be no
reduction in premiums for a self -instructed course or for a course which does not
provide for classroom or field driving  instruction for a minimum number of hours,
to be determined by the Transportation Cabinet.
(2) All insurance companies writing automobile liability and physical damage
insurance in Kentucky shall allow an appropriate reduction in premium charges to
all eligible persons subject to this section.
(3) Upon successfully completing the approved course, each participant shall be issued
by the course's sponsoring agency a certificate which shall be the basis of
qualification for the discount on insurance.
(4) Each participant shall take an approved course each five (5) years to continue to be
eligible for the discount on insurance.
(5) The Transportation Cabinet is hereby empowered to promulgate regulations setting
standards for the motor vehicle accident preventio n course described in subsection
(1) of this section.
(6) No discount shall be available under this section to those completing the prescribed
motor vehicle accident prevention course under a court order as a result of a motor
vehicle conviction.

Where this section sits in the code

reduction in premium charges.

(1) Any schedule of rates or rating plan for automobile liability and physical damage

insurance filed with the commissioner shall provide for an appropri ate reduction in

premium charges for a period of at least three (3) years and up to five (5) years for

those insureds fifty -five (55) years of age and older who successfully complete a

motor vehicle accident prevention course meeting standards set by the

Transportation Cabinet or insureds of any age who complete a defensive driving

course provided by the United States Armed Forces to members of the United States

Armed Forces. The reduction in premium charges for members of the United States

Armed Forces who complete a defensive driving course provided by the United

States Armed Forces shall be actuarially sound. There shall, however, be no

reduction in premiums for a self -instructed course or for a course which does not

provide for classroom or field driving instruction for a minimum number of hours,

to be determined by the Transportation Cabinet.

(2) All insurance companies writing automobile liability and physical damage

insurance in Kentucky shall allow an appropriate reduction in premium charges to

all eligible persons subject to this section.

(3) Upon successfully completing the approved course, each participant shall be issued

by the course's sponsoring agency a certificate which shall be the basis of

qualification for the discount on insurance.

(4) Each participant shall take an approved course each five (5) years to continue to be

eligible for the discount on insurance.

(5) The Transportation Cabinet is hereby empowered to promulgate regulations setting

standards for the motor vehicle accident preventio n course described in subsection

(1) of this section.

(6) No discount shall be available under this section to those completing the prescribed

motor vehicle accident prevention course under a court order as a result of a motor

vehicle conviction.

Collected 2026-09-05T20:57:42Z. Source file · JSON

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