Kentucky uses a graduated license program by which teen drivers progress from an instruction permit, to an intermediate license, and, finally, to an operator's license. We explain how this works below.
Sixteen-year-olds can submit an application (along with the application fee) to the local circuit clerk to obtain an instruction permit. (KY ST § 186.450 (2024).)
The application must be signed by a parent or guardian, who will be jointly liable for any of the teen driver's mishaps behind the wheel. The applicant must pass the vision test and a test covering local traffic signs and traffic laws.
An instruction permit authorizes the holder to operate a vehicle under the supervision of a licensed driver who is age 21 or older. The holder isn't allowed to drive from midnight to 6 a.m. unless for work, school, or emergency purposes. Unless accompanied by a licensed driving instructor, permit holders can transport only one non-relative passenger under 20 years old.
After holding an instruction permit for 180 days (or after turning 18), a teen can apply for an intermediate license. (KY ST § 186.452 (2024).)
The applicant must show proof of 60 hours of supervised driving time (10 of which must have been done at night) and pass the driving test. Any traffic violation will reset the 180-day waiting period.
The intermediate license allows the motorist to drive without an adult:
Violation of the intermediate, instructional, or operator's license restrictions will result in points being added to the driver's record. Drivers who are younger than 18 face license suspension for acquiring only six points.
The license of a 16- or 17-year-old can be revoked if the teen drops out from or is delinquent at school.
After holding an intermediate license for at least six months without any traffic tickets, a driver can apply for an operator's license. Licensees who are younger than 18 are no longer subject to the curfew rules but still cannot transport more than one non-family member passenger unless accompanied by a licensed instructor. (KY ST § 186.454 (2024).)
Kentucky requires all vehicles to be properly insured. In Kentucky, the mandatory insurance requirements are:
Failure to have valid insurance is a traffic violation that can result in a $500 to $1,000 fine and/or up to 90 days in jail. For second or subsequent offenses committed within five years, the driver will face a $1,000 to $2,500 fine and/or 180 days in jail. The vehicle's registration will also be revoked and the license plates suspended for one year or until proof of insurance is made. (KY ST § 304.99-060 (2024).)