# Kentucky HB 390: AN ACT relating to motor vehicle insurance. Kentucky HB 390, AN ACT relating to motor vehicle insurance., is a 2025 Regular Session House bill sponsored by Michael Meredith (Republican); status signed, last action 2025-03-19 (signed by Governor (Acts Ch. 39)); PRIA reads it as touching household money (as of 2026-10-17). - Canonical: https://policyrisk.com/state-bill/KY-HB390-2025RS - As of: 2026-10-17 - Plain-text twin of the page above; the HTML and this file carry the same facts. ## Facts - Bill: Kentucky HB 390 - State: Kentucky - Session: 2025 Regular Session - Title: AN ACT relating to motor vehicle insurance. - Status: signed - Chamber: House - Introduced: 2025-02-06 - Last action: 2025-03-19, signed by Governor (Acts Ch. 39) - Sponsor: Michael Meredith (Republican) - Cosponsors: 2 - Subjects: County Clerks, Fees, Insurance, Motor Vehicle, Motor Vehicles, State Agencies, Transportation, Administrative Regulations and Proceedings, Circuit Clerks, Advisory Boards, Commissions, and Committees, Local Mandate - Touches household money: yes - Roll calls: 3 (228 yes, 0 no in all) - Economic provisions PRIA read: 11 ## Summary No summary available. ## Bill overview: provisions PRIA read - Vehicle owners gain insurance record privacy: benefit, low. State insurance-status records are exempt from Kentucky's open-records law. The department must limit access to authorized people and generally cannot share, sell, or release the records. Exceptions include uses allowed by state law and specific individual requests allowed under federal driver priv… - Vehicle buyers avoid sellers' unrelated tax debts: benefit, low. Someone other than the recorded owner applying to transfer registration may pay overdue vehicle property taxes on that vehicle. The clerk cannot require that applicant to pay the seller's overdue taxes on other vehicles to complete registration. - Kentucky creates online vehicle insurance checks: benefit, low. Kentucky creates an online system to check required vehicle insurance, available to insurers by October 1, 2026. Authorized users, including clerks, courts, and police, gain access by January 1, 2027. The department must issue rules and a detailed guide by January 1, 2026. Records must support matc… - Lost plates cancel registrations; penalties broaden: cost, low. When a Kentucky plate is reported lost, the Transportation Cabinet must immediately cancel the registration linked to it. The Cabinet must also report the cancellation to Kentucky State Police. The law broadens the registration penalty rule to cover violations of KRS 186.180(1) through (4), rather… - Drivers face insurance checks for registration: mixed, medium. Clerks cannot complete covered personal-vehicle transactions unless the online system shows insurance or the applicant supplies allowed proof. This covers registration, renewal, transfers, replacement plates or papers, duplicates, and temporary tags. Allowed proof includes a paper or electronic ins… - Missing insurance records risk registration and fees: mixed, medium. The department must immediately notify owners about reported commercial insurance cancellations or nonrenewals and missing coverage records. Before January 1, 2027, missing personal-vehicle records trigger notice after two consecutive reporting months. Beginning then, the trigger is seven consecuti… - Drivers can carry electronic insurance cards: mixed, low. Beginning January 1, 2027, insurers can provide insurance cards on paper or electronically; commercial cards must identify commercial or fleet coverage. After insuring a newly acquired vehicle or changing insurers, owners must keep the card or a device to download it in the vehicle. Owners must sho… - Drivers pay registration and replacement fees: mixed, low. The registration service fee is $6, or $9 when registration lasts more than 12 months, plus a mandatory $3 charge. That $3 splits equally among insurance-verification technology, clerk technology, and annual clerk support for counties with fewer than 20,000 residents. For vehicles or towed units wi… - Temporary tags help drivers awaiting title: mixed, low. County clerks may issue 60-day temporary tags for vehicles that need Kentucky title and registration but do not yet have them. Owners must submit a completed title and registration application and can drive in Kentucky while gathering remaining documents. Dealer-issued temporary tags last 60 days a… - Optional registration donations support child care: mixed, low. Applicants can choose to donate $1 when getting or renewing vehicle registration, and they can refuse. No more than one $1 donation is allowed per issuance or renewal. Clerks may keep 5%; the rest goes to the Cabinet for Health and Family Services for child care subsidy administration. The Cabinet… - Insurers face new reporting with legal protections: mixed, low. Beginning January 1, 2027, new electronic reporting replaces the old personal-vehicle reporting requirement. Insurers must send vehicle identification numbers, policyholder names, and other required coverage details. Commercial insurers can opt into the system instead of sending separate cancellati… ## Sponsors and cosponsors - Sponsor: Michael Meredith (Republican), House - Cosponsor: Erika Hancock (Democrat), House - Cosponsor: Michael Sarge Pollock (Republican), House ## Roll call votes | Date | Chamber | Motion | Result | Yes | No | Other | | --- | --- | --- | --- | --- | --- | --- | | 2025-03-13 | Senate | passed | pass | 96 | 0 | | | 2025-03-11 | Senate | 3rd reading, passed | pass | 37 | 0 | | | 2025-02-25 | House | 3rd reading, passed | pass | 95 | 0 | | ## Actions (24) - 2025-03-19: signed by Governor (Acts Ch. 39) - 2025-03-13: delivered to Governor - 2025-03-13: enrolled, signed by President of the Senate (Senate) - 2025-03-13: enrolled, signed by Speaker of the House (Senate) - 2025-03-13: passed 96-0 (Senate) - 2025-03-13: House concurred in Senate Floor Amendment (1) (Senate) - 2025-03-12: posted for passage for concurrence in Senate Floor Amendment (1) (Senate) - 2025-03-11: to Rules (H) (House) - 2025-03-11: received in House (House) - 2025-03-11: 3rd reading, passed 37-0 with Floor Amendment (1) (Senate) - 2025-03-07: posted for passage in the Regular Orders of the Day for Tuesday, March 11, 2025 (Senate) - 2025-03-06: floor amendment (1) filed (Senate) - 2025-03-05: 2nd reading, to Rules (Senate) - 2025-03-04: reported favorably, 1st reading, to Calendar (Senate) - 2025-02-28: to Banking & Insurance (S) (Senate) - 2025-02-26: to Committee on Committees (S) (Senate) - 2025-02-26: received in Senate (Senate) - 2025-02-25: 3rd reading, passed 95-0 (House) - 2025-02-20: posted for passage in the Regular Orders of the Day for Friday, February 21, 2025 (House) - 2025-02-20: 2nd reading, to Rules (House) - 2025-02-19: reported favorably, 1st reading, to Calendar (House) - 2025-02-12: to Banking & Insurance (H) (House) - 2025-02-06: to Committee on Committees (H) (House) - 2025-02-06: introduced in House (House) ## Bill text - Current, 2025-03-13: [PDF](https://apps.legislature.ky.gov/recorddocuments/bill/25RS/hb390/bill.pdf) - Introduced, 2025-02-25: [PDF](https://apps.legislature.ky.gov/recorddocuments/bill/25RS/hb390/orig_bill.pdf) ## Related bills - HB 501: AN ACT relating to pharmaceutical drugs. (became law) - HB 664: AN ACT relating to the operation of a motor vehicle and declaring an emergency. (signed) - HB 606: AN ACT relating to economic development. (signed) - HB 421: AN ACT relating to colorectal cancer screenings. (signed) - HB 555: AN ACT relating to local government financial practices. (signed) - HB 493: AN ACT relating to the towing and storage of motor vehicles. (signed) ## Sources - [Current (PDF)](https://apps.legislature.ky.gov/recorddocuments/bill/25RS/hb390/bill.pdf) - [Introduced (PDF)](https://apps.legislature.ky.gov/recorddocuments/bill/25RS/hb390/orig_bill.pdf) ## Related - [HB 501: AN ACT relating to pharmaceutical drugs.](https://policyrisk.com/state-bill/KY-HB501-2025RS) - [HB 664: AN ACT relating to the operation of a motor vehicle and declaring an emergency.](https://policyrisk.com/state-bill/KY-HB664-2025RS) - [HB 606: AN ACT relating to economic development.](https://policyrisk.com/state-bill/KY-HB606-2025RS) - [HB 421: AN ACT relating to colorectal cancer screenings.](https://policyrisk.com/state-bill/KY-HB421-2025RS) - [HB 555: AN ACT relating to local government financial practices.](https://policyrisk.com/state-bill/KY-HB555-2025RS) - [HB 493: AN ACT relating to the towing and storage of motor vehicles.](https://policyrisk.com/state-bill/KY-HB493-2025RS) - [Kentucky bills](https://policyrisk.com/states/kentucky/bills) - [Kentucky state hub](https://policyrisk.com/states/kentucky) - [All state legislation](https://policyrisk.com/state-bills) Source: PRIA, https://policyrisk.com/state-bill/KY-HB390-2025RS (as of 2026-10-17).