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Kentucky insurance surcharge report

Kentucky insurance surcharge report 2026

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The document is a Monthly Insurance Surcharge Report for the Commonwealth of Kentucky, detailing the requirements for insurers to report and remit surcharge amounts collected on premiums, assessments, and other charges. It outlines the calculation of the surcharge, exemptions, penalties for late filing or payment, and provides instructions for completing the report. Insurers must file this report monthly or annually depending on their premium collection amounts.

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Click ‘Get Form’ to open the Kentucky Insurance Surcharge Report in our editor.
Begin by entering your account number and selecting if this is an amended return or for surplus lines. This information is crucial for accurate processing.
Fill in the name and address of your company, along with the reporting month and year. Ensure these details are correct to avoid any delays.
In Section 1, report total premiums collected on risks located in Kentucky. Be sure to exclude municipal taxes as instructed.
For Section 2, deduct amounts not subject to surcharge. Carefully categorize each deduction based on the provided options, ensuring accuracy.
Calculate the amount subject to surcharge in Section 3 by subtracting total deductions from total premiums reported.
Complete Sections 4 through 9 by calculating the surcharge due, penalties, interest, and total amount due. Attach any necessary documentation for adjustments.
Finally, certify the report by signing and providing your information as a principal officer before submitting it via mail as indicated.

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Versions	Form popularity	Fillable & printable
2023	4.5 Satisfied (45 Votes)
2022	4.8 Satisfied (73 Votes)
2021	4.3 Satisfied (120 Votes)
2019	4.4 Satisfied (200 Votes)
2015	4.4 Satisfied (397 Votes)
2011	4.1 Satisfied (38 Votes)

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What is a surcharge on my car insurance?

An auto insurance surcharge is a fee added to your insurance premium, usually as a result of a ticket or at-fault accident, though late payments, coverage lapses, or even adding a vehicle may carry a surcharge as well.

Why do insurance companies charge a surcharge?

The fee compensates for the risk assessment and pricing strategy that was based on a longer commitment. Insurance companies rely on premium payments for revenue and financial planning. This includes setting aside reserves to pay future claims.

What is the insurance surcharge in Kentucky?

Kentucky law requires insurance companies to charge all policies written for its residents a surcharge of 1.8%. We are also required to assess your policy with a municipality tax which is based on the location of your residence.

What is the cheapest car insurance in KY?

Geico is the cheapest company in Kentucky, with auto insurance rates averaging $42 monthly for minimum protection and $147 for full coverage. Kentucky Average Minimum-Coverage Cost: $74 per month. Geico offers the cheapest minimum coverage at an average rate of $42 per month, which is 44% cheaper than the state average.

What is a surcharge in insurance?

A surcharge is a fee that an insurance company adds to a policyholders premium, usually as a result of increased risk or a history of claims.

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Why are insurance rates so high in Kentucky?

According to WalletHub, insurance rates tend to be higher in Kentucky because of the higher-than-average traffic fatalities. As of 2024, the Kentucky drivers experienced 1.36 traffic-related deaths per 100 million miles driven, while the national average is 1.1 deaths per 100 million miles.

Kentucky insurance surcharge report 2026

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