Kentucky SR-22 & High-Risk Auto Insurance
Kentucky requires 25/50/25 liability coverage and is a no-fault state.
Find SR-22 Coverage NowKentucky at a Glance
25/50/25
Minimum liability limits, in thousands of dollars (per person / per accident / property)
No-fault
Each driver's own policy pays their injuries first, whoever caused the crash
Required
PIP coverage must be on every policy
$40
State license reinstatement fee
Source: state DMV, insurance department and statute records, verified July 2026
State Requirements
Drivers convicted of DUI, driving without insurance, multiple serious violations, or license suspensions must file SR-22 proof of financial responsibility for 3 years. These state minimums often leave high-risk drivers exposed to significant out-of-pocket liability if involved in another incident.
Bodily Injury Liability
Property Damage Liability
SR-22 Filing
Uninsured Motorist Coverage
Personal Injury Protection (PIP)
Cost Overview
$412–$455/mo
Typical monthly rate in Kentucky, drivers with an SR-22 after a DUI
Rate data: ValuePenguin and NerdWallet, 2026
What Affects Your Rate
- Time since incident (rates begin decreasing after 3 years for most violations, with full forgiveness typically at 5–7 years)
- Prior claims history and at-fault accident count within the past 5 years
- SR-22 filing requirement and duration remaining on the 3-year mandate
- Continuous coverage history or gaps in prior insurance (lapses during SR-22 period restart the clock and increase rates)
See What Your SR-22 Should Really Cost
Find SR-22 Coverage NowIf your license is suspended
Hardship drivers license (601 KAR 12:060)
application fee $5.
A coverage lapse is reported
The state can act when your insurance lapses.
Source: state DMV, insurance department and statute records, verified July 2026
Frequently Asked Questions
How long do I need SR-22 insurance in Kentucky after a DUI?
Kentucky requires SR-22 filing for 3 years following a DUI conviction, starting from the date your carrier files the certificate with the Transportation Cabinet. The clock restarts if your coverage lapses at any point during the 3-year period. Most drivers see rate reductions after the SR-22 requirement ends, though the DUI conviction itself impacts rates for 5–7 years.
What is the difference between SR-22 and FR-44 in Kentucky?
Kentucky only requires SR-22 filing, not FR-44. FR-44 is a higher-level financial responsibility certificate required only in Florida and Virginia for certain DUI offenses. Kentucky's SR-22 proves you carry at least the state's minimum liability limits (25/50/25) and must remain active for 3 years following qualifying violations.
Which insurance companies offer SR-22 in Kentucky?
Non-standard carriers dominate Kentucky's SR-22 market, including The General, Direct Auto, Acceptance Insurance, National General, Bristol West, and Infinity. Many standard carriers like State Farm and Progressive do not write new policies for drivers requiring SR-22 filing or will non-renew existing policies once the filing is added. Expect limited coverage options and higher premiums until the SR-22 requirement ends.
Coverage Types
SR-22 Insurance
Continuous liability coverage with SR-22 certificate filed with the Kentucky Transportation Cabinet. Required for DUI convictions, uninsured accidents, license suspensions, and serious violations for a 3-year period without lapse.
Non-Standard Auto Insurance
Coverage designed for drivers with DUIs, multiple violations, at-fault accidents, or poor credit who cannot qualify for standard market policies. Non-standard carriers accept higher-risk profiles but charge substantially higher premiums.
Liability Insurance
Covers bodily injury and property damage you cause to others in an at-fault accident. Kentucky requires 25/50/25 minimum limits, but these are often insufficient to cover serious crashes.
Uninsured Motorist Coverage
Protects you if injured by a driver with no insurance or insufficient coverage. Kentucky requires carriers to offer UM coverage at the same limits as your liability policy unless you waive it in writing.
Full Coverage Insurance
Combines liability, collision, comprehensive, and uninsured motorist coverage. Required by lenders if your vehicle is financed or leased, and recommended for newer vehicles with significant value.
Personal Injury Protection (PIP)
Covers your own medical expenses, lost wages, and essential services regardless of who caused the accident. Kentucky offers a choice between PIP coverage ($10,000 minimum) or the tort liability option.