After SR-22 Insurance
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Kentucky SR-22 Insurance After DUI & Violations

Kentucky requires 25/50/25 liability coverage and is a no-fault state.

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Kentucky 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

Minimum Coverage Requirements in Kentucky

In addition to these minimums, Kentucky mandates SR-22 filing for drivers with DUI convictions, multiple traffic violations, at-fault accidents while uninsured, or license suspensions. The SR-22 requirement typically lasts 3 years and requires continuous coverage — any lapse restarts the clock. High-risk drivers should consider coverage above minimums since at-fault accidents with minimum limits can leave you personally liable for damages exceeding your policy limits.

Liability Insurance

For high-risk drivers carrying SR-22, going uninsured or underinsured after an at-fault accident can trigger license suspension and extend your filing requirement.

SR-22 Insurance

SR-22 is not a type of insurance — it's a certificate your insurer files with the Kentucky Transportation Cabinet proving you carry continuous coverage. You must maintain SR-22 filing for the full duration ordered by the state, typically 3 years. If your policy lapses for any reason, your insurer notifies the state within 10 days, your license is suspended, and the 3-year requirement restarts from zero when you reinstate.

Full Coverage

Full coverage typically means liability plus collision and comprehensive, protecting both other drivers and your own vehicle. If you financed your vehicle or it has significant value, full coverage is usually required by your lender and protects you from out-of-pocket replacement costs after an accident or theft.

Uninsured Motorist Coverage

Kentucky law requires insurers to offer uninsured/underinsured motorist (UM/UIM) coverage at the same limits as your liability policy, though you can reject it in writing. For high-risk drivers already paying elevated premiums, UM coverage adds relatively little cost but prevents a second uninsured accident from compounding your record.

Comprehensive Coverage

Comprehensive covers non-collision damage to your vehicle: theft, vandalism, hail, flood, fire, and animal strikes. Kentucky sees seasonal weather events including hail storms and flooding, particularly in low-lying areas near the Ohio River. If you carry an SR-22 and your vehicle is totaled by a covered comprehensive event, having this coverage means you can replace your car and maintain continuous insurance without a lapse that would restart your filing requirement.

What Drivers Pay in Kentucky

$240–$412/mo

Typical monthly rate in Kentucky, high-risk drivers after a DUI

Rate data: ValuePenguin and Insurify, 2026

What Affects Your Rate

  • Credit-based insurance score: Kentucky allows insurers to use credit in pricing, and high-risk drivers with poor credit can see rates double compared to those with good credit
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Your SR-22 Is Over. Your Rate Should Drop Too

Find Affordable Coverage After SR-22

If 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

Coverage Types

Liability Insurance

Covers injuries and property damage you cause to others. Kentucky's 25/50/25 minimums are often insufficient — a moderate injury claim can easily exceed $25,000, leaving you personally liable for the difference.

SR-22 Filing

Certificate filed by your insurer proving continuous coverage to the Kentucky Transportation Cabinet. Required after DUI, suspensions, and uninsured violations — typically for 3 years.

Full Coverage

Liability plus collision and comprehensive. Protects your vehicle in addition to covering others, and is required by lenders if you finance or lease.

Uninsured Motorist Coverage

Pays your medical bills and vehicle damage when you're hit by a driver with no insurance. Kentucky requires insurers to offer UM/UIM, though you can reject it in writing.

Comprehensive Coverage

Covers non-collision damage: theft, vandalism, weather, fire, and animal strikes. Particularly valuable in Kentucky due to seasonal hail and flooding in river valleys.

Non-Standard Auto Insurance

Policies designed for high-risk drivers who cannot get coverage from standard carriers. Non-standard insurers specialize in SR-22, DUI, and suspended license cases.

Find Your City in Kentucky

Louisville

urban

Lexington

urban

Bowling Green

suburban

Owensboro

urban

Covington

suburban

Georgetown

suburban

Richmond

suburban

Florence

suburban