Updated April 2026
State Requirements
Kentucky requires minimum liability coverage of 25/50/25: $25,000 per person for bodily injury, $50,000 per accident for bodily injury, and $25,000 for property damage. Drivers with a DUI conviction, major license suspension, or uninsured accident must file SR-22 proof of financial responsibility with the Kentucky Transportation Cabinet for 3 years. Drivers who accumulate 12 or more points within 24 months face license suspension but do not automatically require SR-22 unless the suspension is for specific offenses like DUI or refusal to submit to chemical testing.
Cost Overview
High-risk auto insurance rates in Kentucky vary significantly based on violation type, points on your driving record, and whether you require SR-22 filing. Drivers with a DUI conviction typically see premiums increase 80–150% compared to clean-record rates, while a single speeding ticket adding 3 points may raise rates 15–30%. Non-standard carriers dominate the high-risk market and often charge higher base premiums but offer coverage when standard carriers decline.
What Affects Your Rate
- Number of points on your Kentucky driving record and how recently they were added
- Type of violation: DUI adds 80–150% premium increase, reckless driving 50–100%, speeding 3–6 points adds 15–30%
- Whether SR-22 filing is required and how many years remain on the requirement
- Time since last violation: rates begin to normalize after 3 years for most violations, 5 years for DUI
- Carrier type: non-standard insurers charge higher base rates but accept high-risk profiles standard carriers decline
- ZIP code and county: urban areas like Jefferson and Fayette counties see higher rates due to accident frequency
Compare rates from carriers that work with drivers who have points
Standard carriers surcharge heavily after violations. These specialists price your specific record differently.
Get Your Free QuoteCoverage Types
Liability Insurance
Covers injuries and property damage you cause to others. Kentucky minimums are 25/50/25, but drivers with points or violations should consider higher limits to reduce personal liability exposure in a subsequent accident.
SR-22 Insurance
A certificate filed by your insurer to prove you carry continuous liability coverage. Required for DUI, uninsured accidents, and major suspensions for 3 years in Kentucky.
Full Coverage
Combines liability with comprehensive and collision to repair or replace your own vehicle after an accident, theft, or weather damage. Required by lenders for financed vehicles.
Non-Standard Auto Insurance
Policies designed for drivers declined by standard carriers due to DUI, multiple violations, lapses, or poor credit. Rates are higher but availability is broader.
Uninsured Motorist Coverage
Pays for your injuries and damages if you're hit by a driver without insurance. Kentucky does not require it but approximately 13% of drivers are uninsured.
Collision Coverage
Pays to repair your vehicle after a collision with another car or object, regardless of fault. Required by lenders and recommended for newer vehicles.
