Kentucky SR-22 & High-Risk Auto Insurance
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
Yes
A defensive driving course can reduce points on your record
Source: state DMV, insurance department and statute records, verified July 2026
State Requirements
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.
Liability Insurance
SR-22 Insurance
Uninsured Motorist Coverage
Full Coverage
Non-Standard Auto Insurance
Cost Overview
$239–$311/mo
Typical monthly rate in Kentucky, drivers after a speeding ticket
Rate data: ValuePenguin and CarInsurance.com, 2026
What Affects Your Rate
- Number of points on your Kentucky driving record and how recently they were added
- 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
Find the Insurers That Still Want Your Business
See Carriers That Cover YouFrequently Asked Questions
How long do points stay on my driving record in Kentucky?
Points from traffic violations remain on your Kentucky driving record for 2 years from the conviction date. However, insurance companies typically review your 3-year driving history when setting rates, so a violation can affect premiums even after points expire. Most violations show premium impact for 3–5 years, with DUIs affecting rates for up to 5 years.
How many points until my license is suspended in Kentucky?
Kentucky suspends your driver's license if you accumulate 12 or more points within a 24-month period. A first suspension lasts 6 months, and you must complete a driver improvement course before reinstatement. Accumulating points does not automatically trigger SR-22 requirements unless the suspension is for specific offenses like DUI or refusal to test.
What happens if I let my SR-22 insurance lapse in Kentucky?
Your insurance company must notify the Kentucky Transportation Cabinet immediately if your policy lapses or is cancelled during the SR-22 requirement period. The state will suspend your license, and you must obtain new coverage, file a new SR-22, pay reinstatement fees, and restart the full 3-year SR-22 requirement from the new filing date.
Can I get insurance with a suspended license in Kentucky?
Yes, you can purchase insurance and file SR-22 even while your license is suspended in Kentucky, and doing so is often required before reinstatement. Many non-standard carriers offer policies specifically for suspended drivers preparing to regain their license. You cannot legally drive during the suspension, but maintaining continuous SR-22 coverage ensures you meet state requirements when your reinstatement eligibility date arrives.
Coverage 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.