Updated March 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
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Coverage Options
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Frequently Asked Questions
Sources
- Kentucky Transportation Cabinet - Division of Driver Licensing
- Kentucky Department of Insurance - Consumer Resources
- Insurance Research Council - Uninsured Motorists Study