SR-22 Insurance in Kentucky
Numbers refreshed
The state fee and filing duration are covered for Kentucky, along with who needs a filing.
- No SR-22.form is requested by the state.
- 25/50/25.The minimum liability limits.
- Cost ranking among the 51 states: 36th, with 1st as the highest.
Kentucky rules for SR-22
Kentucky doesn't use the SR-22 form. Instead, your insurer confirms to the state that you have coverage.
If you're suspended for DUI in Kentucky, seeking the ignition interlock license requires a proof-of-insurance card and a $40 reinstatement fee.
| Rule | Kentucky |
|---|---|
| Form | No SR-22 form; the insurer reports cover |
| State reinstatement fee | $40 |
| Liability it must prove | 25/50/25 |
Source: DUI Penalties and Programs: DRIVE; License Reinstatement: DRIVE.
How it affects your price
The filing itself costs little; what raises the premium is the offense behind it.
According to the state rate guides we use, a single at-fault accident raises the price about 1.5 times.
Using Kentucky's liability average of $673, the yearly price would come to about $1,010.
Getting a filing
- Request that your insurer file the form with the state; some companies don't.
- You don't have a car? You can put the filing on a non-owner policy.
- Pay to keep the policy active. A lapse gets reported to the state, and it can restart the clock.
First written