Kentucky SR-22 Insurance After Your Filing Ends
Kentucky requires 25/50/25 liability coverage and is a no-fault state.
Compare Rates After SR-22Kentucky 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
Drivers convicted of DUI, driving without insurance, or involved in at-fault accidents without coverage typically must file SR-22 for 3 years. Once your SR-22 period ends, these minimums still apply, but your ability to qualify for standard-market rates improves significantly every 6 months.
Liability Insurance
Personal Injury Protection (PIP)
Uninsured/Underinsured Motorist Coverage
Full Coverage (Comprehensive + Collision)
SR-22 Certificate Filing
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
- Violation type — DUI surcharges last 5 years in Kentucky; uninsured driving surcharges last 3 years
- Carrier appetite — non-standard carriers like Dairyland, Acceptance, and Bristol West offer lower post-SR22 rates than major carriers in Kentucky
- New violations — a single speeding ticket or lapse during recovery can delay rate normalization by 12–18 months
- Policy continuity — 6+ months continuous coverage post-SR22 unlocks better rates; lapses restart the recovery timeline
Shop Again Now That Your Filing Has Ended
Compare Rates After SR-22If 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 injury and property damage you cause to others. Kentucky's 25/50/25 minimums are the legal floor but insufficient for most accidents.
Full Coverage
Liability plus comprehensive and collision. Required by lenders, but collision premiums drop slower than liability for post-SR22 drivers.
Uninsured Motorist Coverage
Protects you if hit by a driver without insurance. Optional in Kentucky but critical during rate recovery when a second accident can reset your timeline.
Comprehensive Coverage
Covers theft, vandalism, weather, and animal strikes. Not required unless financing, but affordable and protects your vehicle investment.
SR-22 Insurance
Certificate filed by your insurer proving continuous coverage. Required for 3 years in Kentucky after DUI, uninsured driving, or serious violations.
Non-Standard Auto Insurance
Policies designed for drivers with violations, lapses, or SR-22 requirements. Higher premiums but essential for maintaining legal coverage during and after SR-22.