SR-22s in Kentucky: What You Need to Know

You’re not required to get an SR-22 in Kentucky, but you’ll need to hit minimum insurance requirements.
Written by Tom Hindle
Reviewed by Kathleen Flear
Kentucky doesn't require high-risk drivers to file SR-22 forms, but all drivers in-state must meet Kentucky’s minimum liability requirements and their
car insurance
rates will go up significantly.
Here's what you need to know about SR-22 forms and high-risk insurance in Kentucky from
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car insurance in Kentucky.
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Does Kentucky require SR-22 insurance?

No. Kentucky is one of a handful of states that don’t require special documentation after you’ve had your license suspended.
That doesn’t mean you're off the hook, though. You’ll still have to prove to the DMV that you have the
minimum required insurance
to stay on the road. In Kentucky, that means
liability insurance
, which includes:
Key takeaway You’re not legally required to have an SR-22 in Kentucky, but you’ll need to prove to the DMV that you have the minimum required insurance to stay on the road.

Who needs an SR-22 in Kentucky?

Legally, drivers do not need to obtain an SR-22 in Kentucky if they’ve had their
license revoked or suspended
for the violations like:
  • Driving under the influence (DUI or DWI)
  • Driving without car insurance
  • Driving with a revoked or suspended license
  • Having repeated traffic violations in a certain amount of time, including speeding tickets
  • Numerous at-fault accidents
  • A fatal at-fault accident or one that results in injuries
  • Reckless or dangerous driving
  • Assignment from a court order
  • Failure to pay fines from tickets
  • Refused consent to breathalyzer or blood alcohol test

Moving to a state that requires an SR-22

There is a catch, though. If you move to a state that requires an SR-22 to stay on the road, you’ll need your insurer to
file one for you
That means you’ll have to find new insurance altogether, as your Kentucky provider won’t file one for you. Note that there will likely be a small filing fee.
Key Takeaway If you’ve been convicted of a serious driving violation in Kentucky and you’re moving to a new state, make sure you secure an insurer in your new state to file an SR-22 form on your behalf.

How does a license suspension impact your insurance in Kentucky?

When you’re allowed back on the road, your
insurance prices might spike
. The exact figure will vary, but Kentucky sees an insurance increase of roughly 93% after a DUI conviction.

How to find cheap car insurance

License suspensions aren’t great for your driving record or bank account. But they’re not the end of the world.
You can still find a good car insurance package at a price that suits you. To find the best deal, try the
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