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

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  • Is it required?
  • Who needs it?
  • Moving to SR-22 required states
  • License suspension implications
  • Cheap insurance
In Kentucky, after being convicted of a serious driving violation, you do not need your insurer to file an SR-22 form on your behalf; however, all drivers in-state must meet Kentucky’s minimum liability requirements.
If you’ve been deemed a high-risk driver, your car insurance rates will go up—but that doesn’t mean your insurance costs need to be unmanageable.
Working with your insurance provider, and using the help of car insurance and broker app Jerry, you could be back on the road and driving safely in no time!
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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:
  • $25,000 bodily injury per person
  • $50,000 bodily injury per accident
  • $25,000 property damage
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. That can happen for the following violations:
  • Conviction for 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.
You may have to purchase a new insurance package altogether. Your insurer might charge you way too much—so finding a new package could be smart. Should that happen, sign up for Jerry and get the best deal for you.

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 Jerry.
If you’re shopping for car insurance, Jerry will generate competitive quotes from top providers in less than a minute. Jerry gathers your information from your past insurer, so you’re not responsible for any long forms or phone calls. Basically, you get all of the savings and coverage, with none of the hassles.
“I have no clue how Jerry did it, but they just about cut my rate in half with the same provider and the same coverage. I even went through the new policy after it was finalized to make sure all the coverage was the same and the deductibles were the same. I still can’t believe it”—Lucy M.
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