SR-22 insurance in Kentucky
What Kentucky requires after a DUI, a lapse or driving uninsured, how long the filing lasts, what it costs the state, whether a non-owner filing works, and which companies in Kentucky write the policies that carry it, from the state's own pages and the insurance company directory.
Kentucky does not use an SR-22 certificate. No SR-22 is required. Kentucky checks insurance through monthly insurer reports; suspended drivers meet the suspension's own requirements and may owe a $40 reinstatement fee. Not applicable. Insurers report personal auto policies to the Transportation Cabinet monthly, and county clerks use the record to verify insurance at registration. What you need is an auto policy that meets the state minimum and proof of it for the reinstatement; 0 companies write personal auto here.
By Sam Alishahi, independent insurance broker · Every state
What Kentucky requires
From Kentucky Transportation Cabinet, Department of Vehicle Regulation; sources at the bottom.
| Filing | None (proof of insurance instead) |
|---|---|
| Who needs it | No SR-22 is required. Kentucky checks insurance through monthly insurer reports; suspended drivers meet the suspension's own requirements and may owe a $40 reinstatement fee. |
| How long | Not applicable; no filing period. |
| State fees | No filing fee. A $40 license reinstatement fee may be required; reinstating a registration canceled for no insurance costs $40. |
| Non-owner filing | Not applicable; Kentucky has no SR-22 filing. |
| How it's filed | Not applicable. Insurers report personal auto policies to the Transportation Cabinet monthly, and county clerks use the record to verify insurance at registration. |
| If the policy cancels | If coverage stops being reported, the registration is canceled unless proof is shown within 90 days. Driving uninsured: $500-$1,000 fine, up to 90 days in jail, or both. |
| Minimum liability limits | 25/50/25 (bodily injury per person / per accident / property damage) or a $60,000 single limit, plus basic reparation benefits (PIP). |
| Who handles it | Kentucky Transportation Cabinet, Department of Vehicle Regulation |
How to get it today
- Send the quote request with the reason for the filing (DUI, lapse, uninsured accident) and the date the state gave you; that goes to the companies above that take it.
- Bind the policy; the insurer sends the proof of insurance to the state electronically.
- Keep the policy paid for the whole period: a cancellation is reported to the state and usually restarts the suspension.
I'm licensed in 48 states and Washington, DC and your request stays with my agency, not passed to another agent. In Florida and Washington, where my licenses are still being issued, a partner agency in your state helps in the meantime.
Sources
- https://drive.ky.gov/Drivers/Pages/License%20Reinstatement.aspx
- https://drive.ky.gov/Drivers/Pages/DUI.aspx
- https://drive.ky.gov/Vehicles/Pages/Mandatory-Insurance.aspx
- https://apps.legislature.ky.gov/law/statutes/chapter.aspx?id=38036
- https://apps.legislature.ky.gov/law/statutes/statute.aspx?id=6258
- https://apps.legislature.ky.gov/law/statutes/statute.aspx?id=6259
Send it once. It gets filed.
A few minutes to request the quote; the companies that file proof answer by email, and the filing goes to the state when you bind.
Get a reminder before your renewal.
Tell me when your policy renews and I’ll email you about six weeks before, when it’s worth comparing. One email, no calls.