Kentucky SR-22 Insurance After DUI or Suspension
Kentucky requires 25/50/25 liability coverage and is a no-fault state.
Find Carriers That Accept PointsKentucky 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
Yes
A defensive driving course can reduce points on your record
Source: state DMV, insurance department and statute records, verified July 2026
Minimum Coverage Requirements in Kentucky
Drivers convicted of DUI, caught driving without insurance, or who accumulate excessive license points typically must file SR-22 proof of financial responsibility with the Kentucky Transportation Cabinet. The SR-22 requirement generally lasts 3 years from the date of conviction or reinstatement, and any lapse in coverage during that period restarts the clock.
Liability Insurance
SR-22 Insurance
Full Coverage
Uninsured Motorist Coverage
Non-Standard Auto Insurance
What Drivers Pay in Kentucky
$239–$311/mo
Typical monthly rate in Kentucky, drivers after a speeding ticket
Rate data: ValuePenguin and CarInsurance.com, 2026
What Affects Your Rate
- License points: Kentucky assesses points for moving violations; 12 points in 24 months triggers suspension and SR-22 requirement
- Location: urban areas like Louisville, Lexington, and Bowling Green have higher rates due to accident frequency and theft
Stop Overpaying While Your Points Fade
Find Carriers That Accept PointsCoverage Types
Liability Insurance
Covers injuries and property damage you cause to others in an accident. Kentucky's 25/50/25 minimums are mandatory, but higher limits protect you from personal liability if damages exceed your policy cap.
SR-22 Insurance
SR-22 is a state-mandated filing that proves you carry continuous liability coverage. Required after DUI, uninsured violations, or license suspensions in Kentucky.
Full Coverage
Combines liability, collision, and comprehensive to protect your own vehicle in addition to covering others. Required by lenders and lessors.
Uninsured Motorist Coverage
Protects you if you're hit by a driver with no insurance or insufficient coverage. Covers your medical bills and vehicle damage when the at-fault driver can't pay.
Non-Standard Auto Insurance
Specialty coverage for drivers declined by standard insurers due to DUI, suspensions, accidents, or SR-22 requirements. Non-standard carriers accept high-risk profiles and offer immediate SR-22 filing.
Collision Coverage
Pays to repair or replace your vehicle after an accident, regardless of fault. Paired with comprehensive to form full coverage.