SR-22 Insurance in Kentucky

Need an SR-22 in Kentucky? An SR-22 isn't a type of insurance — it's a certificate your insurer files with the Kentucky DMV proving you have the required liability coverage. The filing fee is typically $15-$50, but your insurance premiums will increase significantly. We help high-risk drivers find the cheapest SR-22 policies available.

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SR-22 in Kentucky: What You Need to Know

$15-$50

Typical SR-22 Filing Fee

3 Years

Typical SR-22 Requirement

30-50%

Expected Premium Increase

25/50/25

Minimum Required Limits

When Is an SR-22 Required in Kentucky?

DUI/DWI conviction — the most common reason for an SR-22 in Kentucky
Driving without insurance — caught uninsured and need to prove future coverage
Too many violations — accumulating points on your Kentucky driving record
At-fault accident while uninsured — must prove financial responsibility going forward
License reinstatement — required to get your Kentucky license back after suspension

How to Get Cheap SR-22 Insurance in Kentucky

Not every insurance company offers SR-22 policies, and rates vary dramatically between carriers for high-risk drivers. The key is comparing quotes from companies that specialize in non-standard/high-risk auto insurance. Call us at (888) 217-6781 — we work with carriers that offer competitive SR-22 rates in Kentucky.

Cheapest SR-22-Friendly Companies in Kentucky

Insurance Company	6-Month Premium	Monthly Cost
GEICO ⭐	$888	$148/mo
Kentucky Farm Bureau	$912	$152/mo
Progressive	$996	$166/mo
State Farm	$1,092	$182/mo
Allstate	$1,332	$222/mo

Rates based on 2026 data for a 35-year-old driver with good credit and clean record. Your rate will vary.

More Kentucky Auto Insurance Guides

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SR-22 Insurance in Kentucky — FAQ

Who has the cheapest car insurance in Kentucky?

GEICO offers the cheapest full coverage at $148/month in Kentucky. Rates vary by driver — call (888) 217-6781 for a personalized comparison.

How much is sr-22 insurance in Kentucky?

Full coverage in Kentucky averages $195/month, liability-only averages $57/month. The cheapest option is GEICO at $148/month. Compare multiple quotes for your best rate.

Can I get a free sr-22 insurance quote in Kentucky?

Yes — call (888) 217-6781 for a free, no-obligation quote. We compare 5+ carriers in Kentucky to find your lowest rate in under 2 minutes.

Sources & Methodology

Our rate analysis is based on publicly available rate filings and industry data. We regularly update our research to ensure accuracy.

Rate data based on 2026 carrier rate filings analyzed by state insurance departments and third-party data providers including Quadrant Information Services.
Kentucky Department of Insurance — official state insurance regulator for Kentucky.
National Association of Insurance Commissioners (NAIC) — national insurance data and consumer resources.
Kentucky Transportation Cabinet — Kentucky vehicle registration and licensing requirements.
Insurance Information Institute (III) — independent insurance education and research.
National Highway Traffic Safety Administration (NHTSA) — crash and safety statistics.
NHTSA FARS Database — fatal crash and DUI arrest data by state and locality.