Official Kentucky Guide

Kentucky SR-22 Insurance

A complete roadmap to satisfying Kentucky Transportation Cabinet requirements. Compare rates, understand liability limits, and get your license reinstated today.

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Min. Liability

25/50/25

$25k BI / $50k Total / $25k PD

Mandate Term

3 Years

Standard from date of reinstatement

Filing Fee

~$15 - $25

One-time administrative cost

How Kentucky SR-22 Filing Works

In Kentucky, the SR-22 is a "Certificate of Financial Responsibility." It is a digital document filed by your insurance carrier directly with the Kentucky Transportation Cabinet (KYTC). Because Kentucky is a 'No-Fault' state, your SR-22 policy must also include mandatory Personal Injury Protection (PIP) in addition to the standard 25/50/25 liability limits.

The "Re-Suspension" Trap

If your policy cancels or lapses for even one day, your carrier is legally required to file an SR-26 Notice. This triggers an immediate suspension of your license and may reset your 3-year filing period.

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Who Needs to File in KY?

DUI Conviction: Operating a motor vehicle under the influence of alcohol or drugs.
Uninsured Accident: Being involved in an accident while driving without valid liability insurance.
Unsatisfied Judgments: Failure to pay for damages from a collision as ordered by a court.
License Revocation: Any administrative hold or court order requiring proof of financial responsibility for license restoration.

Don't Own a Car in Kentucky?

You can still get reinstated! A Kentucky Non-Owner SR-22 Policy covers you as a driver for any vehicle you borrow or rent. It satisfies the KYTC requirement and is typically the most affordable path to reinstatement if you do not own a vehicle.

Read our full guide on Non-Owner policies

The KY Reinstatement Timeline

Check Eligibility

Verify your suspension status and restoration requirements via the KYTC online portal or at a regional Driver Licensing office.

Secure SR-22

Purchase a policy with 25/50/25 limits and mandatory PIP. Your insurance carrier will electronically transmit the certificate to Frankfort.

Pay Reinstatement Fee

Pay the mandatory license reinstatement fee (typically $40) online or through the mail to clear the administrative hold.

Status Valid

Once the SR-22 is logged and fees are processed, your driving status returns to 'Valid' in the state system.

The Cost of Non-Compliance

Driving while suspended or letting your SR-22 lapse carries severe penalties in Kentucky:

First Offense

Immediate License Suspension

Court Fines

Up to $500 + Court Costs

SR-22 Period

3-Year Clock Resets

Legal Risk

Possible Vehicle Impoundment

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Kentucky Filing FAQs

How much is the filing fee in Kentucky?

Most insurance carriers charge a one-time fee of $15-$25 to electronically file the certificate with the KYTC. This is separate from your monthly premium.

Can I drive out of state with a KY SR-22?

Yes. Your Kentucky SR-22 is valid nationwide. You must maintain the Kentucky-specific limits (25/50/25) and PIP to satisfy the state's requirement.

What is the difference between SR-22 and normal insurance?

An SR-22 is not insurance; it is a certificate of financial responsibility attached to your policy that notifies the state if your coverage lapses.

Can I get a Non-Owner policy in KY?

Yes, Kentucky allows Non-Owner SR-22 filings. It is often the most cost-effective way to restore your license if you do not own a vehicle.

Will my license be suspended if I miss a payment?

Yes. Kentucky law requires insurers to notify the KYTC immediately (via SR-26) if your policy lapses, which triggers an instant automatic suspension.

How do I remove the SR-22 after 3 years?

Once your 3-year mandate expires, verify with the KYTC that your requirement is clear. You can then instruct your insurer to remove the SR-22 filing.

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