Kentucky SR-22 and car insurance quotes
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No car? Many drivers file their SR-22 with a non-owner policy. Ask the agent about a non-owner SR-22. Non-owner car insurance →Yes, RealAgentQuotes covers ALL of Kentucky
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SR-22 in Kentucky: what Kentucky requires
An SR-22 isn't a type of insurance. It's a certificate an insurance company files with a state to prove you carry at least that state's minimum coverage. Kentucky works differently from most states: it usually doesn't ask for an SR-22, even after a DUI. To get your license back or get an ignition interlock license, the Kentucky Transportation Cabinet asks for a regular proof of insurance card instead. You may still need an SR-22 if another state requires one, for example after a ticket or suspension there or if you moved here owing one. In that case it's filed with that state, and that state sets how long you keep it.
- Kentucky usually asks for a regular proof of insurance card, not an SR-22
- If another state requires an SR-22, your insurance company files it with that state for you
- A licensed agent can quote it today and explain your options
Kentucky minimum car insurance
Kentucky requires at least $25,000 for injuries per person, $50,000 per accident and $25,000 for property damage, or a single limit of $60,000. Kentucky is a no-fault state, so every car policy also needs $10,000 in personal injury protection (PIP), which Kentucky calls basic reparation benefits. A 2026 state law kept that $10,000 but raised the lost-wage limit inside it to $500 a week and the funeral limit to $5,000 for policies issued or renewed after it took effect.
No car? Non-owner insurance in Kentucky
If you don't own a car, a non-owner policy covers your liability when you drive a car you don't own. It's also a common way to meet an SR-22 that another state requires. Ask the agent whether it fits your situation.
Learn about non-owner car insurance →SR-22 and car insurance across Kentucky
We help drivers anywhere in Kentucky. These cities have their own page with local details, but you don't need one: call or start a quote from wherever you live.
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Kentucky SR-22 questions
Does Kentucky require an SR-22?
Usually not. Kentucky doesn't list an SR-22 among its DUI reinstatement requirements, and its ignition interlock license asks for a regular proof of insurance card. You may still need an SR-22 if another state requires one. If you aren't sure, check your notice or ask the Kentucky Transportation Cabinet or a licensed agent.
What happens if I drive without insurance in Kentucky?
Kentucky can revoke your vehicle registration, and you can face a fine of $500 to $1,000, up to 90 days in jail, or both. Insurers report active policies to the state every month, so a lapse shows up.
I owe an SR-22 to another state. Can I get it in Kentucky?
Usually, yes. Many insurance companies can file an SR-22 with another state for a Kentucky driver. That state decides how long you keep it. A licensed agent can check your options.
Can I get insurance in Kentucky without a car?
Yes. A non-owner policy covers you when you drive a car you don't own, and it can carry an SR-22 if another state requires one. A licensed agent can quote one.
Sources: Kentucky Transportation Cabinet: DUI penalties and programs · KRS 304.39-110: minimum limits
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