SR-22 After DUI
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Kentucky DUI SR-22 Insurance After Conviction

Kentucky requires 25/50/25 liability coverage and is a no-fault state.

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Kentucky 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

$40

State license reinstatement fee

Source: state DMV, insurance department and statute records, verified July 2026

Minimum Coverage Requirements in Kentucky

Kentucky operates under a tort-based liability system, meaning the at-fault driver's insurance pays for damages in an accident. The Kentucky Transportation Cabinet requires continuous SR-22 filing for three years following a DUI conviction, measured from the reinstatement date, not the conviction date. Your SR-22 certificate must be filed electronically by your carrier directly with the state — you cannot file it yourself.

Bodily Injury Liability

Covers medical bills, lost wages, and legal defense when you injure someone in an accident you caused. After a DUI conviction, carrying at least 50/100 limits provides meaningful protection if you cause a second accident during your SR-22 filing period.

Property Damage Liability

Pays for vehicle damage and property you destroy in an at-fault accident. Non-standard carriers often price 25/50/50 and 25/50/25 identically, making higher property limits cost-neutral in many cases.

SR-22 Certificate of Financial Responsibility

The SR-22 is not a separate insurance policy — it is a filing your carrier submits electronically to the Kentucky Transportation Cabinet proving you maintain continuous liability coverage at state minimums or higher. If your policy lapses for any reason, your carrier notifies the state within 24 hours and your license is suspended immediately. The three-year clock resets from the beginning if you allow a lapse, adding months or years to your filing requirement.

Uninsured/Underinsured Motorist Coverage

Kentucky law requires carriers to offer UM/UIM coverage matching your liability limits. You can reject it, but rejection must be made in writing at policy inception — verbal rejection does not count, and the coverage is added automatically if the rejection form is not signed. For DUI-SR-22 drivers in the non-standard market, UM coverage is critical because you are statistically more likely to be hit by another uninsured driver in Kentucky's high uninsured motorist rate environment.

What Drivers Pay in Kentucky

$412–$455/mo

Typical monthly rate in Kentucky, drivers with an SR-22 after a DUI

Rate data: ValuePenguin and NerdWallet, 2026

What Affects Your Rate

  • Years since conviction: Rates decrease modestly after the first year if you maintain continuous coverage without lapses, but significant rate reduction does not occur until the DUI conviction ages past three years.
  • Prior insurance history: Drivers who maintained continuous coverage before the DUI conviction qualify for better non-standard carrier tiers than those with prior lapses or cancellations.
  • Zip code density: Urban Kentucky counties like Jefferson and Fayette produce higher SR-22 rates than rural counties due to accident frequency, theft rates, and uninsured motorist density.
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Find an Insurer That Will File After a DUI

Get SR-22 Coverage After a DUI

If your license is suspended

Hardship drivers license (601 KAR 12:060)

application fee $5.

A coverage lapse is reported

The state can act when your insurance lapses.

Source: state DMV, insurance department and statute records, verified July 2026

Frequently Asked Questions

How long do I need SR-22 in Kentucky after a DUI?

Kentucky requires SR-22 filing for three years after a DUI conviction, measured from your license reinstatement date, not your conviction date. If you allow your policy to lapse for any reason during those three years, the Kentucky Transportation Cabinet suspends your license immediately and the three-year clock resets from the beginning.

What happens if my SR-22 insurance lapses in Kentucky?

Your carrier notifies the Kentucky Transportation Cabinet within 24 hours of a lapse, and your license is suspended the same day. Reinstatement requires paying a reinstatement fee, obtaining new SR-22 coverage, and restarting the full three-year filing period from the new reinstatement date — a single one-day lapse can add years to your requirement.

Which insurance companies write SR-22 policies in Kentucky after a DUI?

Most mainstream carriers like State Farm, Geico, and Allstate will file SR-22 for existing customers but typically non-renew at policy term. New DUI-SR-22 policies in Kentucky are written by non-standard carriers including Bristol West, Direct Auto, Dairyland, GAINSCO, The General, and Safe Auto, with availability varying by county.

Does Kentucky SR-22 filing period start from conviction date or reinstatement date?

Kentucky's three-year SR-22 filing period begins on your license reinstatement date, not your conviction date. If your license was suspended for six months before reinstatement, the SR-22 clock does not start until the day the Kentucky Transportation Cabinet reinstates your driving privileges.

Coverage Types

SR-22 Insurance

A filing your carrier submits to Kentucky proving continuous liability coverage. Required for three years after DUI conviction, measured from reinstatement date.

Non-Owner SR-22

Liability-only SR-22 policy for drivers who do not own a vehicle but need to maintain filing to satisfy Kentucky's post-DUI requirements.

Liability Insurance

Covers bodily injury and property damage you cause to others. Kentucky's 25/50/25 minimums are the floor, not a recommended limit.

Uninsured Motorist Coverage

Pays your medical bills and lost wages when you are hit by a driver with no insurance or insufficient coverage to pay your damages.

Find Your City in Kentucky

Louisville

urban

Lexington

urban

Bowling Green

suburban

Owensboro

urban

Covington

suburban

Georgetown

suburban

Richmond

suburban

Florence

suburban