Home » SR-22 Insurance State Guide » Kentucky SR-22 Insurance

Written by:

Elijah Black

Lead Insurance Writer

Elijah Black is a Greenville, South Carolina native with a B.A. English from Coastal Carolina University. He is a fiction writer and also works as a freelance writer and editor. He’s worked as a Production Assistant for WYFF 4 and has been published in several publications and websites across the United States.

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Written by Elijah Black

Lead Insurance Writer

Reviewed by:

Rachael Brennan

Licensed Auto Insurance Agent

Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health in...

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Reviewed by Rachael Brennan

Licensed Auto Insurance Agent

UPDATED: Dec 4, 2023

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Drivers who are convicted of a serious driving infraction are required to file an SR-22 form in many states in the U.S. There is a fee to file the form and car insurance rates for those filing for SR-22 insurance are usually expensive.

There is no SR-22 insurance requirement in Kentucky, but if you have an SR-22 filing requirement in another state, you will have to maintain it if you move to Kentucky. 

Keep reading to find out everything you need to know about Kentucky SR-22 insurance.

What is Kentucky SR-22 Insurance?

An SR-22 car insurance certificate, also known as a financial responsibility insurance form, serves as proof that you are financially responsible for carrying the minimum required amount of insurance on your vehicle.

Six major factors affect car insurance rates in Kentucky. Which auto insurance factors will impact SR-22 rates the most? Typically, that’s a KY DUI conviction, but other factors will come into play.

Who needs SR-22 insurance in Kentucky?

In Kentucky, SR-22 car insurance is not a requirement. However, drivers who are required to file an SR-22 in another state should maintain their SR-22 as required by that state’s laws. Failure to maintain an SR-22 you filed in another state could result in suspension of your driver’s license in the state of Kentucky if you are stopped by a police officer during a traffic stop or accident.

Are there different types of SR-22 forms?

There are three types of SR-22 forms a driver can file: Operator, Owner and Operator-Owner. Operator’s SR-22 insurance covers financial responsibility for drivers who do not own a vehicle. Owner’s SR-22 insurance covers financial responsibility for drivers who own a vehicle. Operator’s-Owner’s SR-22 insurance covers financial responsibility for all vehicles a driver owns or does not own.

Is SR-22 Insurance required in Kentucky?

All motorists in the state of Kentucky must carry liability insurance; Kentucky SR-22 car insurance is not required. Drivers who have to file an SR-22 in another state should continue to do so.

How can I file a KY SR-22 Insurance Form?

You can ask your insurer to file an SR-22 form with the state requiring such filing. The insurance company will charge a processing fee for the SR-22 filing, which can vary among agencies. Depending on the state, your insurer may need to file the SR-22 within a specified timeframe, such as 30 days. Once the filing is accepted, you should receive the SR-22 form from your insurer. An SR-22 must be maintained for two to three years and must be renewed in a timely fashion to avoid suspension of your driver’s license.

Kentucky SR-22 Insurance: The Bottom Line

If you’ve been convicted of a driving violation in Kentucky, you may be considered a high-risk or non-standard driver and may have an SR-22 requirement. This may result in your car insurance rates increasing. Most states require an SR-22 form to be filed by certain high-risk drivers guilty of severe violations.

Even though Kentucky doesn’t require an SR22 form, drivers with violations typically associated with SR-22 insurance may have a harder time finding an insurance company that will sell them a policy. If you’re considered a high-risk driver, it may be a good idea to shop for a new car insurance carrier in Kentucky.