Car Insurance With Points
Get a Quote
A curving two-lane road with yellow center lines runs through forested hills under an overcast sky, with orange and red maple leaves in sharp focus in the right foreground above a stone retaining wall.

Kentucky SR-22 & High-Risk Auto Insurance

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

Find Coverage with Points on Your License

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

Yes

A defensive driving course can reduce points on your record

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

Minimum Coverage Requirements in Kentucky

SR-22 filing is typically required after DUI convictions, driving under suspension, accumulating excessive points, or being involved in an at-fault accident without insurance. Most drivers with standard point violations from speeding tickets or minor accidents do not need SR-22 unless they reach Kentucky's 12-point suspension threshold or trigger a specific violation. The state uses a point system where 12 points in 24 months results in license suspension.

Liability Insurance

Kentucky's minimum 25/50/25 liability limits are among the lowest in the nation and are often insufficient for drivers with violations.

SR-22 Insurance

SR-22 is not a type of insurance but a certificate filed by your insurer with the Kentucky Transportation Cabinet proving you carry at least minimum liability coverage. It is typically required for 3 years after major violations including DUI, reckless driving, or driving without insurance. If your policy lapses or is canceled during the SR-22 period, the insurer must notify the state within 10 days, which triggers an immediate license suspension and restarts the entire 3-year filing requirement from zero.

Non-Standard Auto Insurance

Non-standard carriers specialize in insuring drivers with DUIs, multiple violations, license suspensions, or SR-22 requirements who are declined by standard insurers. In Kentucky, non-standard carriers include regional specialists who offer monthly payment plans and immediate SR-22 filing, which is critical if you are under a court-ordered deadline.

Uninsured Motorist Coverage

If you are hit by an uninsured driver, you can only recover damages if you carry UM coverage or pursue a costly lawsuit against someone who likely has no assets. High-risk drivers who already carry SR-22 should strongly consider adding UM/UIM at matching liability limits, as a second at-fault accident during the SR-22 period can result in license revocation.

Full Coverage

Full coverage combines liability, collision, and comprehensive insurance, covering damage to your own vehicle in addition to liability for others. If you have a loan or lease, your lender typically requires full coverage regardless of your driving record.

What Drivers Pay in Kentucky

$239–$311/mo

Typical monthly rate in Kentucky, drivers after a speeding ticket

Rate data: ValuePenguin and CarInsurance.com, 2026

What Affects Your Rate

  • Point total: Kentucky suspends licenses at 12 points in 24 months, and drivers near this threshold face steep increases even before suspension
  • SR-22 duration remaining: rates may decrease slightly after 1–2 years of clean driving during the SR-22 period
  • Location: urban areas like Louisville and Lexington have higher rates due to accident frequency and uninsured driver rates
  • Prior insurance lapse: a coverage gap of 30+ days during SR-22 can double premiums and restart the filing requirement
A woman with long gray-blonde hair, wearing a light scarf, cardigan and cream pants, stands in the open driver's door of a dark sedan on a tree-lined street.

See What Points Are Really Costing You

Find Coverage with Points on Your License

Coverage Types

Liability Insurance

Covers injuries and property damage you cause to others. Kentucky's 25/50/25 minimums are often insufficient if you cause a serious accident, leaving you personally liable for the difference.

SR-22 Insurance

A certificate filed by your insurer proving you meet Kentucky's minimum coverage requirements. Required after DUI, major violations, or suspension.

Non-Standard Auto Insurance

Specialized coverage for drivers declined by standard carriers due to DUI, suspensions, or multiple violations. Often the only option for maintaining legal driving status.

Uninsured Motorist Coverage

Covers your injuries and vehicle damage if you are hit by a driver with no insurance or insufficient limits. Optional in Kentucky but highly recommended.

Full Coverage

Combines liability, collision, and comprehensive to cover both your liability to others and damage to your own vehicle. Required by lenders if you have a loan or lease.

Collision Coverage

Covers damage to your vehicle after an at-fault accident or collision with an object, minus your deductible. Optional unless you have a loan or lease.

Find Your City in Kentucky

Louisville

urban

Lexington

urban

Bowling Green

suburban

Owensboro

urban

Covington

suburban

Georgetown

suburban

Richmond

suburban

Florence

suburban