Updated March 2026
State Requirements
Kentucky mandates minimum liability coverage of $25,000 per person and $50,000 per accident for bodily injury, plus $25,000 for property damage (25/50/25). Drivers with DUI convictions, multiple moving violations, at-fault accidents while uninsured, or license suspensions must file SR-22 proof of insurance with the Kentucky Transportation Cabinet. The SR-22 requirement typically lasts 3 years from the date of filing, and any lapse in coverage during this period restarts the clock and triggers license suspension.
Cost Overview
High-risk drivers in Kentucky pay significantly elevated premiums due to DUI convictions, multiple violations, at-fault accidents, or license suspensions on their record. Average annual premiums for SR-22 drivers range from $2,400–$5,200 depending on violation severity, with DUI offenders typically paying the highest rates. Rates begin to decrease after 3–5 years of clean driving, though the SR-22 filing requirement itself lasts 3 years.
What Affects Your Rate
- Type of violation: DUI convictions carry higher surcharges than speeding tickets or lapses
- Time since offense: rates decrease after 3 years for violations, 5 years for DUI
- Number of incidents: second DUI or third at-fault accident may limit carrier availability to assigned risk pool
- Location: Louisville and Lexington urban drivers pay 15–25% more than rural Kentucky counties
- Age and gender: drivers under 25 with SR-22 requirements face the steepest premiums
- Vehicle type: older vehicles allow drivers to drop collision and reduce total premium by 30–40%
Compare Auto Insurance Rates in Kentucky
Coverage Options
Find Your City in Kentucky
Frequently Asked Questions
Sources
- Kentucky Transportation Cabinet - Division of Driver Licensing
- Kentucky Department of Insurance - Auto Insurance Requirements
- Kentucky Revised Statutes 187.290 - Motor Vehicle Insurance Requirements