An SR-22 in Kentucky is not insurance itself — it’s a filing your insurance carrier submits to the Kentucky Transportation Cabinet certifying that you have the minimum required auto liability coverage. You need one if you’ve had a DUI, driving without insurance conviction, at-fault accident causing serious injury, or license suspension. Here’s how to get it, how much it costs, and how to get your license reinstated.
Written by Blake Boswell, licensed Kentucky property & casualty producer. Updated July 2026.
Who needs an SR-22 in Kentucky
- DUI or DWI conviction (typically 3 years)
- Driving without required insurance conviction (2-3 years)
- Reckless driving conviction
- At-fault serious injury or fatal accident
- Accumulation of moving violations beyond the point threshold
- License suspension for other reasons
How the SR-22 process works
- Get an auto insurance policy that meets Kentucky’s 25/50/25 minimum with a carrier that files SR-22s
- Request the SR-22 filing when binding — usually a $15-$25 filing fee
- Carrier files the SR-22 with the Kentucky Transportation Cabinet (electronically, usually same day)
- You take proof of SR-22 to Kentucky Transportation Cabinet along with any required fees
- License is reinstated after all requirements met
- Carrier maintains SR-22 for the required period (typically 3 years)
Cost of Kentucky SR-22 insurance (2026)
An SR-22 filing itself costs $15-$25. But the underlying insurance is dramatically more expensive because you’re now a non-standard risk. Typical Kentucky SR-22 policy costs:
| Situation | Typical Annual Premium |
|---|---|
| One DUI, otherwise clean | $1,800-$3,000 |
| Multiple violations + DUI | $2,500-$4,500 |
| DUI + at-fault injury accident | $3,000-$5,500 |
Which carriers write Kentucky SR-22 policies
Most standard carriers (Erie, State Farm, KFB) either don’t write SR-22 policies at all, or only continue existing customers. Non-standard carriers specialize in SR-22 business: Progressive, Direct Auto, Bristol West, Kemper, GAINSCO, and others. Boswell writes SR-22s through our non-standard markets — call and we’ll place it same-day.
How long does SR-22 last
Kentucky requires SR-22 filing for typically 3 years from the reinstatement date. During those 3 years, if your auto policy lapses even for a day, the carrier must notify Kentucky Transportation Cabinet, which will re-suspend your license. Don’t let coverage lapse.
After the 3-year period ends
Once the required period ends, you can switch back to a standard carrier — Erie, State Farm, etc. — and drop the SR-22 filing. Rates typically drop 40-60% at the switch back to standard carrier, especially if you’ve maintained clean driving during the 3-year period.
Non-owner SR-22 in Kentucky
If you don’t own a vehicle but still need to reinstate your license, a non-owner SR-22 policy provides liability coverage when you drive borrowed vehicles. Typical cost: $600-$1,200/year.
Get an SR-22 filing same day in Murray, KY
Call (270) 925-1524. Bring your driver’s license number, any court documents, and vehicle info. We file electronically same-day in most cases.
