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Kentucky DUI & License Suspension Insurance Guide

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

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

After a DUI conviction or major violation in Kentucky, most standard insurers will send you a non-renewal notice—not an immediate cancellation. This gives you 30-60 days to find new coverage, but you must act quickly. The Kentucky Transportation Cabinet requires you to carry SR-22 certification for 3 years, proving continuous liability coverage at state minimums. If you're convicted of DUI or your license is suspended, you cannot drive legally in Kentucky without both valid insurance and an active SR-22 filing on record with the state.

SR-22 Certificate Filing

SR-22 is not a type of insurance—it is a certificate your insurer files with the Kentucky Transportation Cabinet proving you carry the required minimum liability coverage. Not all carriers offer SR-22 filing; most standard insurers do not write policies for drivers with DUI convictions or suspensions.

Non-Standard Auto Insurance

Non-standard auto insurance is coverage sold by carriers that specialize in high-risk drivers—those with DUIs, violations, lapses, or suspensions on their record. These policies cost significantly more than standard coverage because the carrier assumes higher risk. In Kentucky, non-standard carriers are often your only option after a DUI or major violation, especially during the SR-22 filing period.

Liability Insurance

These are the floors—if you're required to carry SR-22, your policy must meet or exceed these minimums at all times. Many non-standard carriers offer only state minimums; if you want higher limits, expect to pay substantially more.

High-Risk Auto Insurance

High-risk auto insurance is the broader category of coverage for drivers classified as high-risk due to violations, DUIs, accidents, or lapses. In Kentucky, after a DUI or suspension, you are automatically classified as high-risk, which means higher premiums and fewer carrier options. High-risk policies often come with SR-22 filing included, but you must confirm this before purchasing.

Comprehensive & Collision Coverage

Comprehensive and collision coverage are optional in Kentucky unless your vehicle is financed or leased. Some non-standard carriers impose higher deductibles or exclude certain coverages entirely.

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

  • Time since violation (rates decrease as the violation ages, with noticeable drops after 3 and 5 years)
  • Prior driving record (clean record before the violation results in lower increases than multiple violations)
  • Coverage level selected (state minimums are cheapest; full coverage with high limits can triple base rates)
  • Carrier availability (fewer carriers serve high-risk drivers in Kentucky; limited competition keeps rates high)
  • Zip code and county (urban areas like Jefferson and Fayette counties show higher non-standard rates due to claim frequency)
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Get Back to a Fair Rate After a Violation

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Coverage Types

High-Risk Auto Insurance

Coverage designed for drivers with DUIs, suspensions, or major violations. Premiums are significantly higher, and carrier options are limited, but this is often the only way to legally drive after a violation in Kentucky.

SR-22 Insurance

Not a separate insurance policy—SR-22 is a state filing that proves you carry continuous liability coverage. Required after DUI, suspension, or certain violations in Kentucky, and must remain active for 3 years.

Non-Standard Auto Insurance

Policies sold by carriers specializing in drivers who cannot obtain standard coverage. Rates are higher, coverage options are more limited, and some carriers require upfront payment or higher deposits.

Liability Insurance

Covers injury and property damage you cause to others. Kentucky requires 25/50/25 minimums, and SR-22 drivers must maintain these limits continuously or face immediate suspension.

Find Your City in Kentucky

Louisville

urban

Lexington

urban

Bowling Green

suburban

Owensboro

urban

Covington

suburban

Georgetown

suburban

Richmond

suburban

Florence

suburban