Kentucky doesn't require high-risk drivers to file SR-22 forms, but all drivers in-state must meet Kentucky’s minimum liability requirements and their

car insurance

rates will go up significantly.

Here's what you need to know about SR-22 forms and high-risk insurance in Kentucky from

Jerry

, the car insurance comparison shopping app. We'll also go over the easiest way to find

car insurance in Kentucky.

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Does Kentucky require SR-22 insurance?

No. Kentucky is one of a handful of states that don’t require special documentation after you’ve had your license suspended.

That doesn’t mean you're off the hook, though. You’ll still have to prove to the DMV that you have the

minimum required insurance

to stay on the road. In Kentucky, that means

liability insurance

, which includes:

$25,000

bodily injury liability

per person

$50,000 bodily injury liability per accident

$25,000

property damage liability

per accident

Key takeaway You’re not legally required to have an SR-22 in Kentucky, but you’ll need to prove to the DMV that you have the minimum required insurance to stay on the road.

Who needs an SR-22 in Kentucky?

Legally, drivers do not need to obtain an SR-22 in Kentucky if they’ve had their license revoked or suspended for the violations like:

Driving under the influence (DUI or DWI)

Driving without car insurance

Driving with a revoked or suspended license

Having repeated traffic violations in a certain amount of time, including speeding tickets

Numerous at-fault accidents

A fatal at-fault accident or one that results in injuries

Reckless or dangerous driving

Assignment from a court order

Failure to pay fines from tickets

Refused consent to breathalyzer or blood alcohol test

MORE:

Moving to a state that requires an SR-22

There is a catch, though. If you move to a state that requires an SR-22 to stay on the road, you’ll need your insurer to file one for you.

That means you’ll have to find new insurance altogether, as your Kentucky provider won’t file one for you. Note that there will likely be a small filing fee.

Key Takeaway If you’ve been convicted of a serious driving violation in Kentucky and you’re moving to a new state, make sure you secure an insurer in your new state to file an SR-22 form on your behalf.

How does a license suspension impact your insurance in Kentucky?

When you’re allowed back on the road, your

insurance prices might spike

. The exact figure will vary, but Kentucky sees an insurance increase of roughly 93% after a DUI conviction.

MORE:

Average car insurance cost in 2021

How to find cheap car insurance

License suspensions aren’t great for your driving record or bank account. But they’re not the end of the world.

You can still find a good car insurance package at a price that suits you. To find the best deal, try the

Jerry

app.

As a

licensed broker

, Jerry compares plans from over 55 insurance companies nationwide to find you the best price for the coverage you need. Jerry gathers your information from your past insurer so you're not responsible for any long forms or phone calls. Basically, you get all of the savings and coverage, with none of the hassles.

"I have no clue how
Jerry
did it, but they just about cut my rate in half with the same provider and the same coverage. I even went through the new policy after it was finalized to make sure all the coverage was the same and the deductibles were the same. I still can’t believe it"—Lucy M.

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