Elijah Black is a Greenville, South Carolina native with a B.A. English from Coastal Carolina University. He is a fiction writer and also works as a freelance writer and editor. He’s worked as a Production Assistant for WYFF 4 and has been published in several publications and websites across the United States.

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Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health in...

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Reviewed by Rachael Brennan
Licensed Auto Insurance Agent

UPDATED: Nov 2, 2020

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What is Kentucky SR-22 Insurance?

A SR-22 car insurance certificate, also known as a financial responsibility insurance form, serves as proof that you are financially responsible for carrying the minimum required amount of insurance on your vehicle.

Six major factors affect car insurance rates in Kentucky. Which auto insurance factors will affect SR-22 rates the most? Typically that’s a KY DUI conviction, but the other factors will come into play.

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Who Needs SR-22 Insurance in Kentucky?

In Kentucky, SR-22 car insurance is not a requirement. However, drivers who are required to file a SR-22 in another state should maintain their SR-22 as required by that state’s laws. Failure to maintain an SR-22 you filed in another state could result in suspension of your driver’s license in the state of Kentucky if you are stopped by a police officer during a traffic stop or accident.

Are There Different Types of SR-22 Forms?

There are three types of SR-22 forms a driver can file: Operator, Owner and Operator-Owner. Operator’s SR-22 insurance covers financial responsibility for drivers who do not own a vehicle. Owner’s SR-22 insurance covers financial responsibility for drivers who own a vehicle. Operator’s-Owner’s SR-22 insurance covers financial responsibility for all vehicles a driver owns or does not own.

Is SR-22 Insurance Required in Kentucky?

All motorists in the state of Kentucky must carry liability insurance; Kentucky SR-22 car insurance is not required. Drivers who have to file an SR-22 in another state should continue to do so.

How Do I File a KY SR-22 Insurance Form?

You can ask your insurer to file a SR-22 with the state requiring such filing. The insurance company will charge a processing fee, which can vary among agencies. You can go (here) to request a quote from state-authorized agencies in your area. Depending on the state, your insurer may need to file the SR-22 within a specified timeframe, such as 30 days. Once the filing is accepted, you should receive the SR-22 form from your insurer. A SR-22 must be maintained for two to three years and must be renewed in a timely fashion to avoid suspension of your drivers’ license.