Home / Data by state / Kentucky
Does Kentucky Require an SR-22? What You Need Instead
The short answer
Kentucky does not use SR-22: the state laws that once required proof of future financial responsibility were repealed in 1976 and 1978. Kentucky enforces insurance through vehicle registration, so a first no-insurance offense revokes the registration rather than the license. Minimum liability is $25,000 per person and $50,000 per accident for injuries, and $25,000 for property damage (25/50/25).
At a glance
| Uses SR-22 | No; the law was repealed in 1976 and 1978 |
|---|---|
| Minimum liability | 25/50/25 |
| How long | No SR-22 |
| State reinstatement fee | $40 |
| Who files it | No filing |
What else to know in Kentucky
Kentucky charges $40 to reinstate a driver license and $40 to reinstate a canceled vehicle registration. A policy with a single limit of $60,000 is also accepted.
Steps
- Get a liability policy of at least 25/50/25 from an insurer licensed in Kentucky.
- Show proof of insurance as your suspension notice instructs.
- Pay the reinstatement fees listed on your notice.
FAQ
Does Kentucky require an SR-22?
Kentucky's motor vehicle agency lists no SR-22 requirement; it asks for an active policy of at least 25/50/25. Confirm your case with the agency.
What liability limits does Kentucky require?
$25,000 per person and $50,000 per accident for injuries, and $25,000 for property damage (25/50/25). Some states also require other coverage, such as personal injury protection or uninsured motorist coverage; check with the state agency.