Kentucky SR-22 Car Insurance

How Much Does SR-22 Cost in Kentucky?

In Kentucky, receiving any driving violations at least once gives a possibility for an SR-22 application. SR-22 insurance in Kentucky requires every high-risk driver to meet the minimum liability requirements.

Drivers in Kentucky who have received driving citations in the past are bound to pay more expensive rates. However, the increase in their car insurance policy in Kentucky will depend on the severity of the violation.

What is the rate of SR-22 insurance in Kentucky?

Normally, Kentucky’s SR-22 insurance rate increase goes up to 50% or more. Driving citations such as speeding tickets can also render an increase in your car insurance rates in Kentucky. Thus, regardless of the kind of violation you commit, your auto insurance rate will rise significantly.

Nonetheless, there are also ways to gain cheap SR-22 insurance in Kentucky. Comparing rates from different car insurance companies will aid in identifying the one that will lead to more affordable SR-22 insurance rates. You can gather information about various policies from other companies and take into account your current driving profile. Additionally, you can hire an agent to help you come up with cheap SR-22 insurance in Kentucky.

Kentucky SR-22 Car Insurance Rates

Several major car insurance companies in Kentucky offer SR-22 insurance. These car insurance companies intensively evaluate your driving history to determine your risk level. Insurers will then give your SR-22 car rates upon examining your recent driving profile, location, age, and vehicle type.

Drivers in Kentucky with DUI and SR-22 insurance pay up to 80% more in contrast to the same driver without any violations. Roughly $2,600 is the cost of SR-22 insurance in Kentucky if convicted of DUI. Hence, SR-22 insurance is an indication of an expensive car insurance rate in Kentucky. 

What is SR-22 Car Insurance in Kentucky?

SR-22 insurance projects the financial responsibility and stability of the high-risk driver. There are a couple of requirements when acquiring SR-22 insurance in Kentucky. One is purchasing a car insurance policy that meets the standard level of the liability insurance policy. The other one is the filing of the SR-22 form, which must be done by your insurer on your behalf.

Offenses in Kentucky That Can Lead to SR-22 Insurance

How Long Do You Need an SR-22 After an Accident?

Typically, the length of how long you will need SR-22 insurance is measured by the level of your violation or the severity of the damages.  Most of the violations will only render a three-year SR-22 insurance requirement. However, for more severe fractions of breaches and damages, it can last up to ten years.

Being under SR-22 insurance, you will need to be prompt with payments and following the good driver rules. If you fail to do so, it is likely for your driving privileges to be suspended again and your car insurance policy to get canceled. Thus, any lapses can lead to non-renewable policies and driver’s license. 

Kentucky Non-Owner SR-22 Insurance

Three Forms of Financial Responsibility

Non-owner SR-22 insurance holders garner cheaper rates in contrast to those under an owner’s policy. It is one way to reduce your SR-22 insurance cost in Kentucky after a violation. Many purchase non-owner insurance coverage before their SR-22 application to garner cheaper rates.

Types of SR-22 Endorsement in Kentucky

Auto Owner Policy

This policy provides full coverage or liability for your car that is registered under your name. You can also add on a few comprehensive policies such as uninsured motorist, underinsured motorist, medical coverage, rental and towing coverage, and other premiums depending on the company you chose.

Non-Owner Policy

The non-owner policy may not be as comprehensive and secure as auto owner policyholders but it sure is cheaper. However, the coverage you are only entitled to purchase is the minimum liability coverage.

Motorcycle SR-22 Insurance

Motorcycle SR-22 Insurance is a standard motorcycle insurance policy for drivers under SR-22.

Kentucky SR-22 Insurance Requirements

How To Get an SR-22 Insurance in Kentucky?

If you have active car insurance coverage, it can be easy to acquire an SR-22 after a violation. Just directly contact your agent or car insurance provider and request them to file SR-22 insurance on your behalf. However, there are some insurance companies around Kentucky that might refuse your request. Thus, the best thing to do is to look for another company that can cater to your needs.

Here are the most crucial steps:

Kentucky SR-22 Car Insurance

Kentucky Car Insurance Rates After A DUI/DWI Per Company

CompanyAnnual Average Rate
Safeco$1,740
USSA$1,780
Progressive$2,089
Allstate$2,155
Kentucky Farm Bureau$2,444
Cincinnati Insurance Company$2,588
Auto-Owners$3,201

Filing a Kentucky SR-22 Insurance for Insured Drivers

If you are insured and want to file SR-22 car insurance in Kentucky, an additional cost will be billed to you for the whole process of the application. It is likely for some insurance companies to disqualify your application. However, there will be other companies that would be willing to sell you SR-22 insurance. 

Filing a Kentucky SR-22 Insurance for Non-Owners

It can be tricky for non-owner drivers to acquire SR-22 insurance, but it also can be cheaper. All you need to do is concrete proof of your insurance to acquire the required certificates that were mentioned above.

The best thing to do is to purchase non-owners car insurance coverage before trying to apply for SR-22 insurance. It may take a lot of your time and effort but, being able to qualify for non-owners SR-22 insurance will help you garner cheaper rates since you will not be given coverage for the physical damage of your vehicle in cases of collision.

Therefore, it is better to prevent the obligation of acquiring SR-22 insurance as much as possible. Maintaining a good driving profile and intentionally avoiding road violations will keep on you the list of good drivers in Kentucky, which, relatively, the best way to keep your car insurance rate on the average level. 

Kentucky SR-22 Insurance FAQs

  • How much does it cost to process a license reinstatement in Kentucky?

    It costs $40 to complete the driver’s license reinstatement in Kentucky.

  • After receiving a DUI citation, how much increase should I expect from my car insurance rate in Kentucky?

    Depending on the severity of the violation and the damages you cause during the accident due to driving under the influence, but, an increase of 80% will likely reflect on your policy.

  • How much is the cost of a policy with DUI in Kentucky?

    A beaming $2,600 increase will reflect on your car insurance rate for the next succeeding years. 

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