If you’ve ever been ticketed for severe traffic violations, you might have heard about SR-22 requirements. SR-22 insurance isn’t actually insurance, though. Instead, this form is meant to show that you have a certain level of auto insurance coverage. In most cases, this coverage limit is the same as the state requirement for auto insurance. These proof-of-insurance forms are often required for drivers who have demonstrated a high level of risk on the road. Some states, though, do not use the SR-22. Kentucky is one such state.
Although there is no SR-22 insurance in Kentucky, understanding how these forms work could help you prepare if you are ever required to carry one in another state. Different states use different forms, but the forms often share many of the same qualities. While there are some costs associated with getting an SR-22 or similar document, it can end up costing much more if you ignore this requirement.
What is “SR-22 insurance?”
SR-22 insurance is not actually insurance. Instead, an SR-22 is a verification form that car insurance companies provide to the state, when requested, that shows that a driver meets the state-required level of auto insurance coverage. These forms are generally only required for high-risk drivers who have DUIs, major violations or numerous citations for other offenses on their driving records. Not all states use the SR-22 form. For instance, there is no SR-22 in Kentucky.
A state can request an SR-22 from drivers who have committed certain traffic violations. Once this happens, you will need to contact your auto insurance agent and inform them that you need an SR-22. The insurance company will provide you with an SR-22 or it may send it directly to the state electronically. However, not all insurance companies will insure high-risk drivers, so you may need to shop around and switch your insurance to find a carrier that can file the SR-22.
SR-22 Kentucky alternatives
While SR-22s are relatively common, not all states use the form, and even in states that do, there might be other forms you should know about. The table below showcases the different form types used in different states. While the forms serve a similar purpose, they are still unique from each other.
|Form||States issued||Required insurance minimums|
|SR-22||Most states (excluding Delaware, Kentucky, Maryland, Minnesota, New Mexico, New York, North Carolina, Oklahoma and Pennsylvania)||State minimum|
|SR-19||California, Texas||Uninsured motorist coverage|
|SR-21||Florida, Hawaii||State minimum|
|SR-22A||Georgia, Texas, Missouri||State minimum or more, pre-paid|
|FR-44||Florida, Virginia||Higher than state minimum (up to double)|
- SR-19: California and Texas use this form in accidents that involve uninsured motorists.
- SR-21: SR-21s are generally required after traffic violations or accidents to prove that a driver was insured at that time.
- SR-22A: The SR-22A verifies that a driver has purchased several months — usually six to 12 — of auto insurance coverage in advance.
- FR-44: Florida and Virginia require this document for some high-risk drivers. FR-44s require that drivers carry higher-than-state-minimum coverage.
- FR-19: Maryland uses this form to confirm coverage for a short period of time.
- SR-50: The SR-50 is an insurance verification form that verifies insurance coverage at a past date.
If you drive regularly but don’t have your own vehicle, you may already be familiar with non-owner car insurance. This policy type insures a driver but does not provide coverage for a vehicle. If you are required to have an SR-22 form, your insurance company will file it with the state like it would if you were insuring a car. Not all companies will file SR-22s, so you may still need to shop around.
Insurance verification forms in Kentucky
While Kentucky does not use the SR-22 or similar forms, drivers must still maintain at least the state minimum required auto insurance. Drivers are also required by law to keep proof of insurance with them when driving.
SR-22 Kentucky insurance costs
While an SR-22 on its own doesn’t raise insurance premiums, the events that lead up to the filing often will. For instance, if you are convicted of a DUI, your car insurance costs will almost certainly go up. You may also need to maintain an SR-22, depending on the state.
That said, there is generally a small filing fee associated with getting an SR-22. Beyond that, risky drivers may be required to carry a higher level of auto coverage than the usual state minimum, which could increase insurance costs.
While the SR-22 itself results in minimal costs (just the filing fee), the circumstances around needing an SR-22 often involve more severe costs. Generally speaking, the riskier a person is to insure, the higher their rates will be.
If your insurance is too expensive with an SR-22, you may be able to shop around to find a cheaper car insurance provider.
Frequently asked questions
How long do I need an SR-22 in Kentucky?
You will not need an SR-22 filing in Kentucky as the state does not use this type of form. In general, though, SR-22 forms are required for three years. During those years, you must maintain the minimum required level of coverage; if your policy lapses or you cancel it without replacing it, your insurance carrier will notify the Department of Motor Vehicles and your license will likely be suspended.
How to get an SR-22 in Kentucky?
In Kentucky, you will not need an SR-22. However, generally speaking, insurance carriers file SR-22s directly with the state. But even some of the best car insurance companies aren’t able to insure high-risk drivers, which means you might need to shop around.
Why do rates go up if I have driving incidents?
Insurance rates are based on risk. The riskier a company thinks you are, the higher your rates are likely to be. This is because riskier drivers may be more likely to cause accidents in the future, which could cost the insurance company money. To compensate, companies charge more for riskier drivers.
What is the best car insurance in Kentucky?
The best Kentucky car insurance company will vary by driver. You may be looking for the cheapest car insurance in Kentucky, certain coverage types or certain discounts. Knowing what matters to you and shopping around could help you find the best policy for your needs.