SR-22 in Kentucky | The bank rate
If you’ve ever been ticketed for serious traffic violations, you may have heard of the SR-22 requirements. However, SR-22 insurance is not actually insurance. Instead, this form is meant to show that you have some level of auto insurance coverage. In most cases, this limit of coverage is the same as the state’s requirement for auto insurance. These proof of insurance forms are often required for drivers who have demonstrated a high level of road risk. Some states, however, do not use the SR-22. Kentucky is one of those states.
While there is no SR-22 insurance in Kentucky, understanding how these forms work could help you prepare if you ever need to have one in another state. Different states use different shapes, but the shapes often share many of the same qualities. While there are costs associated with obtaining an SR-22 or similar document, it can end up costing a lot more if you ignore this requirement.
What is “SR-22 Insurance?” “
SR-22 insurance is not really insurance. Instead, an SR-22 is a verification form that auto insurance companies provide to the state, upon request, that shows that a driver meets the level of auto insurance coverage required by the state. . These forms are generally only required for high risk drivers who have DUIs, major infractions, or many citations for other infractions on their driving records. Not all states use the SR-22 form. For example, 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 advise them that you need an SR-22. The insurance company will provide you with an SR-22 or they can send it directly to the state electronically. However, not all insurance companies will insure high-risk drivers, so you may have to shop around and change insurance to find a carrier that can drop off the SR-22.
Alternatives to the SR-22 Kentucky
While SR-22s are relatively common, not all states use the form, and even in states that do, there may be other forms that you should be aware of. The table below shows the different types of forms used in different reports. Although forms serve a similar purpose, they are still unique from each other.
|Form||States issued||Insurance minimums required|
|SR-22||Most states (except Delaware, Kentucky, Maryland, Minnesota, New Mexico, New York, North Carolina, Oklahoma, and Pennsylvania)||Minimum condition|
|SR-19||California, texas||Coverage for uninsured motorists|
|SR-21||Florida, Hawaii||Minimum condition|
|SR-22A||Georgia, Texas, Missouri||Minimum state or higher, prepaid|
|FR-44||Florida, Virginia||Greater than state minimum (up to double)|
- SR-19: California and Texas use this form in accidents involving uninsured motorists.
- SR-21: SR-21s are typically 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 certain high-risk drivers. The FR-44s require drivers to have coverage above the state minimum.
- 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 to a past date.
If you drive regularly but don’t have your own vehicle, you may already be familiar with auto insurance for non-owners. This type of policy insures a driver but does not cover a vehicle. If you need to have an SR-22 form, your insurance company will file it with the state just as they would if you insure a car. Not all companies will drop SR-22, so you may still need to shop around.
Kentucky Insurance Verification Forms
Although Kentucky does not use the SR-22 or similar forms, drivers must still maintain at least the minimum car insurance required by the state. Drivers are also required by law to keep proof of insurance with them when driving.
Kentucky SR-22 Insurance Fee
While an SR-22 on its own won’t increase insurance premiums, the events leading up to filing often will. For example, if you are convicted of a DUI, your car insurance costs will almost certainly increase. You may also need to maintain an SR-22, depending on the condition.
That said, there is usually a minimal filing fee associated with obtaining an SR-22. Beyond this, at-risk drivers may be required to purchase a higher level of auto coverage than the state’s usual minimum, which could increase insurance costs.
While the SR-22 itself comes with minimal costs (just the filing fee), the circumstances surrounding the need for an SR-22 often involve higher costs. In general, the more risky 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 auto insurance provider.
Frequently Asked Questions
How Long Do I Need an SR-22 in Kentucky?
You won’t need an SR-22 filing in Kentucky because the state does not use this type of form. Typically, however, SR-22 forms are required for three years. During these years, you must maintain the minimum level of coverage required; If your policy expires or if you cancel it without replacing it, your insurer will notify the Department of Motor Vehicles and your license will likely be suspended.
How do I get an SR-22 in Kentucky?
In Kentucky, you won’t need an SR-22. However, generally speaking, insurance companies file SR-22s directly with the state. But even some of the best auto insurance companies can’t insure high-risk drivers, which means you may have to shop around.
Why are the rates going 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 the riskier drivers are 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 auto insurance in Kentucky?
The best Kentucky auto insurance company varies by driver. You might be looking for Kentucky’s cheapest auto insurance, certain types of coverage, or certain discounts. Knowing what matters to you and shopping around could help you find the best policy for your needs.