Kentucky SR-22 Insurance After a DUI — Do You Need One?
Kentucky does not appear to require SR-22 insurance after a DUI. KYTC’s reinstatement and mandatory-insurance guidance does not list an SR-22 or FR-44 certificate filing as a requirement after a DUI conviction under KRS 189A. Standard liability insurance (25/50/25) must be maintained throughout your interlock license period, but no special filing certificate appears to be required. Confirm this with your insurer or a licensed Kentucky attorney for your specific situation.
If you found this page searching for “Kentucky SR-22 after DUI,” you likely don’t need one. What Kentucky does require after a DUI is an ignition interlock device if you want to drive during your suspension — and the interlock path is almost always the better choice, cutting your suspension time significantly and letting you drive immediately.
Kentucky post-DUI requirements at a glance
| SR-22 required? | Not confirmed — KYTC guidance does not list SR-22 or FR-44 as a requirement after a DUI conviction |
| Insurance required? | Yes — standard liability insurance (25/50/25) must remain active throughout your interlock license period |
| Ignition interlock? | Required if you want to drive during your suspension (incentive-based, not mandated) |
| 1st offense — interlock path | 4 months on interlock license + 90 violation-free days = full reinstatement |
| 1st offense — no-interlock path | 6-month hard suspension with no driving at all |
| Provider fee caps | $100–130 install, $100/month, $30 removal (statutory caps) |
| Affordability program | 25–75% of capped fees for income-qualifying drivers (form TC 94-188) |
What you actually need after a Kentucky DUI
Kentucky’s post-DUI requirements center on the ignition interlock license — not an insurance filing. Here’s what applies:
- Choice of path: Apply for an ignition interlock license (drive during suspension, shorter term) or sit out a hard suspension with no driving.
- DUI treatment program: Must be completed before full reinstatement regardless of which path you choose.
- Standard liability insurance: Must remain active throughout your interlock period — 25/50/25 minimum. No special certificate filing.
Your DUI may still raise your insurance premium. Even without an SR-22 requirement, a DUI conviction is a major rating factor that will increase your premium at renewal. Comparing quotes from carriers that specialize in post-DUI coverage can lower what you pay. Compare quotes →
Ready to get the interlock installed?
Four KYTC-certified providers operate statewide. Kentucky caps fees by statute and offers income-based reductions down to 25% of those caps. The interlock path for a first DUI costs roughly $530–560 at full rates — or as little as $135 with the affordability program.
4 months driving with a device vs. 6 months of no driving. The interlock is almost always the right call.
Get a free interlock quote
See our full Kentucky ignition interlock guide → for KYTC-certified providers, the 4-tier affordability program, the six violations that reset your clean-days clock, and suspension comparison tables.
Kentucky DUI insurance FAQ
Does Kentucky require SR-22 after a DUI?
Kentucky does not appear to require SR-22 or FR-44 certificate filings after a DUI conviction. KYTC’s reinstatement guidance does not list a filing requirement. Standard liability insurance (25/50/25) must be maintained, but no special certificate is required. Confirm with your insurer or attorney for your specific situation.
Will my insurance rates go up after a Kentucky DUI?
Almost certainly yes, at your next renewal. A DUI conviction is a major rating factor for every standard insurer even without an SR-22 requirement. Comparing quotes from carriers that specialize in post-DUI coverage can meaningfully lower what you pay.
What insurance do I need during my interlock period in Kentucky?
Standard auto insurance with at least Kentucky’s minimum liability limits (25/50/25). Your policy must remain active throughout your ignition interlock license period. No special endorsement or certificate filing is required — just keep your standard policy current.
Do I need an ignition interlock in Kentucky?
Not if you choose to sit out your suspension with no driving. But if you want to drive during your suspension, an ignition interlock license is required — and it cuts your suspension time by a third or more. For a first DUI, that’s 4 months driving with a device versus 6 months of no driving at all. Most drivers choose the interlock. See our full Kentucky interlock guide for details.
Sources:
KYTC — DUI Information;
KRS 189A.340; KRS 189A.070; KRS 189A.345.
Last verified August 2026.
Content is informational only — not insurance or legal advice. Verify all insurance requirements with KYTC or a licensed Kentucky insurance agent.