Cheapest SR-22 Insurance in Kentucky for 2026 (Save With These 10 Providers)
Geico, State Farm, and Progressive have the cheapest SR-22 insurance in Kentucky, with premiums starting at $29/month. Geico offers low SR-22 insurance rates with an A++ financial rating. State Farm gives 30% usage-based discounts, and Progressive offers the Name-Your-Price tool for cheap Kentucky SR-22 insurance.
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19,116 reviewsCompany Facts
Min. Coverage for SR-22 in Kentucky
A.M. Best
Complaint Level
Pros & Cons
19,116 reviews
18,157 reviewsCompany Facts
Min. Coverage for SR-22 in Kentucky
A.M. Best
Complaint Level
Pros & Cons
18,157 reviews
13,285 reviewsCompany Facts
Min. Coverage for SR-22 in Kentucky
A.M. Best
Complaint Level
Pros & Cons
13,285 reviewsLook no further for the cheapest SR-22 insurance than Geico, State Farm, and Progressive, starting at just $29/month.
Why is it so hard to find cheap auto insurance? Securing cost-effective SR-22 insurance in Kentucky can be difficult, mainly due to elevated risk factors such as a subpar driving record and the complexities of state regulations.
We’ll cover available discounts and strategies for lowering your SR-22 insurance premiums.
Our Top 10 Company Picks: Cheapest SR-22 Insurance in Kentucky
| Company | Rank | Monthly Rates | A.M. Best | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
 | #1 | $29 | A++ | Online Tools | Geico |
 | #2 | $36 | B | Bundling Discounts | State Farm |
 | #3 | $41 | A+ | Continuous Coverage | Progressive |
 | #4 | $42 | A | New Customers | Safe Auto |
 | #5 | $45 | A | High-Risk Drivers | The General |
 | #6 | $47 | A- | Customizable Coverage | Bristol West |
 | #7 | $48 | C++ | Payment Plans | Acceptance |
 | #8 | $50 | A+ | Non-Standard Insurance | Dairyland |
 | #9 | $55 | A+ | Experienced Drivers | National General |
 | #10 | $61 | A | Flexible Filing | Liberty Mutual |
Whether you need minimum or full coverage, this article provides all the details you need to save. Get fast and cheap auto insurance coverage today with our quote comparison tool.
- The cheapest SR-22 insurance in Kentucky starts at $29/month
- Learn how to reduce your SR-22 premiums with available discounts
- Compare minimum and full coverage rates for affordable SR-22 insurance
#1 – Geico: Top Overall Pick
Pros
- Advanced Online Tools: Geico’s online services make it easy to file for SR-22 insurance in Kentucky. You can get immediate updates and access digital ID cards through their mobile app.
- Military Discounts: Geico offers substantial SR-22 insurance discounts for military members residing in Kentucky, making them more affordable than USAA. Compare Geico vs. USAA insurance to learn more.
- Multi-Vehicle Savings: Kentucky drivers can save up to 25% on their SR-22 insurance when insuring multiple vehicles with Geico.
Cons
- Limited Physical Locations: Geico’s focus on digital services may be inconvenient for Kentucky residents needing in-person assistance with their SR-22 insurance.
- Stringent Eligibility: High-risk Kentucky drivers with multiple violations may face scrutiny and higher costs, even with the $29 rate, because they need SR-22 insurance.
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#2 – State Farm: Cheapest Bundling Discounts
Pros
- Extensive Bundling Options: Kentucky SR-22 insurance holders can combine auto, home, and life insurance policies to achieve significant premium discounts.
- Drive Safe & Save Program: SR-22 policyholders in Kentucky can earn up to 30% off their insurance through safe driving monitored by telematics.
- Flexible Payment Plans: State Farm offers multiple payment options for Kentucky drivers requiring SR-22 insurance, maintaining a competitive $36 monthly rate.
Cons
- Higher Full Coverage Rates: SR-22 drivers in Kentucky looking for full coverage may face higher monthly premiums of $98 compared to minimum coverage (Read More: Kentucky Minimum Auto Insurance Requirements).
- Agent-Dependent Filing: Kentucky residents must typically work with an agent to file SR-22 insurance with State Farm, which can delay the process.
#3 – Progressive: Cheapest Continuous Coverage
Pros
- Benefits for Continuous Coverage: Kentucky drivers maintaining continuous SR-22 insurance coverage can receive increasing discounts over time with Progressive.
- Snapshot Program: Kentucky SR-22 insurance customers can reduce their premiums by using Progressive’s Snapshot program, which monitors driving habits.
- Customizable Plans: Progressive has flexible SR-22 insurance plans in Kentucky starting at just $41 a month, so drivers can customize their coverage to fit what they need.
Cons
- High Coverage Costs: Monthly premium for full coverage SR-22 insurance in Kentucky jumps to $111, making it significantly more expensive. Compare more rates in our Progressive SR-22 insurance review.
- Documentation Delays: Getting your SR-22 insurance sorted out with Progressive in Kentucky can take a bit of time, which might hold up your policy from starting.
#4 – SafeAuto: Cheapest for New Customers
Pros
- Incentives for New Customers: First-time SR-22 insurance filers in Kentucky receive special rates, potentially lowering the initial $42 monthly premium.
- Accessible Payment Options: SafeAuto offers various payment plans for SR-22 insurance in Kentucky, including low initial payment options.
- Paperless Discounts: Digital documentation enrollment can save additional money for Kentucky’s Safeauto SR-22 auto insurance policyholders.
Cons
- Limited Coverage Choices: SafeAuto offers limited choices for customizing SR-22 insurance coverage, sticking mostly to Kentucky’s basic requirements.
- Restricted Discount Combinations: Certain discounts on SR-22 insurance in Kentucky are not combinable, so you save less.
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#5 – The General: Cheapest for High-Risk Drivers
Pros
- High-Risk Specialization: The General caters to Kentucky drivers with multiple violations, offering SR-22 insurance at a reasonable $45 per month.
- Acknowledges Prior Coverage: Kentucky SR-22 clients with previous insurance history may receive lower premiums with The General.
- Lenient Underwriting: The General is more flexible with Kentucky SR-22 drivers who have complicated driving histories than other insurance companies.
Cons
- Higher Starting Rates: The General auto insurance review lists a $45 starting monthly premium for Kentucky SR-22, higher than some competitors.
- Limited Online Management: The General has simpler online tools for handling SR-22 insurance in Kentucky than bigger insurance companies.
#6 – Bristol West: Cheapest Customizable Coverage
Pros
- Customizable Policies: Bristol West provides flexible SR-22 insurance coverage options beyond the $47 minimum in Kentucky.
- Discounts for Prior Insurance: Our Bristol West auto insurance review highlights discounts for Kentucky SR-22 drivers with prior coverage.
- Enhanced Coverage Options: Kentucky drivers can add optional coverages to their SR-22 insurance policies for greater protection.
Cons
- Higher Premium Costs: Bristol West’s $47 SR-22 rate in Kentucky is higher than some competitors and will increase if you choose add-ons or additional benefits.
- Geographic Restrictions: Availability of Bristol West’s SR-22 insurance services is limited in some areas of Kentucky.
#7 – Acceptance: Best Payment Plans
Pros
- Payment Plan Variety: Acceptance offers numerous payment schedules for SR-22 insurance in Kentucky, making the $48 monthly premium more manageable.
- Smooth Policy Transfers: Our Acceptance auto insurance review notes a smooth transfer process for SR-22 drivers switching insurers in Kentucky.
- Low Initial Payments: Acceptance requires lower down payments for SR-22 insurance compared to other providers in Kentucky.
Cons
- Coverage Limitations: Acceptance’s SR-22 insurance choices usually only meet the basic coverage requirements set by Kentucky.
- Digital Platform Restrictions: The digital platform for managing SR-22 insurance with Acceptance is less robust than other major insurers in Kentucky.
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#8 – Dairyland: Cheapest Non-Standard Insurance
Pros
- Expertise in Non-Standard Insurance: Dairyland specializes in providing SR-22 insurance for high-risk drivers in Kentucky at a base rate of $50 per month.
- Transfer Discounts: Our Dairyland auto insurance review mentions savings for SR-22 drivers in Kentucky who switch insurers, potentially lowering their premiums.
- Homeowner Discounts: Additional savings are available for Kentucky SR-22 insurance policyholders who own homes.
Cons
- High Monthly Premiums: Dairyland’s SR-22 insurance rate of $50 per month in Kentucky is higher than several mainstream competitors.
- Frequent Customer Complaints: Dairyland has a high number of customer complaints regarding their SR-22 insurance services in Kentucky.
#9 – National General: Cheapest for Experienced Drivers
Pros
- Rewards for Safe Driving: National General offers discounts to Kentucky SR-22 drivers with clean driving records, reducing the $55 monthly premium.
- Affinity Group Discounts: Kentucky members of partner organizations can receive SR-22 insurance rate reductions from National General.
- Claims-Free Incentives: The National General auto insurance review noted that the Kentucky SR-22 car insurance discount structure rewards drivers who maintain claim-free records.
Cons
- Price Point Challenge: In Kentucky, National General’s SR-22 insurance starts at $55 a month, which is more expensive than what many other companies offer.
- Restrictive Payment Terms: It has less flexible payment arrangements for Kentucky SR-22 insurance than payment-focused carriers.
#10 – Liberty Mutual: Best Streamlined SR-22 Filings
Pros
- Efficient Filing Process: Liberty Mutual excels in handling SR-22 insurance documentation swiftly in Kentucky.
- Discounts for Safety Features: Kentucky SR-22 drivers with vehicles equipped with safety features can receive premium discounts from Liberty Mutual.
- Superior Claims Support: Superior claims processing and dedicated support for Kentucky SR-22 policyholders (Read More: Liberty Mutual Auto Insurance Review).
Cons
- Highest Base Premiums: Liberty Mutual has the highest starting rate for SR-22 insurance in Kentucky at $61 per month.
- Low Customer Satisfaction: Liberty Mutual ranks among the lowest in customer service and satisfaction for SR-22 insurance in Kentucky.
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SR-22 Insurance Rates in Kentucky for Basic vs. Full Coverage
If you’re looking for affordable auto insurance while dealing with an SR-22 requirement in Kentucky, you’ve come to the right place. Whether you need the minimum coverage or more comprehensive full coverage, we’ve compiled a list of the cheapest SR-22 insurance options available from top providers in the state:
Kentucky SR-22 Insurance Monthly Rates by Provider & Coverage Level
| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| $48 | $123 |
| $47 | $122 |
| $50 | $125 |
| $29 | $80 |
| $61 | $168 |
| $55 | $130 |
| $41 | $111 |
| $42 | $115 |
| $36 | $98 |
| $45 | $120 |
Finding affordable SR-22 insurance can be challenging, but it doesn’t have to break the bank. With these options for cheap SR-22 auto insurance in Kentucky, you can secure the coverage you need without overpaying.
Be sure to compare quotes and consider your coverage options to ensure you’re making the best choice for your situation. Safe driving.
SR-22 Insurance Discounts in Kentucky
When you’re required to carry SR-22 insurance in Kentucky, finding ways to lower your premium can make a big difference. Many top insurance providers offer discounts that can help reduce costs, such as accident-free discounts and safe driver incentives.
SR-22 Insurance Discounts From the Top Providers in Kentucky
| Insurance Company | Available Discounts |
|---|---|
| Multi-Vehicle Discount, Prior Insurance Discount, Paperless Billing Discount, Safe Driver Discount |
| Continuous Insurance Discount, Homeowner Discount, Prior Coverage Discount, Paperless Discount |
| Multi-Vehicle Discount, Transfer Discount, Homeowner Discount, Continuous Coverage Discount |
| Multi-Vehicle Discount, Good Driver Discount, Defensive Driving Course Discount, Military Discount |
| Vehicle Safety Features Discount, Multi-Vehicle Discount, Safe Driver Discount, Claims-Free Discount |
| Paid-in-Full Discount, Multi-Vehicle Discount, Safe Driver Discount, Affinity Group Discount |
| Snapshot Program, Multi-Vehicle Discount, Homeowner Discount, Continuous Coverage Discount |
| New Customer Discount, Multi-Car Discount, Paperless Billing Discount, Paid-in-Full Discount |
| Drive Safe & Save Discount, Multi-Policy Discount, Accident-Free Discount, Good Student Discount |
| Multi-Car Discount, Safe Driving Discount, Defensive Driving Discount, Prior Coverage Discount |
Taking advantage of discounts, like multi-vehicle auto insurance discounts, can be a smart way to lower your SR-22 premiums.
Kentucky drivers can save on SR-22 insurance by taking advantage of discounts like multi-vehicle, accident-free, and safe driver incentives from top providers.Scott W. Johnson LICENSED INSURANCE AGENT
You can find the best deal to fit your budget by comparing the available savings from different providers. Be sure to ask about all applicable discounts when shopping for SR-22 insurance, and drive safely.
SR-22 Insurance in Kentucky: Tips, Discounts, and Coverage Insights
The information points out important factors for Kentucky drivers seeking affordable SR-22 insurance. Most claims come from rear-end and side-impact crashes, which shows the importance of having coverage for these frequent accidents, including protection against damage caused by uninsured drivers or hit-and-run incidents.
5 Most Common Auto Insurance Claims in Kentucky
| Claim Type | Portion of Claims | Cost per Claim |
|---|---|---|
| Rear-End Collisions | 30% | $5,000 |
| Side-Impact Collisions | 25% | $4,500 |
| Hit-and-Run Incidents | 15% | $3,000 |
| Distracted Driving Accidents | 10% | $7,000 |
| Backing Up Mishaps | 8% | $2,500 |
Additionally, Louisville and Lexington have the highest rates of accidents, which could lead to higher insurance costs in those locations.
Kentucky Accidents & Claims per Year by City
| City | Accidents per Year | Claims per Year |
|---|---|---|
| Bowling Green | $3,200 | $1,800 |
| Covington | $2,200 | $1,200 |
| Florence | $1,500 | $850 |
| Georgetown | $1,200 | $700 |
| Henderson | $1,100 | $650 |
| Hopkinsville | $1,800 | $1,000 |
| Lexington | $10,000 | $5,500 |
| Louisville | $15,000 | $8,000 |
| Owensboro | $2,500 | $1,300 |
| Richmond | $1,600 | $900 |
Discounts like Multi-Vehicle (25%) and Bundling (14%) can significantly reduce costs, making them valuable for SR-22 holders. Programs like SmartRide® and Accident-Free rewards also help lower premiums for safe drivers.
Kentucky Report Card: Car Insurance Discounts
| Discount Name | Grade | Savings | Participating Providers |
|---|---|---|---|
| Multi-Vehicle | A | 25% | Nationwide, Progressive, State Farm, Kentucky Farm Bureau, Auto-Owners, Geico |
| Good Student | A | 20% | Nationwide, State Farm, Auto-Owners, Geico |
| SmartRide® Program | A | 20% | Nationwide |
| Bundling | A | 14% | Nationwide, Progressive, State Farm, Kentucky Farm Bureau, Auto-Owners, Geico |
| Accident-Free | A | 10% | Nationwide, State Farm, Auto-Owners, Geico |
| Safe Driver | A | 10% | Nationwide, State Farm, Auto-Owners, Geico |
| Defensive Driving Course | B+ | 10% | Nationwide, State Farm, Auto-Owners, Geico |
| Distant Student | B+ | 10% | Nationwide, State Farm, Auto-Owners, Geico |
| Low Mileage | B+ | 10% | Nationwide, State Farm, Auto-Owners, Geico |
| Long-Term Customer | B | 12% | State Farm, Geico, Progressive, Allstate, Auto-Owners |
| Anti-Theft Device | B | 5% | Nationwide, State Farm, Auto-Owners, Geico |
| Automatic Payments | B | 5% | Nationwide, State Farm, Auto-Owners, Geico |
Kentucky has many drivers without insurance, and the claims are not large. This could affect the costs. It is wise to compare rates and look for discounts that suit those requiring an SR-22.
Kentucky Report Card: Auto Insurance Premiums
| Category | Grade | Explanation |
|---|---|---|
| Traffic Density | B | Moderate traffic levels |
| Vehicle Theft Rate | B | Below average theft rate |
| Average Claim Size | C | Moderate claim amounts |
| Weather-Related Risks | C | Occasional severe weather |
| Uninsured Drivers Rate | D | High uninsured rate |
By taking advantage of discounts and knowing the risks in their area, drivers in Kentucky can secure affordable SR-22 insurance without sacrificing coverage.
Read More: Uninsured Motorist Property Damage (UMPD) Coverage
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Cheapest SR-22 Insurance in Kentucky From the Best Insurers
Geico, State Farm, and Progressive offer Kentucky’s most affordable SR-22 insurance. They have competitive prices and helpful discounts. Geico is especially recognized for its low rates and easy-to-use online and mobile services.
If you’re wondering how to get SR-22 auto insurance from Geico, request a quote online or through an agent to see how their discounts and coverage options can help keep your premiums affordable.
State Farm offers significant discounts when you have multiple policies. Progressive is flexible with its pricing, thanks to its Snapshot Program and Name-Your-Price tool.
Explore your SR-22 auto insurance options by entering your ZIP code into our free comparison tool today.
Frequently Asked Questions
Does Kentucky require SR-22 insurance?
Yes, Kentucky may require SR-22 insurance if your driver’s license is suspended due to a serious violation, such as a DUI, reckless driving, or uninsured accidents. The SR-22 proves that you are financially responsible for any damages in the event of an accident.
What is the cheapest SR-22 insurance in Kentucky?
The cheapest SR-22 insurance in Kentucky is often found with providers like Geico, State Farm, and Progressive. Rates typically start around $29/month, but the exact price will depend on factors like your driving history and the type of coverage you need.
What are the limitations of Kentucky SR-22 insurance?
SR-22 auto insurance is not an actual type of insurance; it is just an endorsement of your current auto policy required after severe driving violations like DUIs or suspended licenses. It only covers the minimum liability limits required by your state.
What happens if you don’t have insurance in Kentucky?
Driving without insurance in Kentucky can lead to serious consequences, including fines, license suspension, and vehicle impoundment. If caught, you will likely be required to obtain SR-22 insurance to reinstate your license.
Can you self-insure in Kentucky?
Yes, you can self-insure in Kentucky, but only if you own a fleet of vehicles (usually 25 or more). Self-insuring means you assume responsibility for your risks and must prove you have sufficient financial resources to cover potential damages.
What’s the cheapest SR-22 insurance in Kentucky for 18-year-olds?
For 18-year-olds, SR-22 insurance can be expensive due to the higher risk associated with young drivers. However, Geico and State Farm often offer the most affordable rates. Enter your ZIP code for free local insurance quotes for 18-year-old drivers.
Who has the cheapest SR-22 insurance in Kentucky for seniors?
National General has the lowest SR-22 insurance rates for older and experienced drivers in Kentucky. Compare the best auto insurance for seniors in Kentucky to get more quotes.
How long does an SR-22 stay on your insurance in Kentucky?
In Kentucky, an SR-22 typically stays on your record for 3 years, but the duration can vary depending on the violation that led to the requirement. If you maintain continuous insurance coverage during this period, you should be able to get the SR-22 requirement removed after the term ends.
Do I need an SR-22 to reinstate my license in Kentucky?
Yes, if your license was suspended due to a serious violation like a DUI, you’ll likely need to file an SR-22 to reinstate your license in Kentucky. This proves to the state that you are financially responsible and meet the minimum insurance requirements.
How do I get my SR-22 in Kentucky?
To obtain an SR-22 in Kentucky, you must contact your auto insurance provider and request an SR-22 filing. The insurance company will then submit the SR-22 form directly to the Kentucky Transportation Cabinet. You’ll need to ensure you have the required coverage, and the SR-22 filing will be added to your policy.
How long do you need SR-22 after DUI in Kentucky?
How much is SR-22 insurance per month in California?
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