Does Kentucky require an SR-22?

Checked against official Kentucky sources · Last reviewed October 6, 2026

Kentucky's official reinstatement steps don't include an SR-22. After a DUI, the Kentucky Transportation Cabinet (KYTC) lists serving your suspension, finishing an alcohol or substance abuse program, the optional ignition interlock program, and paying a $40 fee. If you choose the interlock program, you show your own proof of insurance card.

Kentucky checks insurance in a different way. Insurers report every active personal auto policy to KYTC each month. [1][2][3]

Uses SR-22?
Not confirmed
Base reinstatement fee
$40 [1]
Minimum liability coverage
25/50/25 [2]

Does Kentucky require an SR-22?

We haven't confirmed this from an official Kentucky source yet. Check with Kentucky Transportation Cabinet (KYTC), Division of Driver Licensing, which handles suspensions and reinstatements.

What does reinstatement cost?

$40 reinstatement/re-licensing fee, which may be required any time your driving privilege is suspended (online payments add a small processing fee). Paying it doesn't restore your license until all suspension requirements are met. [1]

What coverage do you need?

$25,000 bodily injury per person, $50,000 bodily injury per accident, $25,000 property damage per accident, or a $60,000 single limit. Policies must also provide basic reparations benefits, except for motorcycles. [2]

Who handles it

Kentucky Transportation Cabinet (KYTC), Division of Driver Licensing, which handles suspensions and reinstatements [1]

Common questions

How long is my license suspended after a DUI?

For offenses within 10 years, KYTC lists 6 months for a first offense, 18 months for a second, 36 months for a third, and 60 months for a fourth. Using an ignition interlock shortens these to 4, 12, 18, and 30 months. A first offense requires a 90-day alcohol or substance abuse program, and a second through fourth offense requires a one-year program. [3]

Do I need insurance to get an ignition interlock license?

Yes. Kentucky law requires proof of motor vehicle insurance when you apply for an ignition interlock license, and you must keep insurance for as long as you hold it. The state's interlock rules say you present the proof yourself when you apply, and KYTC asks for a proof of insurance card. Out-of-state drivers must provide proof of insurance from their own state. [3][4][5][6]

How much does it cost to get my license back?

KYTC lists a $40 reinstatement fee that may be required any time your driving privilege is suspended. You can pay online through myDrive (a small processing fee applies), at a Driver Licensing Regional Office, by mail, or by phone at 502-564-1257. Paying the fee doesn't restore your license until you meet every other requirement, and if you were suspended more than a year you must also pass vision and written tests. [1]

What happens if I'm caught driving without insurance?

The vehicle owner and the driver each face a fine of $500 to $1,000, up to 90 days in jail, or both. The owner's registration is revoked, with a $40 fee to reinstate it. For a second or later offense within 5 years, your driver's license is revoked, and you face up to 180 days in jail, a fine of $1,000 to $2,500, or both. [2][7]

Can a court reduce the penalty for driving without insurance?

Yes, if you show proof of insurance. For a second or later offense, you must also show a receipt for a paid 6-month policy. After 6 months the court has you come back to prove you renewed. If you don't appear, your license is suspended, and cancelling the policy before the 6 months are up is a misdemeanor. [7]

Is there any case where Kentucky asks for proof of future insurance?

Yes, one narrow case. If you don't pay a court judgment from a crash, KYTC suspends your license and registration until the judgment is paid, put on hold by a court, or discharged. If a court lets you pay it in installments, you can keep or get back your license only by giving proof that you can pay for future crashes and staying current on payments. The law doesn't say what form that proof takes or how long you must keep it, so ask KYTC. [8][9][10][11]

Sources

  1. Kentucky Transportation Cabinet (drive.ky.gov) - License Reinstatement (official agency page, accessed Oct 6, 2026)
  2. Kentucky Transportation Cabinet (drive.ky.gov) - Mandatory Insurance (official agency page, accessed Oct 6, 2026)
  3. Kentucky Transportation Cabinet (drive.ky.gov) - DUI Penalties and Programs (official agency page, accessed Oct 6, 2026)
  4. KRS 189A.340 - Ignition interlock licenses; provider fees (statute, accessed Oct 6, 2026)
  5. KRS 189A.350 - Administrative regulations promulgated by Transportation Cabinet for ignition interlock (statute, accessed Oct 6, 2026)
  6. 601 KAR 2:233 - Kentucky Ignition Interlock Program; participants and device providers (regulation, accessed Oct 6, 2026)
  7. KRS 304.99-060 - Penalties for violation of Subtitle 39 (effective June 27, 2019) (statute, accessed Oct 6, 2026)
  8. KRS 187.410 - Suspension for nonpayment of judgment (statute, accessed Oct 5, 2026)
  9. KRS 187.420 - Duration of suspension (statute, accessed Oct 5, 2026)
  10. KRS 187.440 - Installment payment of judgment; default (effective January 1, 1947) (statute, accessed Oct 6, 2026)
  11. KRS 187.290 - Definitions for chapter (effective June 29, 2017) (statute, accessed Oct 6, 2026)

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