Cheapest SR-22 Insurance in Kentucky for 2024 (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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Kristen Gryglik
Licensed Insurance Agent
Kristen is a licensed insurance agent working in the greater Boston area. She has over 20 years of experience counseling individuals and businesses on which insurance policies best fit their needs and budgets. She knows everyone has their own unique needs and circumstances, and she is passionate about counseling others on which policy is right for them. Licensed in Massachusetts, New Hampshire,...
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UPDATED: Nov 16, 2024
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Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Nov 16, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
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19,116 reviewsCompany Facts
Min. Coverage for SR-22 in Kentucky
A.M. Best Rating
Complaint Level
Pros & Cons
19,116 reviews
17,759 reviewsCompany Facts
Min. Coverage for SR-22 in Kentucky
A.M. Best Rating
Complaint Level
Pros & Cons
17,759 reviews
13,128 reviewsCompany Facts
Min. Coverage for SR-22 in Kentucky
A.M. Best Rating
Complaint Level
Pros & Cons
13,128 reviewsFor the cheapest SR-22 insurance, look no further than Geico, State Farm, and Progressive, starting at just $29/month.
Why is it so hard to find cheap auto insurance? Finding affordable SR-22 insurance in Kentucky can be challenging due to high-risk factors like poor driving history and 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 above.
- 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
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#1 – Geico: Top Overall Pick
Pros
- Digital Convenience Leader: Advanced online tools simplify SR-22 filing in Kentucky with instant updates and digital ID cards via the mobile app.
- Military Savings: Kentucky military members can snag some sweet SR-22 discounts. Compare Geico vs. USAA insurance to learn more.
- Multi-Vehicle Value: Kentucky drivers can save up to 25% when insuring multiple vehicles under an SR-22 policy.
Cons
- Limited Local Presence: Kentucky residents requiring in-person SR-22 assistance may face challenges with Geico’s primarily digital-focused service model.
- Strict Eligibility Requirements: High-risk Kentucky drivers with multiple violations may face additional scrutiny despite the advertised $29 monthly rate.
#2 – State Farm: Cheapest Bundling Discounts
Pros
- Comprehensive Bundle Options: Kentucky SR-22 filers can combine auto, home, and life insurance for premium discounts, reducing the $36 monthly rate significantly.
- Drive Safe & Save Integration: SR-22 policyholders in Kentucky can earn up to 30% off through telematics monitoring of safe driving habits.
- Flexible Payment Structure: Kentucky drivers with SR-22 requirements can choose from multiple payment plans while maintaining the competitive $36 monthly rate.
Cons
- Higher Full Coverage Costs: Kentucky SR-22 drivers seeking full coverage face steeper rates at $98 monthly compared to minimum coverage. (Read More: Kentucky Minimum Auto Insurance Requirements)
- Limited Online Filing: State Farm SR-22 filing process in Kentucky often requires agent intervention, potentially slowing down the certification process.
#3 – Progressive: Cheapest Continuous Coverage
Pros
- Continuous Coverage Benefits: Kentucky drivers maintaining consistent SR-22 coverage can earn increasing discounts, reducing rates below the initial $41 monthly premium.
- Snapshot Program Integration: Kentucky SR-22 drivers can earn personalized rates through usage-based monitoring, potentially reducing the $41 monthly premium.
- Flexible Coverage Tiers: Offers customizable SR-22 insurance plans in Kentucky, starting at $41 monthly, with options to scale coverage as needed.
Cons
- Price Jump for Full Coverage: Significant increase to $111 monthly for Kentucky SR-22 drivers requiring full coverage. Compare more rates in our Progressive SR-22 insurance review.
- Documentation Requirements: Its extensive verification process for Kentucky SR-22 filings may delay initial policy activation.
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#4 – SafeAuto: Cheapest for New Customers
Pros
- New Customer Incentives: First-time Kentucky SR-22 filers receive special rates, potentially lowering the $42 monthly base rate.
- Accessible Payment Options: Safe Auto has multiple plans that include low down payments on the $42 premium.
- Paperless Discount Integration: Digital documentation enrollment can save Safe Auto SR-22 auto insurance policyholders additional money.
Cons
- Limited Coverage Options: Fewer options for customizing full coverage.
- Restricted Discount Combinations: Some SR-22 discounts cannot be combined, limiting potential savings.
#5 – The General: Cheapest for High-Risk Drivers
Pros
- High-Risk Acceptance: The General specializes in Kentucky SR-22 coverage for drivers with multiple violations, maintaining reasonable $45 monthly rates.
- Prior Coverage Recognition: It honors previous insurance history for Kentucky SR-22 clients, potentially reducing the standard $45 monthly premium.
- Flexible Violation History: The General has more lenient underwriting for Kentucky SR-22 drivers with complex driving records compared to standard insurers.
Cons
- Higher Base Rates: Our The General auto insurance review lists a $45 starting monthly premium for Kentucky SR-22, higher than some competitors.
- Limited Online Services: Kentucky SR-22 policy management tools are less sophisticated compared to larger insurance providers.
#6 – Bristol West: Cheapest Customizable Coverage
Pros
- Adaptable Policy Options: Bristol West has customizable SR-22 coverage beyond the $47 minimum.
- Prior Insurance Benefits: Our Bristol West auto insurance review highlights discounts for Kentucky SR-22 drivers with prior coverage.
- Coverage Enhancement: Drivers can choose from flexible add-ons for SR-22 policies above state minimums.
Cons
- Premium Cost: The Bristol West $47 monthly SR-22 rate is higher than some competitors and will go up if you pick add-ons or additional benefits.
- Geographic Limitations: Bristol West has limited SR-22 filing service centers in some Kentucky areas.
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#7 – Acceptance: Best Payment Plans
Pros
- Payment Plan Variety: Acceptance offers multiple payment schedules for Kentucky SR-22 insurance, making the $48 monthly premium more manageable.
- Easy Transfer: Our Acceptance auto insurance review notes a smooth transfer process for SR-22 drivers switching insurers.
- Lower Down Payments: Acceptance has lower initial payments for SR-22 coverage than competitors, still at $48 monthly.
Cons
- Coverage Limitations: Acceptance SR-22 insurance doesn’t offer many coverage options beyond Kentucky’s minimum requirements.
- Digital Platform Restrictions: Online SR-22 management with Acceptance is less robust than major competitors.
#8 – Dairyland: Cheapest Non-Standard Insurance
Pros
- Specialized SR-22 Focus: Dairyland is experienced in Kentucky SR-22 filings for high-risk drivers at a $50 rate.
- Transfer Discount Program: Our Dairyland auto insurance review mentions savings for SR-22 drivers switching insurers, potentially lowering the premium.
- Homeowner Integration: Dairyland offers additional auto insurance discounts for Kentucky SR-22 drivers who own homes.
Cons
- Higher Monthly Rates: The base rate of $50 monthly for Kentucky SR-22 insurance is higher than several mainstream competitors.
- High Number of Complaints: Dairyland SR-22 insurance has twice the number of customer complaints of other companies its size.
#9 – National General: Cheapest for Experienced Drivers
Pros
- Safe Driver Recognition: National General rewards Kentucky SR-22 drivers with clean, recent records, offering reductions from the $55 monthly base rate.
- Affinity Group Benefits: National General SR-22 insurance rates for Kentucky members of partner organizations below the standard $55 premium.
- Claims-Free Advantages: The car insurance discount structure for Kentucky SR-22 rewards drivers who maintain claim-free records, as noted in the National General auto insurance review.
Cons
- Price Point Challenge: It has a higher initial cost at $55 monthly for Kentucky SR-22 coverage compared to market leaders.
- Restrictive Payment Terms: It has less flexible payment arrangements for Kentucky SR-22 insurance compared to payment-focused carriers.
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#10 – Liberty Mutual: Best Streamlined SR-22 Filings
Pros
- Streamlined Filing Process: Liberty Mutual has the most efficient SR-22 documentation handling in Kentucky despite the higher $61 monthly premium.
- Safety Feature Recognition: Kentucky SR-22 drivers with enhanced vehicle safety features can receive special discounts that reduce the standard base rate of $61/month.
- Claims Management System: Superior claims processing and dedicated support for Kentucky SR-22 policyholders. (Read More: Liberty Mutual Auto Insurance Review).
Cons
- Premium Cost Factor: It has the highest base rate at $61 monthly for Kentucky SR-22 insurance among compared providers.
- Poor Customer Satisfaction: Liberty Mutual is among the bottom five providers for customer service and satisfaction among Kentucky SR-22 insurance companies.
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 insurance with an SR-22 can be a challenge, 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 of the top insurance providers offer various discounts that can help reduce your 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.
Maximize savings with available discounts to lower your SR-22 premiums.Scott W. Johnson LICENSED INSURANCE AGENT
By comparing the available savings from different providers, you can find the best deal to fit your budget. Be sure to ask about all applicable discounts when shopping for SR-22 insurance, and drive safely.
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Cheapest SR-22 Auto Insurance From Leading Kentucky Insurers
Geico, State Farm, and Progressive are the best options for the cheapest SR-22 insurance in Kentucky, providing competitive prices and useful discounts. Geico is known for its low rates and convenient online and mobile tools.
If you’re wondering how to get SR-22 auto insurance from Geico, simply request a quote online or through an agent to see how their discounts and coverage options can help keep your premiums affordable.
State Farm is great for 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 below today.
Frequently Asked Questions
Does Kentucky require SR-22 insurance?
Yes, Kentucky may require SR-22 insurance if you’ve had your driver’s license suspended due to a serious violation like 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 can often be 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, just an endorsement on your current auto policy that’s required after serious 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 driving without insurance, 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 own 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 below to get 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?
In Kentucky, an SR-22 is typically required for 3 years after a DUI conviction. During this time, you must maintain continuous coverage and meet the state’s minimum liability requirements. If there are gaps in your insurance, the SR-22 requirement may be extended, so look for cheap auto insurance after a DUI.
How much is SR-22 insurance per month in California?
California SR-22 auto insurance can cost anywhere from $50 to $200 per month, depending on your driving record and the insurer.
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Kristen Gryglik
Licensed Insurance Agent
Kristen is a licensed insurance agent working in the greater Boston area. She has over 20 years of experience counseling individuals and businesses on which insurance policies best fit their needs and budgets. She knows everyone has their own unique needs and circumstances, and she is passionate about counseling others on which policy is right for them. Licensed in Massachusetts, New Hampshire,...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.