Driving without the minimum required insurance in Kentucky (25/50/25) will result in fines, increased rates, and the possibility of jail time, depending on the number of offenses.
First-time offenders can expect fines up to $1000 on top of a one-year driver’s license and registration suspension, a $40 reinstatement fee, and up to 90 days in jail, depending on the situation. Second and subsequent offenders will see stiffer fines (up to $2500), up to 180 days in jail, and a two-year registration suspension for every offense after the second.
Unlike most states, an SR-22 filing is unnecessary to reinstate your driver’s license. Instead, allow your license suspension period to pass and present an insurance policy with a minimum 6-month validity to the court to get your license back. Just expect to retake driving tests if your license has been suspended for a year or more.
Even a single lapsed day of coverage could force insurance companies to report it to the state.