Get SR22 in Kentucky

What Is an SR-22 — and Why a Local Independent Insurance Agent Is Your Best Option

SR-22 Insurance in Louisville KY | Local Independent Agent

If you’ve recently been told you need an SR-22, you might feel confused or overwhelmed. Don’t worry — it’s not as complicated as it sounds, and help is closer than you think.

At Dick Watts Insurance, we’ve helped hundreds of drivers in Louisville and surrounding areas get back on the road legally after cancellations, DUIs, or license suspensions. Here’s what you need to know.

What Is an SR-22?

An SR-22 is not a type of insurance. It’s a form filed with your state by your insurance company to prove that you carry the minimum required liability coverage.

You may need an SR-22 if you’ve had:

A DUI or DWI
Multiple traffic violations
An accident without insurance
A lapse in coverage or policy cancellation
A license suspension or revocation

The SR-22 tells the state that you have active insurance — and if your policy cancels, the state will be notified.

Why Work With a Local Independent Insurance Agent?

When you’re dealing with an SR-22, you don’t need more red tape or confusing online forms. You need a local agent who knows your state’s requirements, understands your situation, and can help quickly.

Personalized Guidance

You’ll talk to a real person — not a call center. We explain what the SR-22 means, how long you’ll need it, and what coverage options make sense for your budget.

Multiple Companies, One Local Contact

Because we’re independent, we work with many insurance carriers that specialize in high-risk or non-standard auto insurance. That means we shop around for your best rate — even if you’ve had tickets, accidents, or a DUI.

Fast, Same-Day Filing

We can often file your SR-22 electronically with the state the same day, helping you get back on the road faster.

Local Accountability

Need to make a payment, change vehicles, or prove coverage? You can call, text, or stop by our office right here in Louisville, KY — no long hold times or offshore support.

How to Get an SR-22 in Kentucky (and Nearby States)

Contact a local independent agent (like us)
We’ll find a policy that meets your state’s SR-22 requirement
We file the SR-22 electronically
You pay your premium and receive proof of insurance
Your license can then be reinstated once all state requirements are met

It’s that simple.

Ready to Get Your SR-22 Filed?

Whether you’ve been cancelled for non-payment, had a DUI, or just need to get legal again — we can help today. We’re local, fast, and here to make the process easy.

Call Mike Watts at 502-245-3625
www.dickwattsinsurance.com
Louisville, KY — Serving KY, IN, TN, and OH

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