Find Cheaper Kentucky Car Insurance Rates for Drivers With a DUI
Enter your Kentucky Auto Insurance zip code below to view companies that have cheap auto insurance rates.
UPDATED: Mar 27, 2024
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Finding out which companies have the best auto insurance rates for drivers with a DUI will require a little more sweat than just comparing rates from one or two companies. Each auto insurer has a unique approach to set policy rates, so to begin we’ll rank the auto insurance companies with the overall best prices in Kentucky.
It’s a good idea to know that Kentucky auto insurance rates are calculated based on many things that may substantially change the cost of your policy. Simply turning a year older, moving to a different location, or having an at-fault accident can cause premium changes resulting in some rates now being cheaper than others.
Rank | Company | Cost Per Year |
---|---|---|
1 | Cincinnati Insurance | $1,126 |
2 | Kentucky Farm Bureau | $1,139 |
3 | USAA | $1,223 |
4 | Auto-Owners | $1,413 |
5 | Motorists Mutual | $1,601 |
6 | Grange Mutual | $1,625 |
7 | Travelers | $1,663 |
8 | State Farm | $1,867 |
9 | Westfield | $1,870 |
10 | Safe Auto | $1,972 |
11 | Nationwide | $2,024 |
12 | Progressive | $2,077 |
13 | Electric | $2,160 |
14 | State Auto | $2,188 |
15 | Encompass | $2,288 |
16 | GEICO | $2,365 |
17 | Safeco | $2,791 |
18 | MetLife | $3,146 |
19 | Shelter | $3,263 |
20 | Liberty Mutual | $3,598 |
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Cincinnati Insurance has some of the best car insurance rates in Kentucky at around $1,126 a year. Kentucky Farm Bureau, USAA, Auto-Owners, and Motorists Mutual also make the cut as some of the best Kentucky insurance companies.
As the example above demonstrates, if you currently buy coverage from Kentucky Farm Bureau and switched to Cincinnati Insurance, you may see an annual savings of upwards of $13. Policyholders with USAA might save as much as $97 a year, and Auto-Owners policyholders might reduce prices by as much as $287 a year.
Bear in mind that those rates are averages for all drivers and vehicles and are not factoring in a price increase for drivers with a DUI. So the company that fits your situation best may not even be in the chart above. That’s why you need to get auto insurance quotes using your own driver data and vehicle information.
Enter your zip code below to view companies that have cheap auto insurance rates.
One of the many factors that determine rate quotes is your zip code in Kentucky. Areas that are more densely populated or have higher claim rates like Louisville, Frankfort, and Saint Matthews are more likely to pay higher prices, whereas areas with lower crime rates and fewer weather claims get the luxury of paying less.
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The information below lists the priciest cities in Kentucky for drivers with a DUI in which to purchase auto insurance.
Rank | City | Average Per Year |
---|---|---|
1 | Louisville | $2,112 |
2 | Jeffersontown | $1,736 |
3 | Frankfort | $1,725 |
4 | Ashland | $1,656 |
5 | Saint Matthews | $1,643 |
6 | Madisonville | $1,616 |
7 | Elizabethtown | $1,595 |
8 | Radcliff | $1,590 |
9 | Paducah | $1,583 |
10 | Murray | $1,565 |
11 | Danville | $1,549 |
12 | Henderson | $1,541 |
13 | Richmond | $1,520 |
14 | Winchester | $1,517 |
15 | Georgetown | $1,506 |
16 | Covington | $1,487 |
17 | Hopkinsville | $1,478 |
18 | Bowling Green | $1,461 |
19 | Nicholasville | $1,459 |
20 | Lexington | $1,454 |
21 | Florence | $1,441 |
22 | Independence | $1,436 |
23 | Erlanger | $1,420 |
24 | Fort Thomas | $1,397 |
25 | Owensboro | $1,376 |
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Rate information is estimated as specific Kentucky zip code can lower or raise rates significantly.
The vehicle requiring insurance is probably the largest consideration when consumers are trying to find cheap auto insurance for drivers with a DUI in Kentucky. Vehicles with more horsepower, poor safety features, or a high likelihood of having liability claims will cost substantially more to insure than more economical and safe models.
The information below estimates car insurance premiums for a number of the cheapest automobiles to insure.
Vehicle | Estimated Cost for Full Coverage |
---|---|
Honda Accord LX-P 4-Dr Sedan | $956 |
Honda CR-V EX 4WD | $977 |
Ford Escape XLS 2WD | $1,014 |
Dodge Grand Caravan SE | $1,071 |
Hyundai Tucson GLS 4WD | $1,079 |
Kia Forte LX 4-Dr Sedan | $1,071 |
Toyota Prius | $1,127 |
Chevrolet Traverse LTZ 2WD | $1,133 |
Subaru Forester X Premium AWP AWD | $1,127 |
Chevrolet Impala LT | $1,133 |
GMC Sierra SLE Crew Cab 2WD | $1,139 |
Ford Explorer XLT 2WD | $1,135 |
Toyota Highlander 2WD | $1,143 |
Ford F-150 FX2 Super Cab 2WD | $1,155 |
Toyota Corolla S | $1,196 |
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Premium data assumes married male driver age 30, two speeding tickets, no at-fault accidents, $1,000 deductibles, and Kentucky minimum liability limits. Discounts applied include homeowner, multi-vehicle, multi-policy, and claim-free. Estimates do not factor in specific location which can modify premiums considerably.
Looking at the data, we can expect cars like the Honda Accord, Honda CR-V, and Ford Escape are most likely going to be some of the cheaper vehicles to insure after getting a DUI. Prices will trend higher because there is more risk for drivers with a DUI, but generally speaking those specific models will tend to have the lowest insurance prices that you are likely to find.
Picking the top insurance company is difficult considering how many choices there are in Kentucky. The ranking data below could help you pick which insurers you want to consider shopping prices with. The ratings below include companies that write coverage in many states, so companies that have a smaller presence are not taken into consideration for the list.
Top 10 Major Auto Insurance Companies in Kentucky Ranked by Claims Service
- Travelers
- Allstate
- Nationwide
- State Farm
- Liberty Mutual
- GEICO
- American Family
- Esurance
- AAA Insurance
- The Hartford
Top 10 Major Auto Insurance Companies in Kentucky Ranked by A.M. Best Rating
- Travelers – A++
- GEICO – A++
- State Farm – A++
- USAA – A++
- Nationwide – A+
- Allstate – A+
- The Hartford – A+
- Progressive – A+
- Erie Insurance – A+
- Esurance – A+
How to get discounts on Kentucky auto insurance rates
Insurance providers that sell cheap auto insurance for drivers with a DUI in Kentucky may also give you price discounts that can lower rates by 25% or more if you are eligible for them. The best auto insurance companies and some of the premium reductions they offer include:
- State Farm offers premium reductions for multiple policy, defensive driving training, accident-free, multiple autos, Drive Safe & Save, and safe vehicle.
- Liberty Mutual may have discounts that include new graduate, exclusive group savings, multi-car, multi-policy, preferred payment discount, hybrid vehicle, and newly married.
- American Family policyholders can earn discounts including bundled insurance, accident-free, mySafetyValet, Steer into Savings, and good driver.
- Progressive offers discounts for continuous coverage, multi-policy, online signing, good student, online quote discount, and homeowner.
- Farmers Insurance may offer discounts for multi-car, business and professional, electronic funds transfer, alternative fuel, homeowner, and teen driver.
- Auto-Owners Insurance has savings for anti-lock brakes, mature driver, teen driver, multiple vehicles, and safe vehicle.
- SAFECO discounts include anti-theft, safe driver, bundle discounts, multi-car, and homeowner.
The illustration below shows the comparison of auto insurance rates with and without some available policy discounts. The costs are based on a female driver, two speeding tickets and no accidents, Kentucky state minimum liability limits, full coverage, and $500 deductibles.
The first bar for each age group shows the average annual price with no discounts. The second shows the rates with paid-in-full, vehicle safety, multiple policy, anti-theft, marriage, and continuous coverage discounts applied. When these discounts are applied, the amount saved on auto insurance for drivers with a DUI is 28% or $596.
Progressive, Geico, Allstate, or State Farm: Who is cheapest?
When it comes to car insurance after getting a DUI, the four most popular companies are Progressive, Geico, Allstate, and State Farm. The table below points out price and claims rank as well as some different options that are available.
Progressive | Geico | Allstate | State Farm | |
---|---|---|---|---|
Customer Satisfaction | 3rd | 1st | 2nd | 4th |
Discounts Offered | 4th | 2nd | 1st | 3rd |
Price Ranking | 3rd | 1st | 4th | 2nd |
Claims Service | 4th | 3rd | 1st | 2nd |
Mechanical breakdown insurance | Yes | Yes | No | No |
Rate for vehicle usage | Yes | No | Yes | Yes |
Accident forgiveness | Yes | Yes | Yes | No |
Emergency roadside service | Yes | Yes | Yes | Yes |
Rideshare coverage | Yes | Yes | Yes | Yes |
New car replacement | No | No | Yes | No |
Available in Kentucky | Yes | Yes | Yes | Yes |
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Frequently Asked Questions
Why do drivers with a DUI typically face higher car insurance rates in Georgia?
Drivers with a DUI typically face higher car insurance rates in Georgia because a DUI conviction is considered a major traffic violation. Insurance companies view DUIs as indicative of high-risk behavior and an increased likelihood of filing claims. Consequently, premiums are higher to compensate for the increased risk.
Are there any discounts or programs available to help drivers with a DUI save on car insurance in Georgia?
While discounts for drivers with a DUI may be limited, some insurance companies in Georgia offer programs to help them save on car insurance. These programs may include completing a defensive driving course or installing an ignition interlock device in their vehicle. It’s best to check with various insurers to explore any available options.
How can I find cheaper car insurance rates in Georgia with a DUI on my record?
To find cheaper car insurance rates in Georgia with a DUI on your record, consider the following steps:
- Shop around and compare quotes: Obtain quotes from multiple insurance companies to find the most affordable option for your situation.
- Look for specialized insurers: Some insurance companies specialize in providing coverage to drivers with a DUI. These insurers may offer more competitive rates.
- Improve your driving record: Focus on maintaining a clean driving record going forward. Over time, as the DUI conviction becomes older, insurance rates may gradually decrease.
- Complete a defensive driving course: Some insurers offer discounts for completing a defensive driving course. Check with your insurance provider to see if this option is available.
- Consider installing an ignition interlock device: Installing an ignition interlock device in your vehicle may show your commitment to safe driving and could lead to potential discounts from certain insurance companies.
Is it possible to get car insurance with a DUI on my record in Georgia?
Yes, it is possible to get car insurance with a DUI on your record in Georgia. However, obtaining coverage may be more challenging and expensive compared to drivers without a DUI. Some insurance companies may be more willing to provide coverage than others, so it’s important to explore different options and compare quotes.
How long does a DUI affect car insurance rates in Georgia?
The duration of how long a DUI affects car insurance rates in Georgia varies. Generally, a DUI conviction remains on your driving record for several years. During this time, insurance companies may consider you a high-risk driver and charge higher premiums. However, as time passes without any new DUI incidents, your insurance rates may gradually decrease.
Are there any steps I can take to improve my driving record and potentially lower my insurance rates in the future after a DUI?
Yes, there are steps you can take to improve your driving record and potentially lower your insurance rates in the future after a DUI:
- Obey traffic laws and practice safe driving habits consistently.
- Maintain continuous coverage without any lapses.
- Consider completing a defensive driving course or attending an alcohol education program to demonstrate your commitment to safe driving.
- Avoid any additional traffic violations or DUI offenses, as they can further impact your insurance rates.
Can working with an insurance agent help me find cheaper car insurance rates with a DUI in Georgia?
Yes, working with an experienced insurance agent can be beneficial when searching for cheaper car insurance rates with a DUI in Georgia. Agents have knowledge of the insurance market and can help you navigate options, find specialized insurers, and potentially negotiate better rates based on your specific circumstances.
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