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How Much are Auto Insurance Quotes for Drivers with a DUI in Kentucky?

Enter your Kentucky zip code below to view companies that have cheap auto insurance rates.

Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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UPDATED: Nov 12, 2019

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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.

Enter your zip code below to view companies that have cheap auto insurance rates.

What’s the cheapest car insurance in Kentucky?
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.

The information below lists the priciest cities in Kentucky for drivers with a DUI in which to purchase auto insurance.

How much does car insurance cost in Kentucky?
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.

Cheapest Auto Insurance Rates for Drivers with a DUI in Kentucky
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

  1. Travelers
  2. Allstate
  3. Nationwide
  4. State Farm
  5. Liberty Mutual
  6. GEICO
  7. American Family
  8. Esurance
  9. AAA Insurance
  10. The Hartford

Top 10 Major Auto Insurance Companies in Kentucky Ranked by A.M. Best Rating

  1. Travelers – A++
  2. GEICO – A++
  3. State Farm – A++
  4. USAA – A++
  5. Nationwide – A+
  6. Allstate – A+
  7. The Hartford – A+
  8. Progressive – A+
  9. Erie Insurance – A+
  10. Esurance – A+

How to get discounts on Kentucky auto insurance rates

Discounts on auto insurance for drivers with a DUIInsurance 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.

Car Insurance Company Comparison
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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