Auto Insurance
BestAuto InsuranceAfter a DUI2022Getting Car Insurance After a DUI in Kentucky: Everything You Need to Know
Driving under the influence (DUI) convictions in Kentucky may result in your car insurance company refusing to cover you. Alternately, they may charge you a higher premium than non-DUI drivers. In Kentucky, non-DUI drivers pay an average annual cost of $1,337 for full coverage, while DUI drivers pay around $2,448.
Advertising & Editorial DisclosureLast Updated: 9/28/2022
In order to help Kentucky drivers save money on their auto insurance policies, MoneyGeek analyzed the best and cheapest insurance providers in the state. MoneyGeek data shows that State Farm offers the best and most affordable full and minimum coverage car insurance in Kentucky.
BestAuto InsuranceAfter a DUI2022Best Companies for DUI Insurance in 2022
Best full coverage after a DUI - State Farm
Cheapest minimum coverage after a DUI - State Farm
Best full coverage after a DUI - State Farm
Best minimum coverage after a DUI - State Farm
The average cost of car insurance in Kentucky rises by 83.14% after a DUI, with full coverage rising from $1,337 to $2,448 and minimum coverage rising from $794 to $1,546.
That said, not all auto insurance providers cover DUI drivers. Despite the fact that car insurance is required in Kentucky, car insurance companies are not legally required to cover you. Keep in mind that if your auto insurance company chooses to cover you, your premiums will increase because you are viewed as a high-risk driver.
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Cheapest Car Insurance Companies in Kentucky After a DUI
The most affordable auto insurance company after a DUI varies by state. MoneyGeek found Progressive and State Farm to be the most affordable auto insurance providers for DUI offenders nationally. Meanwhile, in Kentucky, State Farm and Allstate are the cheapest car insurance carriers for DUI drivers.
Cheapest Companies for Full Coverage in Kentucky After a DUI
When it comes to full-coverage insurance for DUI-convicted drivers in Kentucky, MoneyGeek found the following companies to be the most affordable, on average:
- State Farm: $939 per year
- Allstate: $1,620 per year
USAA ranked second, at roughly $1,256 per year. However, USAA is exclusive to military personnel and their families.
Cheapest Car Insurance for Full Coverage After a DUI
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- RankCompanyAnnual Premium
- 1State Farm$939
- 2USAA$1,256
- 3Allstate$1,620
- 4Progressive$1,839
- 5Kentucky Farm Bureau$2,228
Cheapest Companies for Minimum Coverage in Kentucky After a DUI
MoneyGeek’s data shows that, on average, the following insurance companies provide the most affordable minimum coverage rates for DUI-convicted drivers in Kentucky:
- State Farm: $470 per year
- Allstate: $907 per year
Although USAA came in second at around $586 annually, we left it off our list due to its limited availability.
Cheapest Car Insurance for Minimum Coverage After a DUI
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- CompanyMinimum Annual Premium
- $470
- $586
- $907
- $1,035
- Kentucky Farm Bureau$1,178
MONEYGEEK EXPERT TIP
Minimum coverage is the most basic and least expensive coverage available. Kentucky requires drivers to carry the state minimum insurance coverage. However, it’s ideal for you to determine how much auto insurance coverage you need. Getting the exact coverage you need helps protect you financially when you file claims, even if it costs more upfront.
Top Car Insurance Companies in Kentucky After a DUI
MoneyGeek evaluated Kentucky auto insurance providers based on various factors, such as affordability, customer satisfaction, financial stability and more, to help you determine the best car insurance companies for DUI offenders. MoneyGeek found State Farm to be the best car insurer for DUI-convicted drivers for both full and minimum coverage.
Best Companies for Full Coverage in Kentucky After a DUI
Based on MoneyGeek's rating methodology, the top two best companies for DUI-convicted drivers are State Farm and GEICO.
1
State FarmBest full coverage after a DUI
Score:4.5
The average motorist in Kentucky pays $872 per year for full coverage insurance with State Farm. In comparison, the average rate for DUI offenders rises to $939, which is a 7.66% increase.
More About State Farm
State Farm is a top-rated auto insurance company that operates in every state. State Farm has an outstanding track record when it comes to managing customer complaints, financial stability and discounts. However, State Farm does not provide unique coverages such as OEM.
2
GEICO
Score:4
Drivers with a DUI in Kentucky pay $2,261 per year for insurance. This is 158.71% more than drivers with a clean record pay, which is $874.
More About GEICO
GEICO provides multiple discount options, many of which are unique. However, it does not offer better car replacement coverage. It also ranks well in terms of customer satisfaction.
Best Companies for Minimum Coverage in Kentucky After a DUI
State Farm and GEICO are the top two companies in Kentucky offering minimum coverage for DUI drivers. Although minimum coverage is the cheapest coverage, you potentially pay more out of pocket if you submit a claim.
1
State FarmBest minimum coverage after a DUI
Score:4
State Farm's minimum coverage insurance for DUI convictions in Kentucky is around $470 per year. The same coverage without a DUI is roughly $428. This is a 7.66% increase.
More About State Farm
State Farm provides inexpensive car insurance to high-risk drivers while simultaneously ranking high in customer satisfaction. This indicates that State Farm balances affordability with quality service. On the other hand, State Farm does not offer accident forgiveness, new vehicle replacement, gap insurance, deductible modification or better car replacement coverage.
2
GEICO
Score:4
For state minimum coverage in Kentucky, the average driver pays around $493 yearly with GEICO. However, drivers with a DUI pay up to 158.71% more, which comes out to around $1,315 annually.
More About GEICO
GEICO offers excellent customer service to policyholders. The provider has excellent discounts and online tools to enhance the customer experience. It also has excellent financial stability.
How Much Does Car Insurance Cost in Kentucky After a DUI?
In Kentucky, the average cost of car insurance for DUI offenders is $2,448, which is an 83.14% increase when compared to non-DUI drivers. Some car insurance companies may refuse to cover DUI-convicted drivers. Those that do charge a higher premium because they consider DUI drivers to be high-risk drivers who are more likely to file a claim.
How long does a DUI affect the cost of your car insurance?
Average Cost
Full Coverage
$1,337
Average Cost with DUI
Full Coverage
$2,448Full coverage policy premiums after a DUI cost::$1,111 more
This is 83% more expensive.
Those convicted of driving under the influence in Kentucky are deemed high-risk by car insurance companies. This leads to high premiums for insurance. You can get personalized insurance quotes from the MoneyGeek calculator to get an idea of how much your auto insurance could cost if you get a DUI conviction.
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MONEYGEEK EXPERT TIP
Insurance premiums are not the only expense you can incur as a result of your DUI conviction. Here are some of the additional financial implications of being a DUI offender:
- Fines, court and attorneys fees: DUI offenders are required to pay a variety of fees, including bail, legal fees, court charges and fines, among other charges.
- Towing/impound fee: If you are charged for DUI, you must pay for towing as well as a DUI impound charge. The cost of towing and impounding your vehicle varies based on where you live.
- Drug education and treatment: If you are a first-time DUI offender, you might be required to go through drug education and treatment.
- **DMV reinstatement fee: **To regain their driving privileges, DUI drivers must undergo DMV reinstatement processes and pay a fee.
Getting Car Insurance in Kentucky After a DUI
Getting auto insurance after a DUI can be challenging. Since many car insurers are for-profit businesses, they can legally refuse to provide coverage to drivers they feel are too risky to insure. The duration of a state's look-back period may increase how hard it is to get coverage. A DUI offense in Kentucky is recorded on a driver's record for ten years.
After a DUI, you will likely face higher insurance premiums. MoneyGeek recommends that you research providers that offer insurance for high-risk drivers. It is best to compare quotes from many carriers to choose the best and most affordable carrier for you.
MONEYGEEK EXPERT TIP
Aside from being a driver with a DUI, insurance companies may classify you as a high-risk driver based on a variety of factors such as your age, creditworthiness, insurance history and other factors. MoneyGeek discovered the best auto insurance companies for high-risk drivers to help you choose the best provider for you.
Kentucky DUI Laws
Getting a DUI has substantial consequences, regardless of where you live. DUI offenders in Kentucky will face fines, jail time, community service, court expenses and probation and evaluation fees, among other things.
Driving with a BAC at or above 0.08% is considered a DUI
Driving or being in physical control of a car with a blood alcohol content (BAC) of .08% or higher is illegal in Kentucky, as is driving or being in physical control of a commercial vehicle with a BAC of .04%. Even if you are under this limit and can't drive properly, you might still be fined.
Driving with a BAC of .15 will result in increased penalties
If a person has been convicted of a drunk-driving conviction, they face increased mandatory detention if they drive with a BAC of 0.15 or above.
30-120 days administrative license suspension on first offense
First-time DUI offenders in Kentucky will face a 30-120-day administrative license suspension. This implies that the driver's license will be suspended immediately and the term of the suspension will be determined by the severity of the driver's infraction.
Ignition interlocks
In Kentucky, ignition interlock devices are required for all DUI convictions. Drivers must install interlock devices that deactivate their car's engine if alcohol is detected in their breath.
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Frequently Asked Questions
The ideal DUI car insurance company for you will depend on your DUI insurance requirements. MoneyGeek provides answers to the most commonly asked questions to guide you in selecting the right carrier for you.
Methodology
To determine the top companies for individuals with DUIs in Kentucky, MoneyGeek analyzed each company’s financial stability, customer satisfaction, claims and affordability based on data obtained from state insurance departments and Quadrant Information Services. The rates above are based on a 40-year-old male with and without a DUI driving a 2010 Toyota Camry LE with 12K annual mileage.
sources
- Driving Laws. "Kentucky DUI." Accessed April 29, 2022.
- GHSA. "GHSA State Laws." Accessed April 24, 2022.
- Responsibility Org. "Kentucky Lookback Period." Accessed April 24, 2022.