State Farm is the most affordable provider for Kentucky drivers with a DUI, offering monthly rates of $60 for minimum coverage. Travelers, Shelter, and Progressive also provide affordable rates for drivers in a similar situation.
DUI Car Insurance in Kentucky
Updated: June 25, 2025
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Key Takeaways
Our research reveals State Farm as Kentucky's cheapest DUI car insurance at just $60 per month.
For most drivers with a good credit score, the average monthly cost for minimum coverage is $106, while full coverage costs about $210.
After a DUI in Kentucky, you must carry minimum liability insurance of 25/50/25, along with $10,000 in personal injury protection (PIP), which is mandatory under state law.
Cheapest DUI Car Insurance in Kentucky
| State Farm | $60 | $150 |
| Travelers | $63 | $138 |
| Shelter | $74 | $144 |
| Progressive | $108 | $173 |
| Auto-Owners Insurance Co | $111 | $202 |
*Rates are for a 40-year-old driver with good credit insuring a 2012 Toyota Camry.
Compare Cheap Car Insurance With a DUI in Kentucky
We understand that your profile may not match the ones we used for the table above. So we’ve broken down the cheapest car insurance for a DUI, considering coverage level, age group, and credit. Find affordable options tailored just for you.
Data filtered by:Results filtered by:
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Age Range:30-59
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Credit Score:Good
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Coverage Level:State Minimum Liability Only
| State Farm | $60 | $722 |
| Travelers | $63 | $759 |
| Shelter | $74 | $884 |
| Progressive | $108 | $1,295 |
| Allstate | $110 | $1,317 |
*A 100/300/100 liability-only coverage represents the minimum policy offered by most insurers that can satisfy Kentucky law for most drivers.
How Much Does DUI Car Insurance Cost in Kentucky?
In Kentucky, annual DUI car insurance rates costs approximately $1,267, depending on your driving history and profile. Having a DUI can hike up your premiums by around 67%. We've detailed average costs below, considering different coverage levels, credit scores, and age groups, so you can see what to expect.
Data filtered by:Results filtered by:
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Age Range:30-59
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Credit Score:Good
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Coverage Level:State Minimum Liability Only
| $106 | $1,267 | $42 | $507 | 67% |
*A 100/300/100 with no comprehensive and collision coverage represents the minimum coverage policy offered by most insurers that can satisfy Kentucky law for most drivers.
HOW LONG DOES A DUI AFFECT CAR INSURANCE IN KENTUCKY?
In Kentucky, a DUI (or DWI) conviction stays on your driving record for five years and influences insurance rates during that time. While there’s no SR‑22 requirement in the state, insurance companies typically review the past three to five years, and for serious offenses like DUI, some extend their evaluation to up to 10 years.
Additional Costs to Consider When Having a DUI in Kentucky
It’s well-known that a DUI can inflate your insurance rates, but many of the additional financial penalties are easy to overlook. Here are the main expenses to plan for:
- Fines and court costs. For a first DUI, Kentucky imposes fines between $200 and $500, with mandatory jail or community service (48 hours minimum). A second offense within 10 years carries fines of $350 to $500 plus longer jail time, and a third DUI (or a fourth overall) can result in $500 to $1,500, or even up to $10,000 for a fourth felony DUI. Courts also add a $425 service fee and administrative and victim-support charges.
- Imprisonment, probation and substance program. First-time DUI convictions carry two to 30 days in jail or community service, plus a 90-day alcohol education program. Repeat DUI offenders face extended jail time (up to a year), probation (six to 24 months), and at least one year of substance abuse treatment.
- Vehicle impoundment. Police can tow your vehicle upon arrest. Initial towing fees run around $100 to $300 and storage fees may reach $45 daily. If unclaimed after 30 days, your vehicle could be forfeited.
- Ignition interlock device (IID). In Kentucky, DUI convictions require an IID if you seek a reduced suspension through the Kentucky Ignition Interlock Program (KIIP). Installation costs between $70 and $170, with monthly monitoring fees around $80. Once activated, it typically remains in place for 90 to 120 days minimum to reduce a longer suspension.
- License suspension and reinstatement fee. Depending on offense severity, license suspensions range from 30 days to 60 months, and reinstating your license costs $40.
- Attorney fees and accident liability. Legal representation typically ranges from $2,000 to $5,000 or more, and if your DUI caused an accident, you're on the hook for medical bills and property damage.
- Insurance premium increases. Kentucky drivers with a DUI can see premiums double, rising from about $2,200 to $4,200 annually, or more, depending on insurer and record severity.
Kentucky DUI Car Insurance Requirements
After a DUI in Kentucky, you're not required to file an SR‑22, but you must carry the state’s minimum liability coverage: $25,000/$50,000 for bodily injury, $25,000 for property damage, and $10,000 in PIP. DUI convictions significantly increase auto insurance premiums, even without an SR‑22 requirement, and this rate hike typically lasts three to five years as insurers assess your high-risk status.
Other Kentucky DUI Laws to Know
When you incur a DUI in Kentucky, you face more than just increased insurance rates. The state enforces detailed legal and financial penalties, including fines, incarceration, vehicle impoundment, license suspension, and treatment requirements.
Fines
A first DUI within five years carries a fine between $200 and $500, plus mandatory fees and victim-support surcharges. A second DUI adds a fine of $350 to $500, while a third offense can cost between $500 and $1,000. A fourth DUI becomes a Class D felony, with fines up to $1,000 or more, topped by a $425 service fee and administrative charges.
Imprisonment and release
First-time offenders face 2–30 days in jail, minimum 48 hour or community service, along with a 90-day alcohol/substance program. Second DUIs are punished with 7 days to 6 months in jail and one year of treatment; a third offense brings 30 days to one year in jail plus mandatory treatment for a year. Fourth or subsequent offenses result in felony charges and a minimum 120-day jail sentence.
Impounding of vehicles
During a DUI arrest, your vehicle may be impounded, typically costing $100 to $300 for towing plus $45 per day storage. After 30 days unclaimed, your vehicle could be permanently forfeited.
Suspension periods
The suspension period ranges from at least 30 days up to 60 months, depending on the number of offenses. After fulfilling all treatment and IID requirements, reinstatement involves a state fee of $40.
DUI education requirements
Kentucky law mandates alcohol/substance abuse education for all DUI offenders. First-time offenders complete a 90-day program, while multiple offenders or those with aggravating factors must undergo at least a one-year treatment program. Only state-certified providers listed in the Kentucky DUI Program directory are accepted.
Ignition interlock device (IID)
Participating in the Kentucky Ignition Interlock Program (KIIP) allows you to reduce suspension by installing an IID and staying violation-free for 90 to 120 days. IID installation costs $70 to $170, with monthly monitoring fees near $80.
How to Get the Best Cheap Kentucky Car Insurance With a DUI
Finding affordable car insurance after a DUI in Kentucky isn’t always easy, but it’s possible. Below are actionable steps you can take to secure a lower rate.
- 1
Understand your needs
Following a DUI in Kentucky, your required coverage will increase. Evaluate your driving habits, budget, and local risks to determine whether extras like collision or comprehensive coverage are worth it. We also provide an auto insurance coverage needs calculator to help you begin.
- 2
Research costs and discounts
Research what drivers with similar profiles pay in your area to know what to expect. While there aren’t discounts specifically for DUI drivers, you might still qualify for savings. In Kentucky, completing a state-approved defensive driving course may reduce your premium by up to 10% and can cost as little as $15.
- 3
Compare multiple providers
Don’t rely on a single quote. Compare rates from multiple providers, using brokers, insurer websites, or tools like MoneyGeek’s. Be sure to compare policies with the same coverage levels to get a true cost comparison.
- 4
Use state high-risk car insurance programs if denied
If you're declined by traditional insurers, the Kentucky Automobile Insurance Plan (KAIP) may be an option. KAIP helps high-risk drivers secure coverage through assigned risk plans, ensuring you remain legally insured even after a DUI.
- 5
Make lifestyle or vehicle changes
Your car choice and credit score can significantly affect your rates. Consider working to increase your credit score, as poor credit combined with a DUI can result in significantly higher premiums. Choosing a cheaper car to insure can also cut your costs.
- 6
Consider non-traditional coverage types
If you drive fewer than 7,000 miles per year, you may save money with a pay-per-mile insurance program. Usage-based insurance can also reward good driving habits with discounts up to 40%.
Cheap DUI Insurance in Kentucky: Bottom Line
For Kentucky drivers with a DUI, the most affordable car insurance providers are State Farm, Travelers, and Shelter. While our findings suggest these options, it's smart to compare rates on your own. Take time to research costs and determine the necessary coverage to ensure you snag the best deal.
DUI Insurance in Kentucky: FAQ
Below are MoneyGeek's expert answers to common questions about DUI insurance in Kentucky.
Who has the cheapest car insurance for Kentucky drivers with a DUI?
For Kentucky drivers with a DUI and good credit, Travelers offers the cheapest full coverage, while State Farm provides the most affordable state minimum coverage. However, for drivers with a DUI and bad credit, Travelers remains the cheapest option for both full and minimum coverage.
How much does a DUI increase rates in Kentucky?
In Kentucky, a DUI can increase your insurance rates by 67% for state minimum coverage and by up to 71% for full coverage.
How much does DUI car insurance in Kentucky Cost?
In Kentucky, average monthly rates for minimum coverage range around $106, and for full coverage, it costs approximately $210 per month.
How We Chose the Cheapest Car Insurance for Kentucky's DUI Drivers
To determine the top companies for drivers with DUIs in Kentucky, MoneyGeek analyzed each company's financial stability, customer satisfaction, claims and affordability based on data from state insurance departments and Quadrant Information Services.
The rates above reflect a 40-year-old male with and without a DUI driving a 2012 Toyota Camry LE with 12,000 annual miles. We modified this base profile to create the other profiles presented.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.
sources
- Kentucky Insurance Plans. "Kentucky Automobile Insurance Plan." Accessed June 25, 2025.