Updated: May 20, 2024
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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 DUIBest Companies for DUI Insurance in 2023
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.
Ensure you are getting the best rate for your insurance. Compare quotes from the top insurance companies.
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.
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:
USAA ranked second, at roughly $1,256 per year. However, USAA is exclusive to military personnel and their families.
| 1 | CompanyState Farm | Annual Premium$939 |
| 2 | CompanyUSAA | Annual Premium$1,256 |
| 3 | CompanyAllstate | Annual Premium$1,620 |
| 4 | CompanyProgressive | Annual Premium$1,839 |
| 5 | CompanyKentucky Farm Bureau | Annual Premium$2,228 |
MoneyGeek’s data shows that, on average, the following insurance companies provide the most affordable minimum coverage rates for DUI-convicted drivers in Kentucky:
Although USAA came in second at around $586 annually, we left it off our list due to its limited availability.
| State Farm | Minimum Annual Premium$470 |
| USAA | Minimum Annual Premium$586 |
| Allstate | Minimum Annual Premium$907 |
| Progressive | Minimum Annual Premium$1,035 |
| Kentucky Farm Bureau | Minimum Annual Premium$1,178 |
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.
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.
Based on MoneyGeek's rating methodology, the top two best companies for DUI-convicted drivers are State Farm and GEICO.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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?
In Kentucky, previous DUI convictions are subject to a 10-year look-back term. A look-back period determines how long a DUI charge and conviction will stay on a driver's record. The 10-year look-back period in Kentucky means that if you are caught driving under the influence within 10 years of a previous DUI conviction, you may face harsher penalties than if you are arrested for the first time.
Full Coverage
$1,337
Full Coverage
$2,448This 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.
MoneyGeeks's car insurance calculator will give you a customized estimate of your auto insurance cost. It's free to use, requires no personal information and we won't send you any spam.
Rates updated:
Jul 26, 2024
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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:
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.
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.
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.
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.
Even though car insurance is mandatory in Kentucky, insurance providers are not required by law to cover DUI drivers. You may not be covered by your car insurance provider in Kentucky if you have a DUI conviction. If they do continue to cover you, your premiums could increase.
In Kentucky, rates after DUI can increase by 83.14%. Drivers without DUI pay an average of $1,337 per year, while DUI offenders pay $2,448 per year on average.
The cheapest car insurance company after DUI in Kentucky is State Farm.
Having a DUI in Kentucky will be on your record for ten years due to the state’s ten year look-back period.
The best way to get car insurance if you have a DUI is to shop around. MoneyGeek recommends that you compare quotes from various providers before deciding the best option for you.
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.
