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Cheap DUI Car Insurance in Kentucky (With Quotes)

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Jeanette Wisniewski

By: Jeanette Wisniewski

| Reviewed by licensed insurance agent, Amber Benka

Last Updated March 9, 2022

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Best DUI Insurance Companies in Kentucky (2022)

For drivers with a DUI or DWI offense in Kentucky, it’s important that you evaluate all of your potential insurance options to ensure you are finding the best rate. Comparing the right insurance companies after this incident will allow you to get the best possible insurance rate after a DUI.

To simplify comparing companies, Insurify has analyzed rates from top insurance providers in Kentucky. The following are the best insurance rates from carriers that offer car insurance for drivers with a DUI in Kentucky.

CarrierAvg. Monthly Cost
Liberty Mutual$153
Travelers$202
Bristol West$217
Dairyland Insurance$232
Safeco Insurance$243
SafeAuto$282
The General$309
American Family Insurance$315
Metropolitan Property and Casualty Insurance Company$354

DUI Car Insurance Costs in Kentucky

In Kentucky, a DUI or DWI offense will on average have drivers paying $563 per month and $6,756 per year for their car insurance rates.

Compared to drivers with a clean driving record, that is on average an 122% increase on car insurance rates for drivers with a DUI. So in order, to find an affordable monthly rate after a DUI, comparison tools like Insurify become essential to finding the best rate.

Avg. Monthly Cost - No Violation
$254
Avg. Monthly Cost - After DUI
$563
$309 ▴
121.65% ▴
Monthly Impact of DUI on Rates
Percent Bad DUI Impact Rates

Insurify's comparison tool will help you make sure you're getting the best possible quote even after a DUI. You can have peace of mind that you're reviewing all of your available insurance options and can confidently choose the one that is best for your situation.

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How Much Does a DUI Impact Car Insurance Rates in Kentucky?

Rates go up after risky driving. There's no arguing that. The reason for it is because insurance companies know that the higher your risk, the more likely you are to cost them money in claims. So what do they do? They charge you up front.

In Kentucky, insurance companies raise your rates an average of $308.68. That's 121 percent more than average rates originally. What does that mean in terms of monthly insurance premiums? Drivers with a DUI in Kentucky should expect to shell out $562.68 for insurance on average.

No Violation - Avg. Monthly Rate After DUI - Avg. Monthly Rate Average Percent Increase After DUI
$254$563121.65%

What Are the Average Car Insurance Prices After a DUI in Kentucky?

Though your cost may be different, in Kentucky, the average cost for those with a DUI in their past is $562. Keep this in mind when you're shopping rates so you'll know when you hit on something acceptable. Rates, of course, will vary from person to person because no two people have the same driving record, driving habits, or personal details.

Because Kentucky is the eighth most expensive state for insurance after a DUI, you're going to feel it when you see your post-DUI premium. Drivers will want to shop rates using a method that crunches numbers from multiple carriers at once—and one that can consider their unique situation.

Kentucky After DUI Avg. Monthly Rate Most Expensive State for DUI (1-50)
$5638th

How Long Is the Lookback Period for a DUI in Kentucky?

A DUI is one driving mistake that will be with you for a long time. Though you may have paid all the state's criminal and administrative penalties, your DUI will be considered as your first offense for a 10-year lookback period. This lookback period means that any DUIs you get within 10 years will be counted together for the purposes of considering punishment.

The lookback period changed in 2016 from five years to 10 so the state could better address repeat offenders. Insurance companies use their own lookback periods when it comes to charging increased rates for insurance after a DUI. On average, this period is three to five years.

Kentucky DUI Penalties

The consequences of a DUI in Kentucky can include fines, license suspension, and jail time. The severity of the penalties depends on the number of DUIs you have on your record. First-time offenders may face up to $500 in fines, 30 days in jail, 90 days in an alcohol or substance abuse program, and a six-month license suspension.
As of July 2020, all drivers have access to the Kentucky Ignition Interlock Program. This program allows you to install and use an ignition interlock device on your car while shaving off several months of license suspension.

Top Auto Insurance Companies

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FAQs - Kentucky Car Insurance

  • There are many different factors that go into the how expensive your car insurance is. That said, some of the reasons why you could be paying so much for your insurance include: living in a state with high minimum insurance requirements, being a young or new driver, committing past traffic offenses like at-fault accidents or DUIs, and having a low credit score.

  • Auto insurance costs will vary between locations and insurance carriers, depending on the county Kentucky. Insurify analyzed the latest data for the five most populous cities in Kentucky to find you the cheapest quotes in each of these metropolitan areas.

  • The way to find the carrier with the best auto insurance ratings in Kentucky and save on your insurance premiums is to compare quotes from all companies in your area. Use a car insurance quotes comparison site like Insurify to compare up to 10+ real quotes for your specific driver profile and unlock savings and discounts. Rates can fluctuate greatly based on whether you're a safe driver or a high risk one, but you should never overpay. Insurify provides the cheapest car insurance quotes and companies in your area in just a few seconds.

  • During the past three years in the United States, national premium costs have risen an average of 4.5 percent annually. In states where quotes have risen, this figure has been 7.8 percent; and in those where rates have fallen, prices have decreased by approximately 6.0 percent. Individual rates by state will of course vary depending on the driver’s history and a multitude of factors.

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Methodology

The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.

Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews. 

With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.

Jeanette Wisniewski
Jeanette Wisniewski

Content Writer at Insurify

Jeannette Wisniewski is a technology writer whose passion is encouraging people to engage with technology by making it more understandable and more interesting. Though she enjoys writing business copy for a wide range of subjects, she is most inspired by emerging tech and its applications. She is a graduate of San Jose State University, a Georgia Peach at heart, and happy to call Boise, ID home.

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