Cheap DUI Car Insurance in Kentucky (With Quotes)

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.

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.

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.

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.

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.

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.

Compare Top Auto Insurance Companies

Use Insurify for all of your car insurance comparison needs! Compare and connect directly with the top insurance companies to find the best rates as well as the most personalized discounts and coverage options. Insurify’s network includes over 200 insurance companies throughout the U.S. who can work with you to get you the right auto insurance policy at the cheapest price. See All Auto Insurance Companies