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Kentucky Car Insurance for High Risk Drivers (With Quotes)
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| Reviewed by licensed insurance agent, Amber Benka
Last Updated March 9, 2022
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Cheapest Insurance Companies for High Risk Drivers in Kentucky (2022)
For drivers that are high-risk 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 for drivers that are high-risk.
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 high-risk drivers in Kentucky.
| Carrier | Avg. Monthly Cost |
|---|---|
| Travelers | $188 |
| SafeAuto | $218 |
| Liberty Mutual | $260 |
| Bristol West | $281 |
| Safeco Insurance | $315 |
| Midvale Home & Auto | $332 |
| American Family Insurance | $339 |
| The General | $385 |
What Makes a Driver High-Risk in Kentucky?
Auto insurance companies accept a certain amount of risk when they take on new customers. The actual amount of risk they assume comes down to many factors, but one of the biggest is the history of the driver. Drivers who have multiple violations on their record tend to be considered high-risk and have to pay more in premiums each month.
A combination of driving violations and excessive insurance claims can cause a customer to be classified as a high-risk driver in the state of Kentucky. Most insurance providers consider speeding, reckless driving, DUI/DWI convictions, and multiple at-fault accidents to be the riskiest violations. With high-risk drivers experiencing higher premiums, it is a good idea to shop around with different insurers.
Kentucky Car Insurance Rates for High-Risk Drivers
No Violation$239
Failure to Stop$256
Speeding Ticket$282
Reckless Driving$311
At-Fault Accident$320
Insurify's comparison tool will help you make sure you're getting the best possible quote even after high risk driving violation. You can have peace of mind you're not paying any more than need to, and customers save $48 per month on average.
How Much Does High-Risk Driving Affect Car Insurance Rates in Kentucky?
No one sets out with the goal to obtain a high-risk driving charge on their record. However, we are all human, and mistakes or accidents can happen. We drive a little too fast down a back road, we don't fully stop at a stop sign, or we make an improper pass across a yellow line. If you are convicted of any high-risk driving charge, there is a good chance it will affect your insurance rates.
As the chart below demonstrates, even simply failing to fully stop at a red light or stop sign can result in a seven percent increase in monthly premiums. Insurance providers tend to be less lenient on high-risk driving violations compared to other violations. However, by shopping around, it is possible to find affordable coverage for you and your vehicle.
| Driving History | Avg. Monthly Cost |
|---|---|
| No Violation | $239 |
| Speeding Ticket | $282 |
| At-Fault Accident | $320 |
| Reckless Driving | $311 |
| Failure to Stop | $256 |
How Much Does a Speeding Ticket Impact Car Insurance Rates in Kentucky?
It is easy to accidentally drive a little too fast, especially when you are running late. If you are caught speeding and receive a ticket, the consequences may be a little worse than showing up a few minutes late to an appointment. Often, premiums rise by an average of $43 per month if you have a speeding violation on your record.
No Violation - Avg. Monthly Rate$239
Speeding ticket - Avg. Monthly Rate$282
$43 ▴
Avg. Monthly Rate Increase
How Does an at-Fault Accident Impact Insurance Rates in Kentucky?
At-fault accidents can range from minor contact to full-on collisions. Regardless of how bad the accident is, if you are found to be at fault, then there is a good chance you will pay substantially more for coverage. For instance, those who have an at-fault accident on their record pay 33 percent more in premiums than those without.
No Violation - Avg. Monthly Rate$239
Speeding ticket - Avg. Monthly Rate$320
$81 ▴
Avg. Monthly Rate Increase
How Much Does Failure to Stop for a Red Light or Stop Sign Impact Car Insurance Rates in Kentucky?
Just tapping your brakes at a stop sign instead of completely stopping might result in a failure-to-stop violation. While many people don't see this as a big deal, it can often result in a $17 a month increase in monthly premiums. If you have this violation on your driving record, you might be able to find lower rates by shopping around at other insurance providers.
No Violation - Avg. Monthly Rate$239
Speeding ticket - Avg. Monthly Rate$256
$17 ▴
Avg. Monthly Rate Increase
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Does Driving With a Suspended License Impact Car Insurance Rates in Kentucky?
Auto insurance companies accept a certain amount of risk when they take on new customers. The actual amount of risk they assume comes down to many factors, but one of the biggest is the history of the driver. Drivers who have multiple violations on their record tend to be considered high-risk and have to pay more in premiums each month.
A combination of driving violations and excessive insurance claims can cause a customer to be classified as a high-risk driver in the state of Kentucky. Most insurance providers consider speeding, reckless driving, DUI/DWI convictions, and multiple at-fault accidents to be the riskiest violations. With high-risk drivers experiencing higher premiums, it is a good idea to shop around with different insurers.
Tips for Researching High-Risk Kentucky Car Insurance Rates
Insurance prices and policies can vary significantly between companies, and a large and growing state like Kentucky draws a wide variety of choices when factoring high-risk driving insurance rates.
Insurify''s rate comparison tool will help you make sure you''re getting the best possible quote based on your needs and location. You can have peace of mind you''re not paying any more than you need to, and customers save $585 per year on average.
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
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.
Content Writer at Insurify
Doug Shaffer is an insurance writer for Insurify. He has had the opportunity to write for several large, national insurance carriers in the past and brings with him over six years of experience working with both business and consumer products. Even though he enjoys writing for most product lines, he loves auto insurance the most. During the moments he manages to break away from the keyboard, he can be found spending time with his family.
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