How to Find the Best Car Insurance
for High Risk Drivers in Kentucky
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- Car Insurance in Kentucky
- High-Risk Car Insurance in Kentucky
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.
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.
What’s in the Kentucky High-Risk Car Insurance Guide?
- What Are the Best Car Insurance Companies for High-Risk Drivers in Kentucky?
- How Much Does High-Risk Driving Affect Car Insurance Rates in Kentucky?
- How Much Does a Speeding Ticket Impact Car Insurance Rates in Kentucky?
- How Does an at-Fault Accident Impact Insurance Rates in Kentucky?
- How Much Does Failure to Stop for a Red Light or Stop Sign Impact Car Insurance Rates in Kentucky?
- Does Driving With a Suspended License Impact Car Insurance Rates in Kentucky?
What Are the Best Car Insurance Companies for High-Risk Drivers in Kentucky?
Although high-risk drivers in Kentucky face higher premiums, there are plenty of options for affordable coverage. For example, insurers such as Travelers, SafeAuto, and Liberty Mutual all offer competitive auto insurance rates. There are even some insurance providers that offer specialized plans for high-risk drivers. Below are a few of the cheapest insurance companies 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 |
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 for Red Light / Stop Sign | $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.
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.
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.
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.
