Which company has the cheapest car insurance in Kentucky for a bad driving record?
Travelers, GEICO and Progressive offer some of the cheapest rates for drivers with poor driving records in Kentucky. Among them, Travelers has the lowest average premiumThe payment required for an insurance policy to remain in force. Auto insurance premiums are quoted for either 6-month or annual policy periods. at $2,904 annually.
If you have accidents, tickets or a DUI on your record, insurance companies will charge higher rates. Serious violations may affect your premiums for years, especially if you have multiple offenses.
| Company | Average annual premium for clean record | Annual premium for high-risk driver |
|---|---|---|
| Travelers | $1,804 | $2,904 |
| GEICO | $2,106 | $3,726 |
| Progressive | $2,714 | $3,824 |
| Auto-Owners | $1,911 | $3,890 |
| State Farm | $2,753 | $4,261 |
| Allstate | $3,127 | $4,332 |
| Kentucky Farm Bureau | $2,113 | $5,289 |
| Farmers | $3,548 | $7,730 |
| USAA | $1,820 | $2,684 |
How much is high-risk car insurance in Kentucky?
The average cost of high-risk car insurance in Kentucky is $3,913 per year. Depending on your driving history and insurer, you may be able to find rates as low as $2,904 annually.
Several factors can classify you as a high-risk driver, but some raise your premiums more than others. For example, receiving multiple speeding tickets, or one in a school zone, will increase your rates more than a single basic speeding ticket.
Keep reading as we break down the factors that make you a high-risk driver and what you can expect to pay for car insurance.
Select your state and risk factor below to see the insurance company and its
average annual full coverage rates.
| Company | Annual premium for clean record | Annual premium after violation |
|---|---|---|
| Auto-Owners | $1,911 | $2,629 |
| Travelers | $1,804 | $2,702 |
| Kentucky Farm Bureau | $2,113 | $2,816 |
| USAA | $1,820 | $2,871 |
| State Farm | $2,753 | $3,131 |
| GEICO | $2,106 | $3,526 |
| Progressive | $2,714 | $4,173 |
| Allstate | $3,127 | $5,787 |
| Farmers | $3,548 | $7,311 |
People ask
Who is considered a high-risk driver in Kentucky?
Each insurance company has its own rules for deciding who is a high-risk driver. But usually, things like a DUI, several tickets or accidents, or serious violations like reckless driving will put you in the high-risk category.
What company offers the cheapest car insurance in Kentucky after a DUI?
Travelers offers the cheapest average rates after a DUI in Kentucky at $2,857 a year.
Driving under the influence (DUI) is a serious traffic violation that damages your driving record. It can raise auto insurance premiums for nearly 10 years, on top of fines and other penalties. Multiple DUIs drive rates even higher, but consistent safe driving over time can gradually lead to lower premiums.
The table below compares average car insurance premiums in Kentucky for drivers with a clean record versus those with a DUI.
| Company | Average annual premium for clean record | Annual premium for a DUI |
|---|---|---|
| Travelers | $1,804 | $2,857 |
| State Farm | $2,753 | $2,925 |
| Progressive | $2,714 | $3,633 |
| Allstate | $3,127 | $4,118 |
| Auto-Owners | $1,911 | $4,434 |
| Kentucky Farm Bureau | $2,113 | $4,893 |
| GEICO | $2,106 | $5,223 |
| Farmers | $3,548 | $9,035 |
| USAA | $1,820 | $2,973 |
What is the cheapest car insurance in Kentucky with multiple tickets?
Auto-Owners offers the lowest average rates for drivers with multiple traffic tickets at $2,580 annually or $215 monthly.
One ticket will affect car insurance rates, but multiple tickets will increase rates by a lot more. Repeated failure to obey speed limits and traffic laws means insurers are more likely to pay claims because of your risky driving.
This table shows Kentucky drivers how much multiple tickets increase premiums.
| Company | Average annual premium for clean record | Annual premium with a speeding ticket |
|---|---|---|
| Auto-Owners | $1,911 | $2,580 |
| Travelers | $1,804 | $2,729 |
| State Farm | $2,753 | $2,925 |
| GEICO | $2,106 | $3,479 |
| Progressive | $2,714 | $3,530 |
| Allstate | $3,127 | $3,680 |
| Kentucky Farm Bureau | $2,113 | $4,893 |
| Farmers | $3,548 | $6,427 |
| USAA | $1,820 | $2,312 |
Expert's Insight
Two minor tickets can sometimes cost you more on insurance in the end than one major violation.
Which company offers the cheapest insurance for reckless driving in Kentucky?
Travelers provides the cheapest average reckless driving insurance rates in Kentucky at $2,857 per year.
If you engage in hazardous driving behaviors that endanger others, you may be charged with reckless driving. A reckless driving conviction will increase your car insurance rates.
The table below shows car insurance rates for drivers with a clean record vs. drivers with a reckless driving conviction.
| Company | Average annual premium for clean record | Annual premium for reckless driving |
|---|---|---|
| Travelers | $1,804 | $2,857 |
| State Farm | $2,753 | $2,925 |
| Progressive | $2,714 | $4,008 |
| GEICO | $2,106 | $4,110 |
| Allstate | $3,127 | $4,118 |
| Auto-Owners | $1,911 | $4,434 |
| Kentucky Farm Bureau | $2,113 | $4,893 |
| Farmers | $3,548 | $9,035 |
| USAA | $1,820 | $2,467 |
Expert's Insight
A reckless driving conviction can limit your car insurance options and significantly raise rates, so shopping around is critical.
Which company has the cheapest car insurance for drivers with bad credit in Kentucky?
The cheapest Kentucky insurer for bad credit is GEICO, with rates averaging $2,586 per year or $216 per month. The good news is that drivers with bad credit can still get affordable auto insurance.
Your credit score may not be related to your driving skills, but it can affect your car insurance rates and put you in a higher-risk category. From an insurer's perspective, higher risk means an increased chance of filing a claimAn insurance claim is a request you make to your insurance company for coverage after your car is damaged or you have an accident. You can file a claim online, by phone, or in writing., and statistics show that drivers with lower credit scores are in this category.
Check the table below to see how your credit score affects Kentucky car insurance.
| Company | Annual premium for good credit | Annual premium for bad credit |
|---|---|---|
| GEICO | $2,106 | $2,586 |
| Travelers | $1,804 | $3,525 |
| Progressive | $2,714 | $4,715 |
| Auto-Owners | $1,911 | $5,422 |
| Kentucky Farm Bureau | $2,113 | $6,475 |
| Allstate | $3,127 | $6,718 |
| Farmers | $3,548 | $9,027 |
| State Farm | $2,753 | $10,945 |
| USAA | $1,820 | $3,732 |
What company has the cheapest car insurance in Kentucky after an accident?
Auto-Owners has the cheapest average rates after an accident at $2,629 per year. Travelers also offers lower-than-average rates at $2,634 annually.
Drivers with accidents on their record typically pay higher insurance rates than those with a clean record. While car insurance rates may increase after one accident, multiple accidents can increase rates even more.
This table shows rates for drivers with a clean record, one at-fault accident and multiple accidents.
| Company | Average annual premium for clean record | Annual premium for one at-fault accident | Annual premium for multiple accident |
|---|---|---|---|
| Auto-Owners | $1,911 | $2,629 | $3,209 |
| Travelers | $1,804 | $2,634 | $3,467 |
| Kentucky Farm Bureau | $2,113 | $2,816 | $2,816 |
| State Farm | $2,753 | $3,131 | $3,131 |
| GEICO | $2,106 | $3,526 | $5,586 |
| Progressive | $2,714 | $4,173 | $5,613 |
| Allstate | $3,127 | $5,787 | $7,387 |
| Farmers | $3,548 | $6,913 | $9,804 |
| USAA | $1,820 | $2,871 | $4,268 |
Expert's Insight
Accident forgiveness programs can prevent rate increases, but eligibility varies by insurer, and often only minor accidents qualify.
Which city is cheapest for high-risk car insurance in Kentucky?
Owensboro has the cheapest average high-risk insurance premiums in Kentucky at $3,242 annually. Meanwhile, Louisville has the highest average rates at $4,151 per year.
Where you live affects your insurance costs. Areas with more traffic, accidents or vehicle theft usually have higher insurance rates.
| City | Average annual premium for clean record | Annual premium for high-risk driver |
|---|---|---|
| Owensboro | $1,863 | $3,242 |
| Ashland | $1,905 | $3,304 |
| Versailles | $1,920 | $3,324 |
| Murray | $1,973 | $3,445 |
| Midway | $2,013 | $3,475 |
| Bowling Green | $1,987 | $3,476 |
| Crofton | $2,003 | $3,486 |
| Sturgis | $2,101 | $3,634 |
| Ghent | $2,202 | $3,878 |
| Milton | $2,281 | $4,036 |
| Louisville | $2,359 | $4,151 |
How can high-risk drivers lower their car insurance rates in Kentucky?
Even if you're considered a high-risk driver, there are still several ways to lower your insurance premiums in Kentucky, including shopping around, taking a defensive driving course and avoiding further infractions.
You may be able to save money by:
- Carefully consider filing claims. Covering minor damage out of pocket can be less expensive than filing an insurance claim, which might raise your premiums for years.
- Avoid costly infractions. Practice safe driving to prevent additional traffic violations on your record. Tickets typically impact your insurance rates for only a few years, and your premiums may decrease if no new violations occur during that time.
- Improve your credit score. Improving your credit score can lower your car insurance premiums. Paying bills on time and managing your credit utilization responsibly will help raise your score.
- Take a defensive driving course. Many insurers offer discounts for completing the course, and certain states will even remove points from your driver's license once you complete it.
- Shop around for coverage. Each car insurance company evaluates factors differently and sets its own rates. Comparing quotes can help you find the lowest price.
People ask
How long are you considered a high-risk driver in Kentucky?
Three years is common, but how long you are considered a high-risk driver in Kentuckydepends on the insurance company's guidelines. The state determines how long a violation stays on your record, but the insurance company determines how long you're charged for that violation.
Methodology
170+ insurance companies analyzed 34,000+ ZIP codes examined $53M insurance quotes analyzed
National and state average rates are based on three coverage levels: state minimum, 50/100/50 liability-only, and full coverage with 100/300/100 liability and $500 deductibles.
All base rate averages are based on our full coverage data set. This data set is based on:
- Bodily injury liability of $100,000 per person and $300,000 per incident
- Property damage liability of $100,000 per incident
- Comprehensive and collision deductibles of $500
- 40-year-old driver
- Honda Accord LX
- Good credit
- A clean driving record
- 12-mile commute, 10,000 annual mileage
Our data is then adjusted to reflect the rate increase from this base rate for the following infractions and issue:
- DUI
- Reckless driving
- Multiple speeding tickets
- Bad credit
- One at-fault accident over $2,000
FAQ: High-risk car insurance in Kentucky
Can high-risk drivers get full coverage car insurance in Kentucky?
Yes, you can get full coverage insurance as a high-risk driver. However, you can expect it to cost a lot more than liability-only coverage.
Does an SR-22 automatically make your insurance more expensive in Kentucky?
Although the SR-22 doesn't increase your rates, the reason for needing it does, since only drivers with major violations require an SR-22; rates will go up. An SR-22 is the form the insurance company has to file with the state, and by itself, it doesn't increase your rates.
Will my car insurance rates go down after three years in Kentucky?
It's likely that your insurance will go down after three years, although, depending on the violation, you may still be paying higher rates than you were before it happened.
Compare Kentucky high-risk driver car insurance rates with other states
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