Cheapest car insurance for high-risk drivers in Kentucky

Cheapest car insurance in Kentucky for a bad driving record

Drivers with a poor record in Kentucky will find the lowest rates from Travelers, GEICO and Progressive. Among these, Travelers provides the lowest annual 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, DUIs or traffic tickets on your driving record, you'll likely pay higher insurance rates. Most traffic violations can impact your rates for three to five years, while a DUI can raise your rates for up to 10 years and may remain on your record for life.

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

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How much is high-risk car insurance in Kentucky?

A problematic driving record or poor credit score may mean higher insurance rates, but affordable options exist. In Kentucky, high-risk car insurance costs $3,913 per year. However, you can get rates as low as $2,904 annually from Travelers.

Although you may be labeled high-risk for many reasons, some factors raise rates more than others. For example, multiple speeding tickets may significantly raise car insurance rates, but so can a single ticket for excessive speed in a school zone.

Read on as we explain high-risk car insurance factors and rates below.

Average annual car insurance rate for At-fault bodily injury accident in Kentucky, KY is $3,655

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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

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Average annual rate

PEOPLE ASK:

Who is considered high-risk for insurance 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.

Cheapest car insurance in Kentucky with a DUI

While many insurers offer coverage after a DUI, Travelers has the lowest rate at $2,857 a year.

Driving under the influence (DUI) is a major traffic violation that will hurt your driving record. It can increase auto insurance rates for almost a decade in addition to fines and other penalties. Multiple DUIs will increase your premiums even more, but improving your driving habits can help you get better rates over time.

The table below shows the average car insurance rates for a clean record vs. a DUI in Kentucky.

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

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Cheapest car insurance in Kentucky with multiple tickets

Auto-Owners is the cheapest car insurance company for drivers with multiple traffic tickets, with an average rate of $2,580 a year or $215 a month.

While one traffic ticket can affect car insurance rates, multiple tickets can significantly increase those rates. Failure to obey speed limits and traffic laws leads insurers to believe they will eventually have to pay claims due to 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

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Cheapest car insurance in Kentucky with a reckless driving conviction

Travelers offers the most affordable rates for drivers with reckless driving convictions, averaging $2,857 per year.

Engaging in driving behaviors that put others at risk can lead to a reckless driving charge. A conviction for reckless driving results in higher car insurance rates.

The table below compares car insurance premiums for drivers with a clean record and those 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

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Cheapest car insurance in Kentucky with bad credit

The cheapest Kentucky insurer for bad credit is GEICO, with rates averaging $2,586 annually or $216 monthly. Fortunately, drivers with bad credit can still find affordable auto insurance.

Although unrelated to your performance behind the wheel, your credit score also impacts car insurance rates and can put you in the high-risk category. To an insurance company, high-risk means more likely to file 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 statistically, drivers with a low credit score fit that description.

Check out 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

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Cheapest car insurance after an accident in Kentucky

Auto-Owners has the lowest average rates after an accident at $2,629 a year. Travelers also offers affordable rates, averaging $2,634 per year.

Drivers with accidents on their record usually pay higher insurance premiums than drivers with a clean record. A single accident can raise your rates, and multiple accidents can push them even higher.

This table shows car insurance rates for drivers with a clean record, a single 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

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Cheapest car insurance in Kentucky by city

Owensboro has the cheapest car insurance rates in Kentucky at $3,242 per year. But the most expensive city is Louisville with rates of $4,151 per year.

Your location in Kentucky also matters. For example, if you live in an area with heavy traffic or a high vehicle theft rate, rates will reflect the increased chance of claims.

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

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How to reduce car insurance rates in Kentucky for a bad driving record

Finding affordable car insurance in Kentucky is possible, even with a bad driving record. Ways to lower car insurance rates include:

Carefully consider filing claims. Paying for minor damage out of pocket may be cheaper than filing an insurance claim and increasing rates for years.
Avoid costly infractions. Drive carefully to avoid adding traffic infractions to your record. Tickets only affect insurance rates for a few years, which will decrease if more tickets aren't added.
Improve your credit score. Raising your credit score lowers car insurance rates. Make on-time payments and consider credit usage to improve your rating.
Take a defensive driving course. Many insurance companies offer a discount for doing so, and some states remove driver's license points for successfully completing the class.
Shop around for coverage. Every car insurance company weighs factors differently and offers different rates. Compare quotes to find the cheapest rates.

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 California depends 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: