- Cheapest car insurance for high-risk drivers in Kentucky
- Average rates for high-risk drivers in Kentucky by driving record
- Cheapest car insurance with a DUI
- Cheapest car insurance with multiple tickets
- Cheapest car insurance with a reckless driving conviction
- Cheapest car insurance with bad credit
- Methodology
Cheapest car insurance for high-risk drivers in Kentucky
Rates will vary depending on what’s on your driving record, but on average the cheapest car insurance company for high-risk drivers in Kentucky is State Farm, followed by Geico and Travelers.
| Company | Avg annual premium | Avg monthly premium |
|---|---|---|
| State Farm | $1,808 | $151 |
| Geico | $2,551 | $213 |
| Travelers | $2,724 | $227 |
| Nationwide | $3,021 | $252 |
| Auto-Owners | $3,065 | $255 |
| Allstate | $3,208 | $267 |
| Progressive | $3,465 | $289 |
| Kentucky Farm Bureau | $4,177 | $348 |
| USAA | $2,410 | $201 |
Average rates for high-risk drivers in Kentucky by driving record
Average cost of car insurance in Kentucky for high-risk driver
Select your state and risk factor below to see the insurance company and its
average annual full coverage rates.
| Company name | Average annual premium |
|---|---|
| State Farm | $1,670 |
| Auto-Owners | $2,155 |
| Geico | $2,499 |
| Travelers | $2,523 |
| USAA | $2,582 |
| Nationwide | $2,838 |
| Kentucky Farm Bureau | $3,123 |
| Allstate | $3,944 |
| Progressive | $4,060 |
Cheapest car insurance with a DUI
A DUI will put you into the high-risk category quickly, and you can expect a big jump in your rates. Shopping around can make a big difference, however. The cheapest car insurance company in Kentucky for a driver with a DUI is State Farm with an average annual of $1,562 a year.
| Company | Avg annual premium | Avg monthly premium |
|---|---|---|
| State Farm | $1,562 | $130 |
| Travelers | $2,675 | $223 |
| Progressive | $3,150 | $263 |
| Allstate | $3,187 | $266 |
| Geico | $3,494 | $291 |
| Nationwide | $3,526 | $294 |
| Auto-Owners | $3,722 | $310 |
| Kentucky Farm Bureau | $5,481 | $457 |
| USAA | $2,686 | $224 |
Cheapest car insurance with multiple tickets
While a single ticket doesn’t mean you’re high-risk, multiple tickets will worry insurance companies more, resulting in higher rates. In Kentucky, the cheapest car insurance with multiple tickets is from State Farm. It offers full coverage insurance at $1,562 per year or $130 monthly.
| Company | Avg annual premium | Avg monthly premium |
|---|---|---|
| State Farm | $1,562 | $130 |
| Auto-Owners | $2,045 | $170 |
| Geico | $2,338 | $195 |
| Travelers | $2,551 | $213 |
| Nationwide | $2,735 | $228 |
| Allstate | $2,844 | $237 |
| Progressive | $3,253 | $271 |
| USAA | $2,065 | $172 |
Cheapest car insurance with a reckless driving conviction
Reckless driving is a serious violation and indicates you drive in a very risky manner, which means higher insurance rates. In Kentucky, State Farm offers the cheapest full coverage car insurance for drivers with a reckless driving conviction at $1,562 a year.
| Company | Avg annual premium | Avg monthly premium |
|---|---|---|
| State Farm | $1,562 | $130 |
| Travelers | $2,675 | $223 |
| Geico | $2,756 | $230 |
| Allstate | $3,187 | $266 |
| Progressive | $3,564 | $297 |
| Nationwide | $3,592 | $299 |
| Auto-Owners | $3,722 | $310 |
| Kentucky Farm Bureau | $5,481 | $457 |
| USAA | $2,205 | $184 |
Cheapest car insurance with bad credit
Although it's not directly related to driving skills, people with poor credit are statistically more likely to file a claim. As a result, bad credit can put you in the high-risk category, but you can save by shopping around. The cheapest car insurance for drivers with bad credit in Kentucky is Geico with an average annual cost of $2,041 or $170 per month.
| Company | Avg annual premium | Avg monthly premium |
|---|---|---|
| Geico | $2,041 | $170 |
| Nationwide | $2,805 | $234 |
| State Farm | $3,035 | $253 |
| Travelers | $3,342 | $279 |
| Progressive | $4,318 | $360 |
| Allstate | $4,340 | $362 |
| Auto-Owners | $4,812 | $401 |
| Kentucky Farm Bureau | $7,126 | $594 |
| USAA | $3,375 | $281 |
Methodology
Data is sourced from the Auto Problems Report 2022 for all states including Washington D.C. The rates are based on the driving profile of a 40-year-old male driver who drives a Honda Accord LX and opts for a full-coverage policy with coverage limits of 100/300/100 and a $500 comprehensive and collision deductible across most ZIP codes with 50,00,736 records from 27 companies.
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