- Cheapest car insurance in Kentucky for a bad driving record
- How much is high-risk car insurance in Kentucky?
- Cheapest car insurance in Kentucky with a DUI
- Cheapest car insurance in Kentucky with multiple tickets
- Cheapest car insurance in Kentucky with a reckless driving conviction
- Cheapest car insurance in Kentucky with bad credit
- Cheapest car insurance after an accident in Kentucky
- Cheapest car insurance in Kentucky by city
- How to reduce car insurance rates in Kentucky for a bad driving record
Cheapest car insurance in Kentucky for a bad driving record
If you have a bad driving record in Kentucky, Travelers, Geico, Progressive offer affordable car insurance. However, Travelers has the lowest average rate of $2,904.
Traffic infractions, accidents and DUIs wind up on your driving record, meaning you’ll pay higher car insurance rates in addition to any fines assessed. While most violations only affect your insurance rates for a few years, a DUI may affect rates for a decade and never be removed from your record.
| 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?
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. However, you can get rates as low as $2,904 from Travelers.
Many things can make you a high-risk driver, but some affect your rates more than others. For example, having multiple speeding tickets or a ticket for speeding in a school zone will increase your rates more than a single basic speeding ticket.
Read on as we explain high-risk car insurance factors and rates below.
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 |
Cheapest car insurance in Kentucky with a DUI
While many insurers offer coverage after a DUI, Travelers has the lowest rate at $2,857.
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 |
Cheapest car insurance in Kentucky with multiple tickets
The cheapest insurer for drivers with multiple traffic tickets is Auto-Owners, with rates averaging $2,580 or $215.
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 |
Cheapest car insurance in Kentucky with a reckless driving conviction
Travelers has the cheapest rates for drivers with reckless driving convictions at $2,857.
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 |
Cheapest car insurance in Kentucky with bad credit
The cheapest Kentucky insurer for bad credit is Geico, with rates averaging $2,586 or $216. 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 |
Cheapest car insurance after an accident in Kentucky
Auto-Owners has the lowest average rates after an accident at $2,629. Travelers also offers affordable rates, averaging $2,634.
Drivers with accidents on their driving records see higher rates than drivers who avoid crashes. While car insurance increases after one accident, multiple accidents significantly increase rates.
This table compares rates for drivers with a clean driving 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 |
Cheapest car insurance in Kentucky by city
Owensboro has the cheapest car insurance rates in Kentucky, averaging $3,242. However, the most expensive city is Louisville, with average insurance rates of $4,151.
Where you live in Kentucky also affects car insurance rates. For example, if you live in a high-traffic or high-theft area, rates will increase because your vehicle is more likely to be damaged or stolen.
| 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 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.
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