- Does a DUI raise car insurance rates in Kentucky?
- How much does a DUI raise your insurance in Kentucky?
- If someone gets a DUI in your car, does it go on your insurance?
- How long does a DUI affect your insurance in Kentucky?
- How much does a DUI raise insurance by age group?
- How much does a DUI raise your insurance in your city?
- How to get car insurance after a DUI in Kentucky
- Kentucky DUI insurance requirements and penalties
- How long after a DUI does your insurance go down?
- Tips to save money after a DUI
- Methodology
- Kentucky DUI insurance: Frequently asked questions
- Compare Kentucky DUI car insurance rates with other states
Does a DUI raise car insurance rates in Kentucky?
Kentucky car insurance averages $2,228 with a clean driving record. However, average car insurance rates after a DUI increase to $4,203, which is $1,975 more.
Car insurance companies charge much higher rates if you are proven to be a risky driver. If you have multiple DUIs, average rates dramatically increase to $6,879.
How much does a DUI raise your insurance in Kentucky?
The cheapest insurer after a DUI is Travelers, with rates averaging $2,857. The next cheapest insurer is State Farm a difference of $68 from Travelers. Progressive has the third-most affordable car insurance rates with a DUI.
Driving under the influence is not only dangerous but also costly. You'll deal with massive fines and higher car insurance premiums for several years. Each insurer evaluates a DUI differently and sets its own rates, so it's important to compare quotes from multiple companies.
This table displays average car insurance rates for a driver with a DUI in Kentucky.
| Company | Annual premium for clean records | Annual premium after a DUI | Annual premium after multiple DUIs |
|---|---|---|---|
| Travelers | $1,804 | $2,857 | $4,220 |
| State Farm | $2,753 | $2,925 | $2,925 |
| Progressive | $2,714 | $3,633 | $4,960 |
| Allstate | $3,127 | $4,118 | $5,624 |
| Auto-Owners | $1,911 | $4,434 | $9,269 |
| Kentucky Farm Bureau | $2,113 | $4,893 | $8,600 |
| GEICO | $2,106 | $5,223 | $10,771 |
| Farmers | $3,548 | $9,035 | $16,161 |
| USAA | $1,820 | $2,973 | $3,555 |
PEOPLE ASK:
What happens when you get a DUI in Kentucky?
If you're convicted of a DUI in Kentucky, consequences are severe. For a first offense, you'll face fines and fees. Your car may also be impounded, your driver's license suspended, car insurance rates will increase, and the DUI will stay on your record for at least 10 years.
If someone gets a DUI in your car, does it go on your insurance?
Typically, the insurance follows the car, not the driver, so your car insurance won't increase since the DUI won't be on your driving record.
However, your premiums may rise if your car is involved in an accident caused by a DUI. Your vehicle may also be treated as a crime scene after the crash, meaning you won't be able to access it until the police release it.
How long does a DUI affect your insurance in Kentucky?
While a DUI may remain on your driving record forever, it doesn't affect rates forever. A DUI affects Kentucky car insurance and stays on your record for at least 10 years. Your car insurance rates should begin to decrease after several years with no further infractions on your driving record.
PEOPLE ASK:
Will I have difficulty getting car insurance after a DUI?
It may be more challenging to find affordable car insurance after a DUI, especially if you have multiple convictions. However, if you already have car insurance, your insurer will likely continue your coverage. Since insurance rates will increase after a DUI, you may consider shopping for new coverage to compare rates.
How much does a DUI raise insurance by age group?
Younger drivers pay more for car insurance than older, more experienced drivers because they have less time on the road. Although a DUI raises rates for any driver, a teen's insurance costs surge even higher after a conviction. The average car insurance rate for a teen with a DUI is $7,108.
Here are the most affordable insurers after a DUI by age:
- For teens: Travelers offers the lowest rate at $7,108.
- For young adults: Travelers provides the cheapest coverage for young adults at $3,104.
- For adults: Travelers is the most affordable option, with an average rate of $2,857.
- For seniors: State Farm offers the lowest average rate at $2,655.
This table illustrates how a DUI impacts car insurance rates across different age groups.
| Company | Annual premium for clean record | Annual premium after a DUI | Dollar increase | % Increase |
|---|---|---|---|---|
| Travelers | $4,771 | $7,108 | $2,337 | 49% |
| State Farm | $7,107 | $7,641 | $534 | 8% |
| GEICO | $5,830 | $9,089 | $3,259 | 56% |
| Progressive | $10,498 | $11,582 | $1,084 | 10% |
| Kentucky Farm Bureau | $4,967 | $12,041 | $7,074 | 142% |
| Auto-Owners | $4,937 | $12,077 | $7,140 | 145% |
| Allstate | $10,378 | $14,905 | $4,527 | 44% |
| Farmers | $13,216 | $36,193 | $22,977 | 174% |
| Travelers | $4,771 | $7,108 | $2,337 | 49% |
| State Farm | $7,107 | $7,641 | $534 | 8% |
| GEICO | $5,830 | $9,089 | $3,259 | 56% |
| Progressive | $10,498 | $11,582 | $1,084 | 10% |
| Kentucky Farm Bureau | $4,967 | $12,041 | $7,074 | 142% |
| Auto-Owners | $4,937 | $12,077 | $7,140 | 145% |
| Allstate | $10,378 | $14,905 | $4,527 | 44% |
| Farmers | $13,216 | $36,193 | $22,977 | 174% |
| USAA | $4,775 | $8,259 | $3,484 | 73% |
| USAA | $4,775 | $8,259 | $3,484 | 73% |
How much does a DUI raise your insurance in your city?
The cheapest city in Kentucky for car insurance with a DUI is Owensboro, while the most expensive city is Louisville at an average of $4,474. Where you live affects car insurance rates, regardless of a DUI. Drivers in areas with higher traffic rates and more vehicle thefts pay higher insurance rates since their cars are more likely to be damaged. Those higher rates are then raised significantly with a DUI.
This table shows average DUI car insurance rates by city. Compare rates in large cities to rural areas to see how your location impacts rates.
| City | Annual premium for clean record | Annual premium after a DUI | Dollar increase | % Increase |
|---|---|---|---|---|
| Ashland | $1,905 | $3,545 | $1,640 | 86% |
| Bowling Green | $1,987 | $3,696 | $1,709 | 86% |
| Crofton | $2,003 | $3,694 | $1,691 | 84% |
| Ghent | $2,202 | $4,104 | $1,902 | 86% |
| Louisville | $2,359 | $4,474 | $2,115 | 90% |
| Midway | $2,013 | $3,698 | $1,685 | 84% |
| Milton | $2,281 | $4,279 | $1,998 | 88% |
| Murray | $1,973 | $3,650 | $1,677 | 85% |
| Owensboro | $1,863 | $3,416 | $1,553 | 83% |
| Sturgis | $2,101 | $3,838 | $1,737 | 83% |
| Versailles | $1,920 | $3,513 | $1,593 | 83% |
| Ashland | $1,905 | $3,545 | $1,640 | 86% |
| Bowling Green | $1,987 | $3,696 | $1,709 | 86% |
| Crofton | $2,003 | $3,694 | $1,691 | 84% |
| Ghent | $2,202 | $4,104 | $1,902 | 86% |
| Louisville | $2,359 | $4,474 | $2,115 | 90% |
| Midway | $2,013 | $3,698 | $1,685 | 84% |
| Milton | $2,281 | $4,279 | $1,998 | 88% |
| Murray | $1,973 | $3,650 | $1,677 | 85% |
| Owensboro | $1,863 | $3,416 | $1,553 | 83% |
| Sturgis | $2,101 | $3,838 | $1,737 | 83% |
| Versailles | $1,920 | $3,513 | $1,593 | 83% |
How to get car insurance after a DUI in Kentucky
Insurers will label you as a high-risk driver after a DUI, but that doesn't mean you can't get car insurance. Finding the best fit after a DUI conviction may require a little work.
If you have car insurance and get a DUI, your insurer will probably continue to offer coverage. However, your rates will increase on renewal.
If you need car insurance after a DUI or want to find the lowest rates, shop around for coverage. Compare quotes from multiple insurers to find the most affordable policy in Kentucky since each insurer offers different rates after a DUI.
Kentucky DUI insurance requirements and penalties
A DUI in Kentucky requires you to follow certain rules for high-risk drivers.
A DUI can result in fines, a suspended driver's license, vehicle impoundment, and even jail time. Repeat offenses come with even tougher consequences. You may also be responsible for attorney costs, towing expenses, and impound fees.
The table below outlines Kentucky DUI laws and penalties for first and repeat offenses.
| Increased penalty for high BAC | Administrative license suspension after a first offense | Limited driving privileges during suspension | Ignition interlocks | Open container laws | Repeat offender laws |
|---|---|---|---|---|---|
| 0.15 | 30-120 days | Yes | Mandatory for all convictions | Yes | Yes |
| 0.15 | 30-120 days | Yes | Mandatory for all convictions | Yes | Yes |
*BAC is blood alcohol concentration
How long after a DUI does your insurance go down?
A DUI impacts car insurance rates for at least three years, although the exact duration depends on the state. In some places, such as California, a DUI can influence your rates for up to 10 years.
Drivers in Kentucky can expect elevated car insurance rates after a DUI and expect it to stay on their record for at least 10 years.
Tips to save money after a DUI
A DUI will cost you thousands of dollars in fines, fees, and increased car insurance rates. Fortunately, there are ways to get lower rates after a DUI.
Ways Kentucky drivers can save on car insurance after a DUI include:
- Raise your deductible to lower rates
- Look for car insurance discounts, like multi-policy and vehicle safety feature savings
- Keep your driving record clean going forward
- Take a defensive driving course
- Improve your credit score
- Compare rates from multiple companies
Methodology
We partnered with Quadrant Information Services to field car insurance rates across all 50 states and Washington, D.C.
Unless otherwise indicated, 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
Additional rate data is drawn based on:
- One and two DUI convictions
- Ages ranging from 16 to 75
Learn more about our data and methodology.
Kentucky DUI insurance: Frequently asked questions
How far back do insurance companies look for a DUI?
DUIs can stay on your driving record for up to 10 years, depending on your state. Typically, a DUI stops affecting car insurance rates in three to five years.
Will my insurance drop me after a DUI in Kentucky?
Most insurers won't drop you after one DUI, but rates will increase significantly. However, multiple DUIs may cause your insurer to refuse coverage. The more risk you pose, the more challenging it is to get car insurance.
Compare Kentucky DUI car insurance rates with other states
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