Finding car insurance in Kentucky after a DUI

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In Kentucky, adult drivers with a breath or blood alcohol content (BAC) of 0.08 or higher are considered to be driving under the influence (DUI). Younger drivers have more stringent rules — someone under the age of 21 with a BAC of 0.02 could be charged with a DUI or DWI in Kentucky. If you are convicted of a DUI, you will likely be facing penalties and higher costs for insurance. The average increase in auto insurance premiums after a DUI Kentucky is 93%, meaning that you could pay nearly double for insurance than you were paying prior to your conviction.

Understanding the DUI laws in Kentucky and how a DUI conviction could affect your insurance might help you to set realistic expectations and make more educated decisions about your car insurance. Bankrate’s insurance editorial team has partnered with Quadrant Information Services to obtain premium information before and after DUIs in Kentucky and nationally, as well as average rates from several major Kentucky auto insurance providers.

DUI laws in Kentucky

In 2019, there were 10,142 DUI-related fatalities across the United States. Drinking and driving is a serious offense in most states, and Kentucky is no different.

If you are convicted of a DUI in Kentucky, you will likely be fined between $200 and $1,000, depending on your age and if it is your first offense. You could also face jail time, license suspension, community service and alcohol or substance abuse treatment.

There are certain “aggravating circumstances” that could add additional penalties to your conviction. Some of the circumstances include:

  • Driving over 30 mph or more above the speed limit
  • Having a BAC of 0.15 or more within two hours of operating a vehicle
  • Refusing to submit to a sobriety test
  • Driving the wrong way on certain roads
  • Driving with children under the age of 12 in the vehicle
  • Causing a crash that leads to serious injury or death

The penalties for a DUI conviction may depend on the individual circumstances of your offense. Staying sober behind the wheel is the best way to avoid these penalties.

How a DUI affects your car insurance in Kentucky

Car insurance companies determine premiums partly based on the likelihood that a driver will file a claim in the future. If you have a DUI on your record, you are likely considered a high-risk driver. To make up for the added risk, insurance companies charge higher premiums.

If you already have an insurance policy, your company may choose to cancel or nonrenew your coverage after a DUI conviction. Not all insurance companies insure high-risk drivers, and even if your company maintains your policy you will likely be facing a steep premium increase. The table below shows the average annual full coverage premiums both nationally and in Kentucky before and after a DUI.

Pre-DUI Post DUI Percent increase
Kentucky $2,128 $4,098 +93%
National average $1,674 $3,336 +99%

Finding car insurance after a DUI in Kentucky

If you have been convicted of a DUI, finding car insurance may require a bit more research, but it is still possible. Shopping your policy to several different carriers may help you find coverage that fits your budget. Each company has a different rating algorithm and some may be more forgiving of DUI convictions than others.

The table below shows the average annual full coverage premium after a DUI from several major providers.

Car insurance company Average annual premium after a DUI
Progressive $2,067
USAA $2,126
State Farm $2,481
Geico $3,227
Nationwide $3,368

Although price may be an important factor when searching for insurance after a DUI, considering that your premium will likely be higher than it was before your conviction, premium is not the only factor to consider. You may still want to review coverages, discounts and third-party rankings for the companies you get quotes from. Talking to a licensed agent could help you to choose insurance that will help to protect your finances and that fits your budget.

Frequently asked questions

How will a DUI in Kentucky impact my criminal record?

DUIs are considered criminal offenses in Kentucky. If convicted, you will likely face fines, license suspension, mandatory community service, alcohol abuse or substance abuse treatment and potentially jail time.

Will my car insurance go up after a DUI?

Insurance companies view a DWI or DUI conviction as high-risk behavior that could lead to fatalities and expensive car insurance claims in the future. If you were convicted of a DUI, your car insurance will most likely increase in price to reflect your high-risk driver status. Bankrate’s findings indicate that the average annual premium increase after a DUI in Kentucky is 93%.

What are the cheapest car insurance companies after a Kentucky DUI?

There are several car insurance companies that offer cheap average rates in Kentucky. However, if you have a DUI or DWI conviction, you may not be eligible for coverage with some companies and your premium may be higher than the average price. Getting quotes from several companies who will insure high-risk drivers may help you find cheaper car insurance coverage.

Methodology

Bankrate utilizes Quadrant Information Services to analyze 2021 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:

  • $100,000 bodily injury liability per person
  • $300,000 bodily injury liability per accident
  • $50,000 property damage liability per accident
  • $100,000 uninsured motorist bodily injury per person
  • $300,000 uninsured motorist bodily injury per accident
  • $500 collision deductible
  • $500 comprehensive deductible

To determine minimum coverage limits, Bankrate used minimum coverages that meet each state’s requirements. Our base profile drivers own a 2019 Toyota Camry, commute five days a week and drive 12,000 miles annually.

These are sample rates and should only be used for comparative purposes.

Incident: Rates were calculated by evaluating our base profile with the following incidents applied: clean record (base), at-fault accident, single speeding ticket, single DUI conviction and lapse in coverage.

Written by
Cynthia Paez Bowman
Personal Finance Contributor
Cynthia Paez Bowman is a finance, real estate and international business journalist. Besides Bankrate.com, her work has been featured in Business Jet Traveler, MSN, CheatSheet.com, Freshome.com and SimpleDollar.com. She owns and operates a small digital marketing and public relations firm that works with select startups and women-owned businesses to provide growth and visibility. Cynthia splits her time between Los Angeles, CA and San Sebastian, Spain. She travels to Africa and the Middle East regularly to consult with women’s NGOs about small business development.
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