Find Cheaper Kentucky Car Insurance Rates for Drivers With a DUI

Finding out which companies have the best auto insurance rates for drivers with a DUI will require a little more sweat than just comparing rates from one or two companies. Each auto insurer has a unique approach to set policy rates, so to begin we’ll rank the auto insurance companies with the overall best prices in Kentucky.

It’s a good idea to know that Kentucky auto insurance rates are calculated based on many things that may substantially change the cost of your policy. Simply turning a year older, moving to a different location, or having an at-fault accident can cause premium changes resulting in some rates now being cheaper than others.

Cincinnati Insurance has some of the best car insurance rates in Kentucky at around $1,126 a year. Kentucky Farm Bureau, USAA, Auto-Owners, and Motorists Mutual also make the cut as some of the best Kentucky insurance companies.

As the example above demonstrates, if you currently buy coverage from Kentucky Farm Bureau and switched to Cincinnati Insurance, you may see an annual savings of upwards of $13. Policyholders with USAA might save as much as $97 a year, and Auto-Owners policyholders might reduce prices by as much as $287 a year.

Bear in mind that those rates are averages for all drivers and vehicles and are not factoring in a price increase for drivers with a DUI. So the company that fits your situation best may not even be in the chart above. That’s why you need to get auto insurance quotes using your own driver data and vehicle information.

One of the many factors that determine rate quotes is your zip code in Kentucky. Areas that are more densely populated or have higher claim rates like Louisville, Frankfort, and Saint Matthews are more likely to pay higher prices, whereas areas with lower crime rates and fewer weather claims get the luxury of paying less.

The information below lists the priciest cities in Kentucky for drivers with a DUI in which to purchase auto insurance.

Rate information is estimated as specific Kentucky zip code can lower or raise rates significantly.

The vehicle requiring insurance is probably the largest consideration when consumers are trying to find cheap auto insurance for drivers with a DUI in Kentucky. Vehicles with more horsepower, poor safety features, or a high likelihood of having liability claims will cost substantially more to insure than more economical and safe models.

The information below estimates car insurance premiums for a number of the cheapest automobiles to insure.

Premium data assumes married male driver age 30, two speeding tickets, no at-fault accidents, $1,000 deductibles, and Kentucky minimum liability limits. Discounts applied include homeowner, multi-vehicle, multi-policy, and claim-free. Estimates do not factor in specific location which can modify premiums considerably.

Looking at the data, we can expect cars like the Honda Accord, Honda CR-V, and Ford Escape are most likely going to be some of the cheaper vehicles to insure after getting a DUI. Prices will trend higher because there is more risk for drivers with a DUI, but generally speaking those specific models will tend to have the lowest insurance prices that you are likely to find.

Picking the top insurance company is difficult considering how many choices there are in Kentucky. The ranking data below could help you pick which insurers you want to consider shopping prices with. The ratings below include companies that write coverage in many states, so companies that have a smaller presence are not taken into consideration for the list.

Top 10 Major Auto Insurance Companies in Kentucky Ranked by Claims Service

1. Travelers
2. Allstate
3. Nationwide
4. State Farm
5. Liberty Mutual
6. GEICO
7. American Family
8. Esurance
9. AAA Insurance
10. The Hartford

Top 10 Major Auto Insurance Companies in Kentucky Ranked by A.M. Best Rating

1. Travelers – A++
2. GEICO – A++
3. State Farm – A++
4. USAA – A++
5. Nationwide – A+
6. Allstate – A+
7. The Hartford – A+
8. Progressive – A+
9. Erie Insurance – A+
10. Esurance – A+

How to get discounts on Kentucky auto insurance rates

Insurance providers that sell cheap auto insurance for drivers with a DUI in Kentucky may also give you price discounts that can lower rates by 25% or more if you are eligible for them. The best auto insurance companies and some of the premium reductions they offer include:

• State Farm offers premium reductions for multiple policy, defensive driving training, accident-free, multiple autos, Drive Safe & Save, and safe vehicle.
• Liberty Mutual may have discounts that include new graduate, exclusive group savings, multi-car, multi-policy, preferred payment discount, hybrid vehicle, and newly married.
• American Family policyholders can earn discounts including bundled insurance, accident-free, mySafetyValet, Steer into Savings, and good driver.
• Progressive offers discounts for continuous coverage, multi-policy, online signing, good student, online quote discount, and homeowner.
• Farmers Insurance may offer discounts for multi-car, business and professional, electronic funds transfer, alternative fuel, homeowner, and teen driver.
• Auto-Owners Insurance has savings for anti-lock brakes, mature driver, teen driver, multiple vehicles, and safe vehicle.
• SAFECO discounts include anti-theft, safe driver, bundle discounts, multi-car, and homeowner.

The illustration below shows the comparison of auto insurance rates with and without some available policy discounts. The costs are based on a female driver, two speeding tickets and no accidents, Kentucky state minimum liability limits, full coverage, and $500 deductibles.

The first bar for each age group shows the average annual price with no discounts. The second shows the rates with paid-in-full, vehicle safety, multiple policy, anti-theft, marriage, and continuous coverage discounts applied. When these discounts are applied, the amount saved on auto insurance for drivers with a DUI is 28% or $596.

Progressive, Geico, Allstate, or State Farm: Who is cheapest?

When it comes to car insurance after getting a DUI, the four most popular companies are Progressive, Geico, Allstate, and State Farm. The table below points out price and claims rank as well as some different options that are available.