Best Cheap Auto Insurance Quotes for Drivers with a DUI in Kentucky

You have probably seen the commercials from insurers like Liberty Mutual and The General that promise huge savings. So drivers just need to pick one at random, right?

It’s not that simple, unfortunately, as there are a whole bunch of unknowns such as your prior traffic citations, if you own your home, the number of years you have been driving, and if you are a woman or a man, that all help calculate your car insurance rates. This article will detail the best ways to avoid overpriced car insurance and should give you a good beginning to your quest for cheaper car insurance in Kentucky.

Finding cost effective insurance is not most people’s favorite thing to do, and determining which companies have the cheapest car insurance rates for drivers with a DUI calls for even more diligence. Insurance rates will be much more expensive than the average rate in Kentucky attributed to the extra risk that goes along with selling insurance after getting a DUI, but affordable coverage should be attainable if you compare enough rates.

Each auto insurance company uses their own method for filing rates in each state, so we’ll go over the car insurance companies that tend to have lower prices in Kentucky. It’s important to know that Kentucky car insurance rates are impacted by many factors which can substantially decrease or increase the price you pay. That is why Kentucky drivers need to compare lots of rates to find the lowest car insurance quotes for drivers with a DUI. Rates are influenced by many factors and can change substantially, so the lowest-price company six months ago may now be priced much higher than other options.

Lowest Insurance Price Quotes after a DUI

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google.charts.setOnLoadCallback(drawKYT5qcibChart);function drawKYT5qcibChart() {var data = google.visualization.arrayToDataTable([[‘Company’, ‘Rate’, { role: ‘style’ }], [‘Cincinnati Insurance’, 1093, ‘#338FCF’], [‘Kentucky Farm Bureau’, 1174, ‘#2A77AC’], [‘USAA’, 1223, ‘#23638F’], [‘Auto-Owners’, 1399, ‘#1D5277’], [‘Grange Mutual’, 1561, ‘#184463’]]);var options = {title: ‘Cheap Auto Insurance Companies in Kentucky’,titleTextStyle: {color: ‘#333’, fontSize: 17, bold: true},width: ‘100%’,height: 300,’chartArea’: {left:0,top:50,’width’: ‘100%’, ‘height’: ‘70%’},bar: {groupWidth: “90%”},legend: {position: ‘none’},vAxis: {viewWindowMode:’explicit’,viewWindow:{max:1661,min:0}}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});var view = new google.visualization.DataView(data);view.setColumns([0, 1,{ calc: “stringify”,sourceColumn: 1,type: “string”,role: “annotation” },2]);formatter.format(data,1);formatter.format(data,2);var chart = new google.visualization.ColumnChart(document.getElementById(‘qcibt5cic’));chart.draw(view, options);}

Cincinnati Insurance has some of the cheapest car insurance rates in Kentucky at around $1,093 annually. Kentucky Farm Bureau, USAA, Auto-Owners, and Grange Mutual also are some of the lowest-priced Kentucky auto insurance companies.

In this example, if you currently have coverage with Auto-Owners and switched to Kentucky Farm Bureau, you might achieve a yearly savings of upwards of $225. Customers with Grange Mutual might save as much as $387 a year, and Motorists Mutual customers might reduce prices by as much as $443 a year.

Bear in mind that those premiums are averaged for all ages of drivers and types of vehicles and and are not calculated with a price increase for drivers with a DUI. So the insurer that has the cheapest rates for you may not even be in the chart above. That illustrates why you need to compare rates from as many companies as possible using your own specific driver and vehicle information.

One of the many considerations that helps car insurance companies calculate the policy price is where you normally keep your vehicle in Kentucky. Areas with more people or even just a higher incidence of claims like Louisville, Saint Matthews, and Ashland tend to pay higher rates, whereas more rural areas have the luxury of the best cheap car insurance for drivers with a DUI in Kentucky.

The information below illustrates the highest-priced places in Kentucky for drivers with a DUI to buy an auto insurance policy in.

Annual rates are approximated as specific Kentucky garaging address can lower or raise price quotes substantially.

How accidents and violations affect rates

The easiest method to snag the best cheap car insurance for drivers with a DUI in Kentucky is to be an attentive driver and avoid accidents and traffic citations. The chart below demonstrates how traffic citations and at-fault fender-benders raise auto insurance rates for different categories of driver ages. Data assumes a married male driver, full coverage, $100 deductibles, and no discounts are applied.

google.charts.setOnLoadCallback(drawVioqcibChart);function drawVioqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘No Violations or Accidents’, ‘Two Speeding Tickets and No Accidents’, ‘Two Speeding Tickets and One Accident’],[‘Age 20’, 2769,3383,3993],[‘Age 30’, 1459,2071,2681],[‘Age 40’, 1399,2011,2625],[‘Age 50’, 1279,1891,2505],[‘Age 60’, 1255,1869,2481],[‘Age 70’, 1443,2053,2669]]);var options = {title: ‘Effect of Violations and Accidents on Kentucky Auto Insurance Cost’,titleTextStyle: {color: ‘#333’, fontSize: 17, bold: true},width: ‘100%’,height: 600,’chartArea’: {left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},colors:[‘#b2da64′,’#eed355′,’#e39e71’],hAxis: {title: ‘Annual Auto Insurance Cost for Average Vehicle in Kentucky’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);formatter.format(data,3);var chart = new google.visualization.BarChart(document.getElementById(‘qcibvio’));chart.draw(data, options);}

In the previous example, the average cost of an auto insurance policy per year with no accidents or violations is $1,601. Factor in two speeding tickets and the average cost hikes up to $2,213, an increase of $612 each year. Now get one accident along with the two speeding tickets and the annual cost of car insurance for drivers with a DUI jumps again to an average of $2,826. That’s an increase of $1,225, or $102 per month, just for not driving safely!