Find Insurance For High-Risk Drivers In Kentucky


WRITTEN BY: Julia Matseikovich

UPDATED: DECEMBER 30, 2022 | 1 MIN READ

Kentucky Insurance companies consider many factors when determining your car insurance rates. Higher-risk drivers are charged higher rates based on the customer’s driving history and sometimes credit score.

If a driver has a history of driving under the influence (DUI) or getting into accidents, they’re likely considered high-risk drivers by insurance companies. Other reasons for being considered high-risk are drivers with poor credit, young drivers, or drivers with expensive cars.

What Is a High-Risk Driver?

Kentucky high-risk drivers often have bad driving records, but that’s not the only reason to be a high-risk driver. Many factors might determine you to be a high-risk driver. They include:

  • Teen drivers or young drivers
  • Are elderly
  • Have poor credit
  • Own a high-powered or exotic vehicle
  • Have allowed your coverage to lapse
  • Have speeding tickets, caught uninsured, at-fault auto accidents, or DUI convictions on your driving record.

High-risk car insurance companies cover drivers with SR-22 insurance, which shows you have sufficient insurance after a violation.

What are the penalties for high-risk drivers in Kentucky?

If you’re a high-risk driver, there are penalties for certain convictions and violations. You will face more than just increased car insurance costs. If you’re convicted of a DUI, you face jail time between 48 hours to 30 days, fines of $200 to $500, a 90-day alcohol abuse program, and up to 120-day suspension of your license.

Best Car Insurance Companies in Kentucky For High-Risk Drivers

There are a few factors that determine whether your insurer considers you high-risk. The most common reason is violations that show up on your driving history.

State Farm is one of the best car insurance companies for high-risk drivers based on customer satisfaction, financial stability, and affordability. USAA comes in second but is only available for military members, and their families.

How much does high-risk car insurance cost?

The cheapest car insurance in Kentucky for drivers with a. clean driving record is $1,379. If you have traffic violations on your record, you’ll pay, on average, $2,240 yearly. USAA has the cheapest car insurance at $1,389. State Farm is next in line at $1,769 annually.

How to get insurance if insurers won’t cover you

If you’re having difficulty finding coverage due to violations on your driving record, check out Kentucky’s assigned risk program. It’s a program for drivers who don’t normally get an insurance policy through traditional insurers.

The assigned risk program is a collective of insurance companies that pool together to take the risk of insuring high-risk drivers. It’s the last resort, and you must prove that you have tried to get insurance coverage before you qualify.

Needing high-risk insurance is only temporary, as serious violations only stay on your record for five years. Most violations only stay on your driving record for three years. If you’re safe and show good driving, your status will change, and you’ll no longer be considered high-risk.

Is uninsured motorist insurance required for Kentucky Drivers?

Kentucky drivers are required to have uninsured motorist insurance coverage. It protects you from other drivers’ lack of coverage by paying for property repairs and medical bills.

What Impact Do Violations Have On Your Record

Different auto insurance rates depend on the violations on your record. Below are examples of different car insurance premiums based on violations on your driving record. 

Traffic violations show up in a few different ways. Traffic violations appear on your Kentucky driving record for up to five years. If an employer does a criminal background check, it shows up as a felony offense or misdemeanor.

What’s the impact of a speeding ticket on car insurance in Kentucky?

Speeding in Kentucky raises your rates by $464 yearly, up to an average per-year price of $2,514. The best way to find the cheapest car insurance rates is to call around for car insurance quotes.

The cheapest rates are with Kentucky Farm Bureau, with an average high-risk auto insurance premium of $1,365 less than the state average. Shelter is the most expensive car insurance after a speeding ticket.

What impact does a distracted driving ticket have on car insurance rates in Kentucky?

You’ll likely pay higher rates if you have a distracted driving violation. Auto insurance rates go up by $371 yearly for distracted driving. That’s 115% more than the national average.

The cheapest car insurance company following a traffic violation for distracted driving in Kentucky is GEICO. They have an average rate of $965 yearly, less than 60% less than the average distracted driving insurance premium.

How does reckless driving in Kentucky impact car insurance rates?

Reckless driving is one of the most serious traffic violations and is an excellent way to pay more for car insurance. Insurers increase rates by $1,072 yearly after reckless driving violations. That’s 52% higher than standard auto insurance rates in Kentucky.

When you’re a high-risk driver, it’s best to shop around to ensure you get the best car insurance quotes. The cheapest carrier for high-risk drivers is GEICO. Progressive is one of the most expensive auto insurance providers at $3,186.

FAQs

Who are the most high-risk drivers in Kentucky?

The most high-risk drivers in Kentucky are inexperienced or have accidents, tickets, DUI convictions, or lapses in coverage. You’ll likely have a more challenging time finding affordable car insurance if you’re not a safe driver.

What do insurance companies consider high risk in Kentucky?

High-risk drivers in Kentucky are those with violations such as DUIs, and speeding tickets. If you have a speeding ticket on your driving record, you’ll pay up to $277 more annually than a safe driver pays.

Is Kentucky a no-fault state for accidents?

Kentucky is a no-fault state because of a law stating that drivers must file a claim first before they get compensation for medical expenses caused by a car accident.

What are the consequences for high-risk drivers in Kentucky?

There are many different penalties for high-risk driving, such as jail time, fines, and license suspension. For example, penalties for racing are fines of $60 and up to $200, suspension of your license for up to 90 days, and jail time of up to 30 days.

Are there any programs that support high-risk drivers in Kentucky?

The assigned risk program is a collective of insurance companies that pool together to take the risk of insuring high-risk drivers. It’s the last resort, and you must prove that you have tried to get insurance coverage before you qualify.

What does Kentucky law say about high-risk drivers?

Kentucky has strict laws about their roads being as safe as possible. There are separate laws for speeding, DUIs, distracted driving, and reckless driving. Following the laws of Kentucky is the best way to keep a clean driving record.

How to Find the Best Rates for High-Risk Kentucky Drivers

Purchasing cheap Kentucky full-coverage car insurance for high-risk drivers through a reputable auto insurance company is simple and easy. Ensuring that you have the proper amount of bodily injury liability coverage, comprehensive coverage, or property damage liability is essential, and obtaining car insurance quotes has never been easier.

If you’re ready to get the cheapest auto insurance, it’s as simple as comparing rates as amounts vary by company. We have a helpful tool to find the best car insurance.