The vehicle model you are seeking coverage for is one of the primary factors when comparing quotes for the lowest-priced auto insurance for drivers with a DUI. Vehicles with higher performance characteristics, poor passenger safety features, or a history of substantial liability claims will cost substantially more to insure than safer, lower-performance models. The list below features coverage prices for the most cost-effective vehicles to insure in Kentucky.
|Vehicle Insured||Estimated Cost for Full Coverage|
|Honda CR-V EX-L 4WD||$2,729|
|Jeep Wrangler Sport 4WD 2-Dr||$2,741|
|Ford Escape XLT 4WD||$2,979|
|Ford Explorer Eddie Bauer 2WD||$2,982|
|Ford Edge SEL 2WD||$3,096|
|Ford Focus S 4-Dr Sedan||$3,101|
|GMC Sierra SL Extended Cab 2WD||$3,158|
|Chevrolet Equinox LT AWD||$3,166|
|Ford Fusion S 4-Dr Sedan||$3,158|
|Honda Civic LX 4-Dr Sedan||$3,272|
|Honda Odyssey EX-L W/Rear Entertainment||$3,334|
|Hyundai Elantra GLS 4-Dr Sedan||$3,343|
|Kia Optima LX||$3,383|
|Toyota RAV4 Sport 4WD||$3,438|
|Chevrolet Impala LT||$3,444|
|Ford F-150 Lariat Crew Cab 2WD||$3,512|
|Dodge Grand Caravan SXT||$3,522|
|Toyota Tacoma Double Cab TRD Off-Road Package 4WD||$3,512|
|Chevrolet Malibu LT||$3,517|
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Cost estimates assume single male driver age 50, two speeding tickets, no at-fault accidents, $1,000 deductibles, and Kentucky minimum liability limits. Discounts applied include claim-free, multi-policy, homeowner, and multi-vehicle. Rate information does not factor in vehicle location which can lower or raise prices considerably.
Looking at the data, you can see that makes and models like the Honda CR-V, Jeep Wrangler, Toyota Prius, and Ford Escape will definitely be the most economical vehicles to insure after getting a DUI. Car insurance rates will trend higher just because there is more claim exposure for drivers with a DUI, but overall those specific models will tend to have the cheapest car insurance rates available.
One of the many criteria that aid in calculating the price you pay for insurance is where you live. More densely populated places tend to pay slightly more, whereas areas that tend to be more rural have the luxury of cheap car insurance rates.
The next table shows the highest-priced areas in Kentucky for drivers with a DUI to buy car insurance in. Louisville is listed at #1 having an annual price of $2,112 for the average insured, which is approximately $176 per month.
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Rate information is approximated as the garaging address in Louisville can impact premiums substantially.
The chart below illustrates how your deductible choice can change insurance costs when researching cheap insurance for drivers with a DUI. Data assumes a single female driver, comp and collision included, and no discounts are applied.
In the chart above, a 30-year-old driver could reduce rates by $296 a year by switching from a $100 deductible up to a $500 deductible, or save $446 by using a $1,000 deductible. Younger drivers, such as the 20-year-old example, could potentially save up to $656 each year by choosing a larger deductible amount.
If you do decide to increase your deductibles, it’s a good idea to have enough spare savings to enable you to pay the extra out-of-pocket expense. That is the one drawback of using higher deductibles.
Impact of speeding/accidents on Louisville insurance rates
A great way to maintain the most affordable insurance premiums in Kentucky after getting a DUI is to drive attentively and avoid getting tickets or having accidents. The illustration below demonstrates how traffic citations and at-fault collisions can increase yearly insurance costs for different ages of insureds. The premiums are based on a married female driver, comprehensive and collision coverage, $250 deductibles, and no other discounts are factored in.
In the example above, the average cost of auto insurance in Louisville per year with no violations or accidents is $1,325. Get one speeding ticket and the average cost swells to $1,542, an increase of $217 each year. Next add two accidents along with the one speeding ticket and the annual cost of insurance for drivers with a DUI increases to an average of $3,415. That’s an increase of $2,090, or $174 per month, just for not driving safely!
Can you find cheaper Louisville car insurance?
Louisville, KY insurance rates are calculated based on many things that will increase or decrease the price of your policy. Improving your credit score, buying a different vehicle, or getting a few speeding tickets may prompt premium changes resulting in some companies being cheaper than before. And not only may your rating factors change, but car insurance companies modify rates every year to help ensure profitability. Significantly higher losses can cause more expensive prices, while a lower level of claims can result in cheaper Louisville car insurance rates.
To help illustrate this point, the graph below shows rates for the cheapest car insurance in Louisville, KY for a 45-year-old male driver with no accidents, a clean driving record, and great credit. If we compare prices based on his current rating profile, Cincinnati Insurance may offer the best car insurance rates in Louisville at $1,719 annually. This is $424 less than the average policy premium paid by Kentucky drivers of $2,143. Kentucky Farm Bureau, USAA, Auto-Owners, and Motorists Mutual are also included in the cheapest Louisville, KY auto insurance companies.
Now we will pretend the driver from the first rate comparison a couple of claims, bad credit, and a stop sign violation. Due to the fact that every auto insurer uses their own method to set premium rates, analyzing rate quotes could now result in a completely different list of the cheapest car insurance companies in Louisville as shown below.
Kentucky Farm Bureau now has the cheapest price in Louisville with USAA, Travelers, State Farm, and Westfield now being in the top five. This illustrates why Louisville drivers need to compare as many rates as possible when trying to get the lowest auto insurance rates for drivers with a DUI. Insurance rates can be determined by many different factors and can decrease or increase without notice, so the best price three years ago may now not even be in the top five.
Ideas to find low-cost insurance for drivers with a DUI
Here are some of the better penny-pinching ideas that can help you find cheap coverage.
- Do not get into accidents
- Earn a discount by not filing claims
- Save money by bundling your home and auto policies
- You will pay more if you get tickets or have at-fault accidents
- Buy vehicles with five-star safety ratings
- Compare rates regularly to ensure the best deal
That last piece of advice is remarkably crucial, as was pointed out in this piece. Car insurance rates in Louisville can be modified anytime, so you should be ready to switch companies if you find a cheaper price.
Many drivers have brand loyalty and that’s fine, but it isn’t a good idea if that dedication is costing lots of money. If you have a few minutes, now is a great time to shop around to find cheaper auto insurance for drivers with a DUI.
If you wish to have the advice of a professional agent when trying to find lower insurance rates after getting a DUI, the agents listed below can help you determine which auto insurance coverages would be the best in your situation. To find an auto insurance agency using an interactive map, click the link after the list.
- Tracy Blair Haus State Farm Insurance Agency
11501 Main St – Louisville, KY 40243 – (502) 244-0271
- Louisville Kentucky Insurance
4500 Dixie Hwy – Louisville, KY 40216 – (502) 447-3711
- Rudy Scheynost – State Farm Insurance Agent
7619 Dixie Hwy – Louisville, KY 40258 – (502) 937-5256