The words “bargain” and “insurance” probably shouldn’t be used together, in particular when you are shopping around for the cheapest car insurance for drivers with a DUI. Let’s open your eyes to some situations that significantly impact auto insurance premiums, and find out if you can shave a little off the next policy you buy.
Locating budget insurance is hard enough, and figuring out which companies quote the most affordable insurance rates for drivers with a DUI may require even more work.
Every insurance company uses a slightly different approach to determine premium rates, so we’ll take a look at the most budget-friendly insurance companies in Lexington, KY.
Cheapest Insurance Rates after a DUI
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | Cincinnati Insurance | $1,093 |
| 2 | Kentucky Farm Bureau | $1,128 |
| 3 | USAA | $1,223 |
| 4 | Auto-Owners | $1,413 |
| 5 | Grange Mutual | $1,561 |
| 6 | Motorists Mutual | $1,601 |
| 7 | Travelers | $1,680 |
| 8 | State Farm | $1,848 |
| 9 | Westfield | $1,870 |
| 10 | Safe Auto | $1,972 |
| 11 | Electric | $2,076 |
| 12 | Nationwide | $2,085 |
| 13 | Progressive | $2,119 |
| 14 | State Auto | $2,166 |
| 15 | Encompass | $2,358 |
| 16 | GEICO | $2,365 |
| 17 | Safeco | $2,709 |
| 18 | MetLife | $3,053 |
| 19 | Shelter | $3,263 |
| 20 | Liberty Mutual | $3,744 |
| Get Personalized Rates Go | ||
Cincinnati Insurance has some of the cheapest car insurance rates in Lexington at around $1,093 each year. This is $1,050 less than the average price paid by Kentucky drivers of $2,143. Kentucky Farm Bureau, USAA, Auto-Owners, and Grange Mutual would also be considered some of the cheaper Lexington, KY insurance companies.
As depicted above, if you are a customer of Kentucky Farm Bureau and switched to Cincinnati Insurance, you might achieve annual savings of in the neighborhood of $35. Kentucky drivers with USAA may save as much as $130 a year, and Auto-Owners policyholders might reduce rates by $320 a year.
Be aware that those policy prices are averages across all types of insureds and vehicles and and are not calculated with an exact vehicle garaging location for drivers with a DUI. So the auto insurance company that is best for you may not even be in the top 21 companies shown above. That helps illustrate why you need to get rate quotes from many companies using your own personalized driver profile and vehicle information.
After getting a DUI, one of the big things that determine the annual cost of car insurance is where your car is garaged in Lexington. Regions with larger populations or more claims are more likely to pay higher prices, whereas areas with lower crime rates and fewer weather claims have the luxury of cheap car insurance rates.
The illustration below sorts the highest-priced areas in Kentucky for drivers with a DUI to buy an auto insurance policy in. Lexington comes in at #20 with an annual premium of $1,469 for car insurance, which is around $122 each month.
| Rank | City | Annual Premium |
|---|---|---|
| 1 | Louisville | $2,154 |
| 2 | Frankfort | $1,742 |
| 3 | Jeffersontown | $1,736 |
| 4 | Saint Matthews | $1,711 |
| 5 | Ashland | $1,673 |
| 6 | Madisonville | $1,616 |
| 7 | Murray | $1,613 |
| 8 | Radcliff | $1,606 |
| 9 | Paducah | $1,599 |
| 10 | Elizabethtown | $1,595 |
| 11 | Winchester | $1,547 |
| 12 | Danville | $1,534 |
| 13 | Richmond | $1,520 |
| 14 | Henderson | $1,511 |
| 15 | Georgetown | $1,506 |
| 16 | Covington | $1,487 |
| 17 | Independence | $1,480 |
| 18 | Hopkinsville | $1,478 |
| 19 | Nicholasville | $1,474 |
| 20 | Lexington | $1,469 |
| 21 | Erlanger | $1,463 |
| 22 | Bowling Green | $1,461 |
| 23 | Fort Thomas | $1,440 |
| 24 | Owensboro | $1,432 |
| 25 | Florence | $1,427 |
| Compare Rates Now Go | ||
Information shown are comparative as specific location information can influence prices noticeably.
The vehicle model driven is a significant factor when shopping around for cheaper auto insurance for drivers with a DUI. Vehicles with higher performance characteristics, a lack of modern safety features, or a high likelihood of having liability claims will cost quite a bit more to insure than more economical and safe models.
The table below showcases auto insurance costs for the most economical automobiles to buy coverage for.
| Insured Vehicle | Estimated Cost for Full Coverage |
|---|---|
| Ford Escape XLS 2WD | $1,181 |
| Jeep Wrangler Sport 4WD 2-Dr | $1,214 |
| Honda CR-V EX-L 4WD | $1,284 |
| Dodge Grand Caravan Hero | $1,395 |
| Toyota RAV4 Limited 2WD | $1,401 |
| Ford Explorer Eddie Bauer 2WD | $1,405 |
| Toyota Tacoma 4WD | $1,414 |
| Toyota Prius | $1,425 |
| Ford F-150 XLT Super Cab 2WD | $1,448 |
| Honda Odyssey EX-L W/Rear Entertainment | $1,472 |
| Chevrolet Equinox LT AWD | $1,489 |
| Toyota Camry LE | $1,495 |
| Hyundai Sonata GLS 4-Dr Sedan | $1,491 |
| Jeep Grand Cherokee Limited 4WD | $1,499 |
| Volkswagen Jetta S 4-Dr Sedan | $1,524 |
| Chevrolet Malibu Hybrid | $1,531 |
| Hyundai Elantra Blue 4-Dr Sedan | $1,544 |
| Start Your Quote Go | |
Data assumes single male driver age 40, 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. Rate quotes do not factor in garaging location in Lexington, KY which can change rates significantly.
Based on these rates, we can expect models like the Ford Escape, Jeep Wrangler, and Honda CR-V will definitely be the more affordable vehicles to insure after getting a DUI. Car insurance rates will tend to be higher because there is a higher risk for drivers with a DUI, but in general those vehicles will have the lowest insurance rates available.
Types of discounts on Lexington insurance rates
Car insurance companies that provide policies for drivers with a DUI may additionally offer policy discounts that may potentially lower prices by as much as 35% if you meet specific criteria. A few popular companies and a partial list of their discounts are:
- State Farm may offer discounts for passive restraint, multiple autos, good student, Drive Safe & Save, safe vehicle, and defensive driving training.
- Farmers Insurance discounts include pay in full, alternative fuel, switch companies, distant student, youthful driver, and teen driver.
- GEICO offers premium reductions for multi-vehicle, daytime running lights, anti-lock brakes, five-year accident-free, and membership and employees.
- American Family has savings for multi-vehicle, mySafetyValet, TimeAway discount, good student, early bird, and bundled insurance.
- Nationwide includes discounts for family plan, multi-policy, business or organization, anti-theft, and good student.
- Progressive offers discounts including good student, continuous coverage, online quote discount, multi-policy, multi-vehicle, and online signing.
The chart below shows the difference between insurance prices with and without discounts applied to the rates. The data assumes a male driver, one violation and no accidents, Kentucky state minimum liability limits, full coverage, and $1,000 deductibles. The first bar for each age group shows insurance cost with no discounts. The second bar shows the rates with anti-theft, multiple vehicle, paid-in-full, homeowner, paperless filing, and vehicle safety discounts applied. In this example, theamount saved on insurance for drivers with a DUI is 28% or $586.
The example below highlights how deductible selection can increase or decrease insurance costs when researching cheap insurance for drivers with a DUI. The data assumes a married male driver, comp and collision included, and no additional discounts are factored in.
The chart above illustrates that a 50-year-old driver could lower their policy premium by $306 a year by switching the physical damage coverage from a $100 deductible to a $500 deductible, or save $462 by choosing a $1,000 deductible. Young drivers, such as the Age 20 example, can save up to $1,034 or even more just by choosing larger deductibles.
If you do make the decision to raise your deductibles, it is essential to have additional funds squirreled away to allow you to cover the extra out-of-pocket expense, which is the one inconvenience of using high deductibles.
Full coverage or liability only
Paying a lower price for insurance is probably important to the majority of drivers, and one of the fastest ways to find cheap insurance for drivers with a DUI is to not buy comprehensive and collision coverage. The chart below shows the comparison of car insurance rates with full physical damage coverage compared to only buying liability only. The rates are based on no accidents, no driving violations, $250 deductibles, drivers are not married, and no discounts are taken into consideration.
As an overall average, comprehensive and collision coverage on your policy costs an additional $2,293 per year more than just insuring for liability. Many of you may wonder if buying full coverage is a waste of money. There isn’t a steadfast formula that is best for determining when to drop full coverage, but there is a general guideline you can use. If the yearly cost of comp and collision coverage is more than 10% of the replacement cost minus the deductible, then it might be time to consider dropping full coverage.
For example, let’s pretend your vehicle’s settlement value is $11,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled, the most your company will settle for is $10,000 after you pay the deductible. If it’s costing in excess of $1,000 a year for physical damage coverage, then it’s probably a good time to buy liability coverage only.
If you like to get some professional input when shopping for cheaper insurance for drivers with a DUI, the agents listed below are willing to help you determine which car insurance company is the best fit.
To find a Lexington insurance agency in your neighborhood, click the link after the list or click here to compare rates now.
Howard Shelton State Farm
2614 Richmond Road – Lexington, KY 40509 – (859) 266-6640
Dawn Stice – State Farm Insurance Agent
121 Prosperous Pl Ste 11A – Lexington, KY 40509 – (859) 271-2277
Cambridge Insurance
2300 Regency Road – Lexington, KY 40503 – (859) 252-0381
Energy Insurance Inc
3008 Atkinson Ave – Lexington, KY 40509 – (859) 273-1549
View more Lexington, KY insurance agents
How to find low-cost car insurance for drivers with a DUI
Below you’ll find many thrifty solutions that can help you quote cheap car insurance.
- Drive safe vehicles
- Accident-free drivers may qualify for discounts
- Raise physical damage deductibles
- Increase your credit rating
- Avoid getting citations and tickets
- Shop your coverage around for the best deal
The last idea is extraordinarily necessary, as was affirmed in the prior article. Coverage prices in Lexington can be modified anytime, so don’t hesitate to buy from a different company if a cheaper rate is available.
Having brand loyalty is commendable, but it’s not recommended if that faithfulness ends up costing you lots of hard earned cash every month. Take a few minutes and compare prices to find cheaper insurance for drivers with a DUI.