Commercial Insurance Business Owners Policy (BOP) Commercial Auto Commercial Flood Commercial Property Commercial Umbrella Data Breach Directors & Officers (D&O) Employment Practices Liability Environmental - Pollution Liability General Liability Product Liability Professional Liability (E&O) Workers Comp Personal Insurance

Progressive DUI Insurance Kentucky

After a DUI/DWI conviction in Kentucky, it is important to understand the potential impact on your car insurance premiums. Being convicted of driving under the influence is considered a major violation and places you in the high-risk category for insurance companies. As a result, you can expect a significant increase in your car insurance premiums.

What Are the Costs of Kentucky Car Insurance After a DUI/DWI?

The exact amount of the increase will depend on factors such as the insurance company’s policies, your driving history, and the details of your DUI/DWI offense. Generally, insurance premiums can double or even triple after a DUI/DWI conviction.

In addition to higher premiums, individuals convicted of a DUI/DWI in Kentucky are required to obtain an SR-22 certificate, which may come with additional fees.

Mitigating the Impact on Your Car Insurance Premiums

Mitigating the impact of a DUI/DWI conviction on your car insurance premiums in Kentucky is possible with some proactive steps. While a DUI/DWI conviction will inevitably lead to higher premiums, there are strategies you can employ to potentially reduce the impact:

Shop Around

It’s essential to compare rates from multiple insurance providers. Different companies have varying underwriting guidelines and rating systems, which means rates can vary significantly. 

Defensive Driving Courses

Completing a defensive driving course can demonstrate your commitment to safe driving. Some insurance companies offer discounts to individuals who have successfully completed such courses. 

Consider Higher Deductibles

Increasing your deductible, the amount you pay out of pocket before insurance coverage kicks in can help reduce your premiums. However, it’s important to ensure that you can comfortably afford the higher deductible in the event of an accident.

Get the Right Coverage After a DUI/DWI

Working with an experienced insurance agent who specializes in high-risk drivers can be invaluable. They can provide personalized advice, help you navigate the insurance landscape, and identify options that best suit your needs and budget.

Get a quote from EKinsurance, and do not worry about tomorrow.

Scroll to Top