How Much are Car Insurance Quotes for High Risk Drivers in Kentucky?

How Much are Car Insurance Quotes for High Risk Drivers in Kentucky?

Our editors always tell us that when writing about auto insurance, the word cheap should never appear anywhere in the article. It’s just a fact that cheap car insurance for high risk drivers can seem impossible to find. We’ll try to make it up to you, because we are going to tell you how you can still get car insurance that is affordable.

Deciding which company has the lowest-priced auto insurance rates for high risk drivers will require more time in order to find the lowest price.

Every insurance provider uses their own calculation for filing rates in each state, so let’s examine the auto insurance companies with the overall best prices in Kentucky. We do need to point out that Kentucky auto insurance rates are determined by lots of factors that may substantially change the price of coverage. Simply having a birthday, marrying your spouse, or getting caught speeding may cause policy rate changes that can make some companies cheaper than others.

Best Insurance Companies for Risky Drivers

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Kentucky auto insurance company rankings
Rank Company Cost Per Year
1 Cincinnati Insurance $1,093
2 Kentucky Farm Bureau $1,163
3 USAA $1,223
4 Auto-Owners $1,371
5 Motorists Mutual $1,601
6 Grange Mutual $1,625
7 Travelers $1,663
8 Westfield $1,832
9 State Farm $1,867
10 Safe Auto $1,991
11 Nationwide $2,003
12 Progressive $2,140
13 Electric $2,160
14 State Auto $2,254
15 Encompass $2,358
16 GEICO $2,413
17 Safeco $2,709
18 MetLife $3,053
19 Shelter $3,231
20 Liberty Mutual $3,744
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Cincinnati Insurance generally has some of the most affordable car insurance rates in Kentucky at around $1,093 each year. Kentucky Farm Bureau, USAA, Auto-Owners, and Motorists Mutual also rank well as some of the cheapest Kentucky insurance companies.

As the example above demonstrates, if you are a customer of Auto-Owners and switched to Kentucky Farm Bureau, you might achieve a yearly savings of in the vicinity of $208. Insureds with Motorists Mutual could save as much as $438 a year, and Grange Mutual customers might cut rates by $462 a year.

It’s important to note that these estimates are averaged across all drivers and vehicles and and are not figured with a price increase for high risk drivers. So the company that can offer you the best rate may not even be shown in the above list. That is why you need to compare prices as often as possible using your own specific driver information and vehicle.

The make and model of vehicle that is being insured is one of the primary factors when quoting the lowest-priced auto insurance for high risk drivers. Vehicles with average performance, good safety features, or low incidents of liability claims will cost significantly less to insure than higher performance models. The table below outlines insurance rates for a selection of the most economical automobiles to insure.

Cheapest Auto Insurance Rates for High Risk Drivers in Kentucky
Vehicle Insured Estimated Cost for Full Coverage
Chevrolet Traverse LT 2WD $3,011
Honda CR-V LX 4WD $3,025
Ford Escape XLS 2WD $3,050
Toyota Prius $3,197
Hyundai Elantra SE Touring Station Wagon $3,283
Subaru Forester X Limited Edition AWD $3,378
Toyota Tacoma 4WD $3,433
Subaru Outback 2.5I $3,437
Chevrolet Equinox LS 2WD $3,474
Hyundai Santa Fe SE 2WD $3,479
Ford Explorer Eddie Bauer AWD $3,515
Honda Odyssey EX W/Rear Entertainment $3,545
Ford Edge SE AWD $3,568
Chevrolet Malibu LS $3,588
Jeep Grand Cherokee Laredo 2WD $3,593
Toyota Sienna LE AWD $3,588
Ford Fusion S 4-Dr Sedan $3,596
Toyota RAV4 Limited 4WD $3,588
Volkswagen Jetta LE 4-Dr Sedan $3,617
Hyundai Tucson Limited 2WD $3,623
Ford F-150 FX4 Super Cab 4WD $3,664
Dodge Grand Caravan Crew $3,672
Kia Forte SX 4-Dr Sedan $3,664
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Prices based on single male driver age 50, two speeding tickets, two at-fault accidents, $500 deductibles, and Kentucky minimum liability limits. Discounts applied include multi-policy, homeowner, and multi-vehicle. Estimates do not factor in the specific area where the vehicle is garaged which can decrease or increase premium rates substantially.

Looking at the numbers, we can conclude that models like the Chevrolet Traverse, Honda CR-V, and Ford Escape are most likely to be the cheapest vehicles to insure for high risk drivers. The price for an auto insurance policy will tend to be more expensive just because there is a higher risk for high risk drivers, but overall those particular vehicles will most likely have the lowest prices that you’ll find.

One of the many things that control rate quotes is where you keep your vehicle in Kentucky. More densely populated places like Louisville, Jeffersontown, and Saint Matthews are more likely to pay higher prices, whereas areas that tend to be more rural can boast about having cheaper rates.

The next table illustrates the most costly cities in Kentucky for high risk drivers in which to buy car insurance.

How much does auto insurance cost in Kentucky?
Rank City Annual Rate
1 Louisville $2,154
2 Frankfort $1,778
3 Jeffersontown $1,685
4 Ashland $1,656
5 Saint Matthews $1,643
6 Paducah $1,631
7 Madisonville $1,616
8 Murray $1,613
9 Radcliff $1,606
10 Danville $1,596
11 Elizabethtown $1,595
12 Georgetown $1,551
13 Hopkinsville $1,538
14 Richmond $1,535
15 Nicholasville $1,519
16 Henderson $1,511
17 Winchester $1,501
18 Covington $1,487
19 Lexington $1,469
20 Independence $1,466
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Table data uses estimated as specific Kentucky garaging address can modify insurance rates considerably.

Insurance rate increases from tickets or accidents

A great way to score cheap car insurance for high risk drivers in Kentucky is to pay attention while driving and avoid accidents and traffic citations. The illustration below illustrates how traffic citations and at-fault fender-benders can increase insurance prices for different categories of driver ages. Data assumes a single male driver, comp and collision included, $100 deductibles, and no additional discounts are factored in.

In the previous chart, the average cost of an auto insurance policy per year with no violations or accidents is $1,873. Add in one speeding ticket and the average cost surges to $2,108, an increase of $235 each year. Next add two accidents along with the one speeding ticket and the 12-month cost of auto insurance for high risk drivers goes up to an average of $4,089. That’s an increase of $2,216, or $185 per month, just for a couple of infractions!

Get discounts on Kentucky insurance

Cheaper Kentucky auto insurance for high risk driversInsurance companies that offer cheap car insurance for high risk drivers in Kentucky could also offer special discounts that can reduce rates by 25% or more if you can meet the requirements. Larger auto insurance companies and some of the discounts can be found below.

Auto Insurance Discounts for Popular Insurers
Discount Progressive Allstate Geico State Farm Liberty Mutual Nationwide Farmers
Bundled policies Yes Yes Yes Yes Yes Yes Yes
Multiple vehicles Yes No Yes Yes Yes Yes Yes
Theft prevention Yes Yes Yes Yes Yes Yes Yes
Safe vehicle No Yes Yes Yes Yes No No
Passive restraint No Yes Yes Yes Yes Yes Yes
Running lights No No Yes Yes No No Yes
Newer vehicle No Yes No Yes No Yes Yes
Eco vehicle No Yes No No Yes No Yes
Safe driver Yes Yes Yes Yes No Yes Yes
Defensive driver Yes Yes Yes Yes No Yes Yes
Armed forces Yes No Yes Yes No No Yes
Affinity/occupation No No Yes No Yes Yes Yes
Pay in full Yes Yes Yes No Yes Yes Yes
Auto-pay Yes Yes Yes No Yes Yes Yes
Loyalty Yes No No Yes No Yes Yes
Early signing No Yes No No No Yes Yes
Smart student Yes Yes Yes Yes Yes Yes Yes
Student at college Yes Yes No Yes Yes Yes Yes
Homeowner Yes No No No No No Yes
Seat belt use No No Yes No No No No
Online rate quote Yes No No No No No No
Teen driver Yes No No No Yes No No
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The chart below illustrates the comparison of auto insurance costs with and without discounts being applied to the rates. The information is based on a female driver, one accident and three citations, Kentucky state minimum liability limits, comp and collision included, and $100 deductibles. The first bar for each age group shows the price with no discounts. The lower bar shows the rates with paid-in-full, vehicle safety, anti-theft, paperless filing, multiple vehicle, and passive restraint discounts applied. When discounts are factored in, the the amount saved on auto insurance for high risk drivers is % or $.