A Kentucky driving under the influence (DUI) conviction can cost you more than court fines. It can also signal greater risk to insurers, which may lead to higher car insurance premiums. Knowing how your policy may change can help you prepare for higher costs.
Why can your insurance rates increase?
Bankrate’s recent sample rate data estimated that the average full-coverage premium in Kentucky was about 84% higher after a DUI conviction. Your actual increase can vary based on your insurer, driving history, location and other factors insurers consider.
A DUI can affect your policy in several ways:
- Your insurer may raise your premium when it reviews your driving record.
- Your insurer may decide not to renew your policy. Kentucky law requires at least 75 days’ advance notice. The notice must also include or come with the reason for nonrenewal.
- If your license is suspended or revoked, Kentucky law may allow your insurer to cancel an existing policy.
These changes can leave you paying more or searching for new coverage. Higher rates may continue for several years, although the amount and duration vary by insurer and driver.
What can you do if your insurance changes?
If your premium rises or your insurer will not renew your policy, you can compare quotes from other companies. If you are unable to obtain auto insurance in the regular insurance market within 60 days, you may be eligible for the Kentucky Automobile Insurance Plan (KAIP). A licensed insurance agent can submit the application for you. A cancellation or nonrenewal notice must also tell you about your possible eligibility for this coverage. Carefully review any cancellation or nonrenewal notice and avoid a lapse in coverage.
Kentucky generally requires basic personal injury protection (PIP) coverage on vehicles other than motorcycles. If you own an uninsured vehicle and are injured while riding in it, you cannot collect basic PIP benefits.
Prepare for insurance changes after a DUI
Insurance costs are only one financial effect that can follow a DUI conviction. Reviewing changes to your coverage and knowing what Kentucky requires can help you plan for higher costs and avoid gaps in insurance.
If you have questions about how a conviction affects your license or driving privileges, legal guidance can help. An attorney can explain the requirements and deadlines that apply to your case.