A DUI/DWI conviction, driver’s license suspension or revocation, or related accident or traffic violation may significantly increase a driver’s insurance rate (by an average of 80%)—and two or more DUI/DWI convictions may make it difficult for a driver to acquire the insurance necessary to operate a vehicle.
In Kentucky, a DUI (Driving Under the Influence) or DWI (Driving While Intoxicated) conviction can have a substantial impact on a driver's car insurance rates. Kentucky law considers DUI/DWI as serious traffic violations, and as a result, insurance companies may increase premiums significantly, sometimes by an average of 80% or more, due to the higher risk associated with insuring a driver with such a conviction on their record. Multiple DUI/DWI convictions compound the issue, making it even more challenging for drivers to find affordable insurance. Insurers may deem such drivers as 'high-risk,' which can lead to difficulty in obtaining the necessary insurance to legally operate a vehicle. Additionally, Kentucky imposes driver's license suspensions or revocations for DUI/DWI offenses, which further affects a driver's insurance status and rates. It's important for drivers in Kentucky to understand that these consequences extend beyond legal penalties and can have long-lasting financial implications.