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How long will a DUI stay on my driving record in Kentucky?
I’m looking for a new insurance policy for my car. Last year, I was convicted of DUI and my insurance premiums went through the roof. How long will it stay on my record?
Andrea Barrett · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
A DUI is a serious offense and often affects your insurance premium. While a DUI conviction stays on your driving record indefinitely unless expunged, it affects your insurance rates for 10 years if you live in
Kentucky
–this is true of most states.Driving under the influence labels you as a higher risk for insurance companies, which means you’re more likely than the average driver to get into an accident and file a claim. As a result, insurance companies hike your premium to compensate for potential future costs.
Other things that can label you as high risk to insurers include:
- Being involved in a serious accident
- Getting speeding tickets, reckless driving charges, or other traffic violations
- Being a new driver or a senior driver
- Driving a high-risk car (sports cars, etc.)
It’s important to compare options with a DUI on your record to ensure you find a good rate. Every insurance company calculates your premium differently based on your driving history, so you will find a big variation in policies. You’ll still be able to find a policy with a DUI on record.
View full answer
- Gregory R.
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