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In the US State of Kentucky, drivers can get penalty points or a demerit point, and their driving license can be canceled or suspended. A driving license can be suspended or canceled based on the number of penalty points accumulated by Kentucky State drivers over some time because of the traffic offenses or infringements they committed during that period.
You can contact the Department of Motor Vehicles (DMV) for your State to check your penalty points. To check If Speeding Points Affect Insurance, read our article.
How do Points on a Driver’s License Affect Insurance in Kentucky?
In Kentucdriver’sr’s license points affect insurance premium costs. Based on our case study, Kentucky’s average car insurance premium is $2,596 per year for no violation points. If you get driving penalty points for a fault accident, your insurance premium cost will increase by an average of 46%, which will be $ 3,106 on average. Racing or reckless driving points can grow up to 93% of your insurance premium policy, so these offenses generate an average insurance cost of $4,098 in Iowa.
However, each insurance company has its record ranking system. For the same offenses or penalty points, you can have different insurance premium increases in various companies.
For example, for a same-fault accident in Kentucky, Nationwide Insurance Company can increase the policy by 10%, while Allstate and Progressive Insurance can increase up to 38%.
How long do points stay on your driving record in Kentucky?
Drivers in Kentucky start with 0 points on their license and receive 3 points for minor violations and 6 points for major violations. Your Kentucky driver’s license will be suspended if you accumulate 12 points in 24 months.
How much do 2 points affect insurance in Kentucky?
In Kentucky, on average, 2 penalty points will affect a 5% premium insurance increase. However, while some insurance companies will not increase your car insurance coverage policy, some can increase costs by up to 70%.
How much do 3 points affect insurance in Kentucky?
In Kentucky, on average, 3 penalty points will affect an 8% premium insurance increase. However, while some insurance companies will not increase your car insurance coverage policy, some can increase costs by up to 79%.
How much do 4 points affect insurance in Kentucky?
In Kentucky, four penalty points will affect an average 7% premium insurance increase. However, while some insurance companies will not increase your car insurance coverage policy, some can increase costs up to 100%.
How much do 5 points affect insurance in Kentucky?
In Kentucky, five penalty points will affect an average 8% premium insurance increase. However, while some insurance companies will increase your car insurance coverage policy by just a few percent, some can increase costs up to 100%.
How much do 6 points affect insurance in Kentucky?
In Kentucky, six penalty points will affect an average 10% premium insurance increase. However, while some insurance companies will increase your car insurance coverage policy by just a few percent, some can increase costs up to 100%.
How much do 7 points affect insurance in Kentucky?
In Kentucky, seven penalty points will affect an average 20% premium insurance increase. However, while some insurance companies will increase your car insurance coverage policy by just a few percent, others can increase costs up to 100%.
How much do 8 points affect insurance in Kentucky?
In Kentucky, eight penalty points will affect an average 31% premium insurance increase. However, while some insurance companies will increase your car insurance coverage policy by just a few percent, some can increase costs up to 100%.
The length of a suspension period for any Kentucky license holder
- After reaching at least 12 points (or seven if underage), tdriver’sr’s license will be suspended based on the number of prior suspensions within the last two years.
- No prior suspensions. A driver with no prior suspensions will be suspended for 90 days to six months.
- One prior suspension. A driver with one prior suspension will be suspended for one year.
- Two or more prior suspensions. A driver with at least two prior suspensions will be suspended for two years.
Offense and driving points record in Kentucky
| Violation | Points Assessed |
| Speeding 15 or fewer miles per hour over the limit | 3 |
| Speeding 16 or more miles per hour over the limit | 6 |
| Failure to stop for the school bus | 6 |
| Improper passing | 5 |
| Reckless driving | 4 |
| Driving on the wrong side of the road | 4 |
| Following too closely | 4 |
| Failure to yield to an emergency vehicle | 4 |
| Changing drivers in moving vehicle | 4 |
| Vehicle not under control | 4 |
| Failure to stop at a sign or light | 3 |
| Failure to yield | 3 |
| Wrong way on a one-way street | 3 |
| Driving too fast for the conditions | 3 |
| Driving too slow for the conditions | 3 |
| Careless driving | 3 |
| Improper lane usage | 3 |
| Headlight violation | 3 |
| Texting while driving | 3 |
From 2022.,Jason writes educational insurance articles for Promtinsurance.com.
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