As a resident of Kentucky currently dealing with a driving while intoxicated or driving under the influence charge, you may have very real concerns about the considerable penalties you could face, should a judge or jury convict you. Ultimately, the penalties you can expect to face will vary broadly based on factors such as the results of your breath test and whether it is your first offense. However, you may face jail time, hefty fines and substance abuse treatment obligations, among other possible repercussions.
While the criminal repercussions associated with a Kentucky DWI or DUI charge are no joke, they are not the only penalties you may face that can have a significant impact on how you live your life. Per Insure.com, your auto insurance rates, too, will undoubtedly spike following a DWI or DUI conviction, and this can make it even more difficult to keep up with other fees and obligations relating to your conviction.
A sharp increase in car insurance
So, how much could your insurance company raise your rates following a conviction for DWI or DUI? Currently, Kentucky motorists who do not have DWIs or DUIs on their driving records shell out about $1,611 each year for auto insurance coverage. A DWI or DUI conviction, however, brings this figure up to $2,633 annually, which is an increase of $1,022 every year. In other words, a Kentucky DWI or DUI conviction will typically raise your auto insurance rates by about 63 percent.
In some cases, insurance companies may choose not to insure you at all following this type of conviction. Such circumstances can make it even more difficult to obtain coverage elsewhere, because, in addition to already having a DWI or DUI on your record, a refusal to continue coverage by one insurance company can serve as a red flag for others.
Having to pay so much more for insurance can make it even more difficult to pay other fees and fines relating to your DWI or DUI. It is imperative, however, that anyone facing such a charge fully understand all possible ramifications associated with it.