A conviction for driving under the influence of alcohol costs a considerable sum in Kentucky after factoring in fees, license reinstatement costs and similar expenses. It also leads to a sharp increase in auto insurance rates. The average Kentucky driver who receives a first-time DUI conviction watches his or her insurance premiums increase by more than 60%, making it difficult to find affordable coverage. 

According to Insure.com, some automotive insurance providers prefer not to extend coverage to drivers who have DUI convictions out of fear they may re-offend. If your current insurance provider raises your rates to the point where they become unmanageable, it may benefit you to shop other providers with the hope of finding a better rate. How much more should you plan to pay for car insurance after your first Kentucky DUI? 

A substantial yearly increase 

If you had an otherwise typical driving history before your DUI, you may have paid close to what the average Kentucky driver does for annual automotive insurance coverage, which is about $1,611. After your first DUI, this figure increases by an average of 63%, leaving you with a $2,633 annual auto insurance bill. Any subsequent DUI convictions should increase insurance rates even further provided you regain the right to drive again. 

A long-term DUI-related expense 

In Kentucky, a DUI remains on your criminal record for 10 years, but it only stays on your driving record for five years. In most cases, you should expect to pay the higher automotive insurance premium for as long as the DUI remains on your driving record.