What is the effect of a DUI conviction on vehicle insurance in Kentucky?

A DUI conviction significantly impacts vehicle insurance in Kentucky. When a driver is convicted of DUI, insurers are likely to view this as a high-risk behavior, which typically results in increased premiums to account for the increased risk they are taking on. Some insurance companies may even decide to cancel the policy altogether or refuse to renew it, particularly if the driver has multiple offenses or other incidents on their driving record.

In contrast, the other options do not accurately reflect the consequences of a DUI conviction. A conviction certainly has an effect, contradicting the notion that it has no effect at all. It definitely does not ensure lower premiums or make policy approval easier; in fact, the opposite is true. Insurers often scrutinize applicants with such convictions more closely and may impose harsher terms or deny coverage based on their assessment of risk.