Six-month cost of standard insurance coverage for a 25-year-old with a clean driving record who drives a 2001 Volkswagen Jetta GLS:

Male

$789

Female

$668

Six-month cost of insurance with one alcohol-related incident on your record:

Male

$1,795

Female

$1,553

Additional coverage cost over the three years it takes for that incident to come off your driving record:

Male

$6,036

Female

$5,310

Source: American Family Insurance

Patrick Kennedy