Illinois DUI and insurance: How much does a DUI raise your insurance?

Does a DUI raise car insurance rates in Illinois?

Illinois car insurance averages $1,532 with a clean driving record. However, average car insurance rates after a DUI increase to $2,604, which is $1,072 more.

Car insurance companies charge much higher rates if you are proven to be a risky driver. If you have multiple DUIs, average rates dramatically increase to $3,716.

How much does a DUI raise your insurance in Illinois?

The cheapest insurer after a DUI is Progressive, with rates averaging $1,728. The next cheapest insurer is State Farm a difference of $13 from Progressive. Travelers has the third-most affordable car insurance rates with a DUI.

Driving under the influence is not only dangerous but also costly. You'll deal with massive fines and higher car insurance premiums for several years. Each insurer evaluates a DUI differently and sets its own rates, so it's important to compare quotes from multiple companies.

This table displays average car insurance rates for a driver with a DUI in Illinois.

Company	Annual premium for clean records	Annual premium after a DUI	Annual premium after multiple DUIs
Progressive	$1,412	$1,728	$2,629
State Farm	$1,633	$1,741	$1,741
Travelers	$1,119	$1,759	$2,541
Auto Club Group - ACG (AAA)	$979	$2,090	$3,334
Erie Insurance	$1,489	$2,382	$3,115
GEICO	$1,178	$2,657	$3,532
Auto-Owners	$1,426	$2,738	$5,887
Allstate	$2,742	$4,343	$5,946
USAA	$1,745	$3,727	$4,595

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PEOPLE ASK:

What happens when you get a DUI in Illinois?

If you're convicted of a DUI in Illinois, consequences are severe. For a first offense, you'll face fines and fees. Your car may also be impounded, your driver's license suspended, car insurance rates will increase, and the DUI will stay on your record for 12 years.

If someone gets a DUI in your car, does it go on your insurance?

Typically, the insurance follows the car, not the driver, so your car insurance won't increase since the DUI won't be on your driving record.

However, your rates may increase if your vehicle is involved in an accident due to a DUI. Additionally, your car can be declared a crime scene after an accident, so you won't have access to your vehicle until the police are ready.

How long does a DUI affect your insurance in Illinois?

Even though a DUI may remain on your driving record for life, it won't affect your insurance rates forever. In Illinois, a DUI impacts car insurance and stays on your record for 12 years. Your premiums should begin to decrease after a few years of keeping a clean driving record without further violations.

PEOPLE ASK:

Will I have difficulty getting car insurance after a DUI?

It may be more challenging to find affordable car insurance after a DUI, especially if you have multiple convictions. However, if you already have car insurance, your insurer will likely continue your coverage. Since insurance rates will increase after a DUI, you may consider shopping for new coverage to compare rates.

How much does a DUI raise insurance by age group?

Younger drivers pay higher insurance rates than mature drivers since they lack experience behind the wheel. While a DUI increases rates significantly, younger driver's car insurance rates skyrocket after a conviction. The average cost of car insurance for a teen with a DUI is $4,443.

Here are the most affordable insurers after a DUI by age:

For teens: Erie Insurance offers the lowest rate at $4,443.
For young adults: Travelers provides the cheapest coverage for young adults at $1,927.
For adults: Progressive is the most affordable option, with an average rate of $1,728.
For seniors: State Farm offers the lowest average rate at $1,566.

This table illustrates how a DUI impacts car insurance rates across different age groups.

Company	Annual premium for clean record	Annual premium after a DUI	Dollar increase	% Increase
Erie Insurance	$3,105	$4,443	$1,338	43%
Travelers	$3,199	$4,686	$1,487	46%
State Farm	$4,413	$4,743	$330	7%
Progressive	$4,540	$4,997	$457	10%
GEICO	$3,686	$6,745	$3,059	83%
Auto-Owners	$3,386	$7,119	$3,733	110%
Auto Club Group - ACG (AAA)	$3,002	$7,380	$4,378	146%
Allstate	$6,893	$11,326	$4,433	64%
Erie Insurance	$3,105	$4,443	$1,338	43%
Travelers	$3,199	$4,686	$1,487	46%
State Farm	$4,413	$4,743	$330	7%
Progressive	$4,540	$4,997	$457	10%
GEICO	$3,686	$6,745	$3,059	83%
Auto-Owners	$3,386	$7,119	$3,733	110%
Auto Club Group - ACG (AAA)	$3,002	$7,380	$4,378	146%
Allstate	$6,893	$11,326	$4,433	64%
USAA	$5,715	$10,314	$4,599	80%
USAA	$5,715	$10,314	$4,599	80%

How much does a DUI raise your insurance in your city?

The most affordable city in Illinois for car insurance after a DUI is Bloomington, while the most expensive is Chicago, with an average premiumThe payment required for an insurance policy to remain in force. Auto insurance premiums are quoted for either 6-month or annual policy periods. of $3,365. Where you live affects your insurance costs even without a DUI. Drivers in areas with higher traffic or higher rates of vehicle theft pay more because their cars face a greater risk. A DUI then pushes those already high rates even higher.

This table lists the average car insurance rates after a DUI by city. Compare prices in major cities and rural areas to understand how your location influences your rates.

City	Annual premium for clean record	Annual premium after a DUI	Dollar increase	% Increase
Arlington Heights	$1,484	$2,559	$1,075	72%
Aurora	$1,476	$2,524	$1,048	71%
Bloomington	$1,331	$2,229	$898	67%
Chicago	$1,930	$3,365	$1,435	74%
Crest Hill	$1,554	$2,648	$1,094	70%
Crystal Lake	$1,419	$2,435	$1,016	72%
Decatur	$1,482	$2,513	$1,031	70%
Des Plaines	$1,696	$2,960	$1,264	75%
Elgin	$1,502	$2,574	$1,072	71%
Joliet	$1,574	$2,687	$1,113	71%
Mount Carmel	$1,455	$2,343	$888	61%
Arlington Heights	$1,484	$2,559	$1,075	72%
Aurora	$1,476	$2,524	$1,048	71%
Bloomington	$1,331	$2,229	$898	67%
Chicago	$1,930	$3,365	$1,435	74%
Crest Hill	$1,554	$2,648	$1,094	70%
Crystal Lake	$1,419	$2,435	$1,016	72%
Decatur	$1,482	$2,513	$1,031	70%
Des Plaines	$1,696	$2,960	$1,264	75%
Elgin	$1,502	$2,574	$1,072	71%
Joliet	$1,574	$2,687	$1,113	71%
Mount Carmel	$1,455	$2,343	$888	61%

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How to get car insurance after a DUI in Illinois

Insurers will consider you a high-risk driver after a DUI, but you can still get car insurance. Finding the right coverage after a DUI conviction may take some extra effort.

If you already have car insurance and receive a DUI, your insurer will likely keep your policy active. However, your premiums will rise when it's time to renew.

If you need car insurance after a DUI or want the lowest available rates, be sure to compare multiple companies. Request quotes from various insurers to identify the most affordable choice in Illinois, since each company determines its own rates after a DUI.

Illinois DUI insurance requirements and penalties

A DUI in Illinois means you must meet specific high-risk driver requirements. In Illinois, this includes obtaining an SR-22. An SR-22 is a form your insurer submits to the state to verify that you carry at least the minimum car insurance required by law. While the SR-22 itself doesn't increase your rates, the offense that led to it does.

A DUI can lead to fines, license suspension, vehicle impoundment and even jail time. Multiple offenses carry even harsher penalties. You may also have to pay attorney fees, towing charges and impound costs.

The table below highlights Illinois DUI laws and the penalties for both first-time and repeat offenses.

Increased penalty for high BAC	Administrative license suspension after a first offense	Limited driving privileges during suspension	Ignition interlocks	Open container laws	Repeat offender laws
0.16	6 months	After 30 days	Mandatory for all convictions; Highly incentivized for first convictions	Yes	Yes
0.16	6 months	After 30 days	Mandatory for all convictions; Highly incentivized for first convictions	Yes	Yes

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*BAC is blood alcohol concentration

How long after a DUI does your insurance go down?

A DUI affects car insurance rates for at least three years, but the actual time varies. In some states like California, a DUI can affect rates for 10 years.

Illinois drivers can expect to pay higher car insurance rates after a DUI and expect it to stay on their record for 12 years.

Tips to save money after a DUI

A DUI can cost you thousands in fines, fees, and higher car insurance premiums. Fortunately, you can still take steps to reduce your rates after a DUI.

Ways Illinois drivers can reduce car insurance costs after a DUI include:

Raising your deductible to lower your premium
Checking for discounts, such as multi-policy savings or vehicle safety feature discounts
Maintaining a clean driving record moving forward
Completing a defensive driving course
Working to improve your credit score
Comparing quotes from several insurers

Methodology

We partnered with Quadrant Information Services to field car insurance rates across all 50 states and Washington, D.C.

Unless otherwise indicated, averages are based on our full coverage data set. This data set is based on:

Bodily injury liability of $100,000 per person and $300,000 per incident
Property damage liability of $100,000 per incident
Comprehensive and collision deductibles of $500
40-year-old driver
Honda Accord LX
Good credit
A clean driving record
12-mile commute, 10,000 annual mileage

Additional rate data is drawn based on:

One and two DUI convictions
Ages ranging from 16 to 75

Learn more about our data and methodology.

Illinois DUI insurance: Frequently asked questions

How far back do insurance companies look for a DUI?

Depending on the state, a DUI may stay on your driving record for up to 10 years. In most situations, a DUI influences car insurance rates for three to five years.

Will my insurance drop me after a DUI in Illinois?

Most insurers won't drop your policy after just one DUI, but your premiums will increase significantly. However, if you have multiple DUIs, your insurer may refuse to continue coverage. The greater the risk you pose, the more difficult it becomes to find car insurance.