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Cheap DUI Car Insurance in Illinois (With Quotes)
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| Reviewed by licensed insurance agent, Amber Benka
Last Updated March 9, 2022
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Best DUI Insurance Companies in Illinois (2022)
For drivers with a DUI or DWI offense in Illinois, it’s important that you evaluate all of your potential insurance options to ensure you are finding the best rate. Comparing the right insurance companies after this incident will allow you to get the best possible insurance rate after a DUI.
To simplify comparing companies, Insurify has analyzed rates from top insurance providers in Illinois. The following are the best insurance rates from carriers that offer car insurance for drivers with a DUI in Illinois.
| Carrier | Avg. Monthly Cost |
|---|---|
| USH&C | $92 |
| Mile Auto | $103 |
| Liberty Mutual | $115 |
| Travelers | $118 |
| First Chicago Insurance Company | $126 |
| SafeAuto | $145 |
| Elephant.com | $159 |
| Bristol West | $167 |
| Dairyland Insurance | $184 |
| Metropolitan Property and Casualty Insurance Company | $185 |
DUI Car Insurance Costs in Illinois
In Illinois, a DUI or DWI offense will on average have drivers paying $326 per month and $3,912 per year for their car insurance rates.
Compared to drivers with a clean driving record, that is on average an 92% increase on car insurance rates for drivers with a DUI. So in order, to find an affordable monthly rate after a DUI, comparison tools like Insurify become essential to finding the best rate.
Avg. Monthly Cost - No Violation$170
Avg. Monthly Cost - After DUI$326
$156 ▴
91.76% ▴
Monthly Impact of DUI on Rates
Percent Bad DUI Impact Rates
Insurify's comparison tool will help you make sure you're getting the best possible quote even after a DUI. You can have peace of mind that you're reviewing all of your available insurance options and can confidently choose the one that is best for your situation.
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How Much Does a DUI Impact Car Insurance Rates in Illinois?
In the Prairie State, a DUI can mean lost jobs, damage to relationships, and a hit to the pocketbook. A spike in the car insurance bill comes with the territory, but just how much?
The average insurance price for Illinois drivers is $180, and if you have a clean record, your average monthly beats that, at $170. One added drink and a court sentence later, and your rate goes up by 92 percent, to a jaw-dropping $326. If most people realized the difference of $156 more per month, or over $1,800 more per year, you'd see more people ordering a Coke at the bar.
| No Violation - Avg. Monthly Rate | After DUI - Avg. Monthly Rate | Average Percent Increase After DUI |
|---|---|---|
| $170 | $326 | 91.76% |
What Are the Average Car Insurance Prices After a DUI in Illinois?
Your driver profile and history allow insurance companies to tailor your rate to your situation. That said, DUI drivers shell out $326 per month. That cost makes Illinois 37th for the most expensive DUI premiums in the country. Two-thirds of the country pay more, and those in Michigan, the most expensive state, fork over more than triple, at $1,200 per month.
If your DUI has you pinching pennies, you may drop comprehensive and collision coverage on an older car and choose liability only. You might also think about lowering your policy limits closer to the state minimum.
| Illinois After DUI Avg. Monthly Rate | Most Expensive State for DUI (1-50) |
|---|---|
| $326 | 37th |
How Long Is the Lookback Period for a DUI in Illinois?
While many states have a time frame of 5 or 10 years, Illinois has a lifetime lookback period. That means judges can factor in any earlier DUI when handing out penalties and sentences, although the time between convictions is factored in. Favorably, most car insurance companies stop at three years, while a few go up to five years.
While you wait, avoid further accidents and tickets to keep your record clean. When your insurance comes up for renewal or around every six months, check to see if you can get a better rate.
Illinois DUI Penalties
Convictions carry harsher punishment for higher BAC levels, driving with passengers under 16, repeat offenses, and test refusal. First-time offenders can expect jail time between six months and one year, community service for 100 hours, a fine between $500 and $2,500, and a license suspension of one year. Repeat offenders can face up to seven years in jail.
Illinois is a "zero-tolerance" state for drivers under the age of 21, so blowing anything above a .00 BAC will cause a minimum three-month license suspension. Anyone who breaks the DUI law must complete an alcohol and drug evaluation. If there is a substance abuse problem, a treatment program will be required.
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Use Insurify for all of your car insurance comparison needs! Compare and connect directly with the top insurance companies to find the best rates as well as the most personalized discounts and coverage options. Insurify’s network includes over 200 insurance companies throughout the U.S. who can work with you to get you the right auto insurance policy at the cheapest price. See All Auto Insurance Companies
FAQs - Illinois Car Insurance
There are many different factors that go into the how expensive your car insurance is. That said, some of the reasons why you could be paying so much for your insurance include: living in a state with high minimum insurance requirements, being a young or new driver, committing past traffic offenses like at-fault accidents or DUIs, and having a low credit score.
Auto insurance costs will vary between locations and insurance carriers, depending on the county Illinois. Insurify analyzed the latest data for the five most populous cities in Illinois to find you the cheapest quotes in each of these metropolitan areas.
The way to find the carrier with the best auto insurance ratings in Illinois and save on your insurance premiums is to compare quotes from all companies in your area. Use a car insurance quotes comparison site like Insurify to compare up to 10+ real quotes for your specific driver profile and unlock savings and discounts. Rates can fluctuate greatly based on whether you're a safe driver or a high risk one, but you should never overpay. Insurify provides the cheapest car insurance quotes and companies in your area in just a few seconds.
During the past three years in the United States, national premium costs have risen an average of 4.5 percent annually. In states where quotes have risen, this figure has been 7.8 percent; and in those where rates have fallen, prices have decreased by approximately 6.0 percent. Individual rates by state will of course vary depending on the driver’s history and a multitude of factors.
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Methodology
The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.
Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews.
With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.
Content Writer at Insurify
Courtney Roy is a financial and technology copywriter. He creates content that makes an actionable difference in the life of his readers. In addition to years of experience across multiple industries, Courtney has insurance licenses, a real estate license, and a degree in electrical engineering. He and his wife chase their five kids in the Phoenix, Arizona sun. You can learn more at thecopyprophet.com.