DUI Car Insurance in Illinois: Costs, Laws, and Cheapest Companies (2026)

Cheapest car insurance quotes after a DUI in Illinois

The average cost of car insurance following a driving under the influence (DUI) conviction in Illinois is $122 per month for liability-only coverage and $238 for a full-coverage policy.

Auto-Owners has the cheapest car insurance in Illinois for drivers with a DUI, at $57 per month on average. The following table shows the average monthly liability quotes for different insurance companies in Illinois after a DUI.

The below rates in Illinois are estimated rates current as of: Monday, August 10 at 5:00 PM PDT. 

Insurance Company	Average Monthly Quote: Liability Only
Auto-Owners	$57
State Farm	$65
Certainly	$84
Country Financial	$88
Progressive	$89
The General	$90
Direct Auto	$91
GEICO	$96
Allstate	$98
Erie	$99
First Chicago	$100
USAA	$106
American Family	$108
GAINSCO	$108
Bristol West	$117
National General	$117
Safeco	$120
Mercury	$124
Freedom National	$129
Clearcover	$132
Elephant	$134
Dairyland	$137
First Acceptance	$139
Travelers	$143
Insurify Car	$147
Farmers	$153
Root	$155
Liberty Mutual	$158
Mendota	$166
Hugo	$167
State Auto	$194

Disclaimer: Table data sourced from real-time Illinois car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Illinois may vary based on the policy buyer's unique driver profile.

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Liability policies average $122/mo. for drivers with a DUI

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How a DUI affects car insurance rates in Illinois

If you’re convicted of driving under the influence in Illinois, your car insurance rates will increase. Insurers view drivers with a DUI as higher-risk. The average increase in full-coverage insurance after a DUI in Illinois is 72%, according to Insurify data.

How much your premiums go up depends on many factors, including:

• BAC: A blood alcohol concentration above the legal limit of 0.08% can result in higher rates.^[1] A higher BAC of 0.16% can result in more serious consequences.

• Prior offenses: With more than one DUI, you can expect your rates to rise significantly, and you might even have a hard time finding coverage.

• Age: Younger drivers pay higher rates because insurers already view them as a higher risk. Illinois has a Zero Tolerance Law for drivers younger than 21 who are caught with any trace of alcohol in their system.^[2]

• Coverage levels: A full-coverage policy generally results in higher rates than a minimum-coverage policy.

The following chart shows the cost of coverage with and without a DUI in Illinois.

Best car insurance companies after a DUI in Illinois

The car insurance company that’s best for you after a DUI in Illinois depends on your individual circumstances. While it can be more difficult to find coverage after a DUI, it’s still possible to find high-quality and affordable insurance in Illinois.

We’ve reviewed the following companies based on rates, coverage offerings, verified user reviews, and third-party insurance ratings to find the best insurer.

Auto-Owners: Best for affordable rates after a DUI in Illinois

affordable rates after a DUI in Illinois

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User Reviews	4.3 357 reviews
IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.	8.2 /10
Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.	$41/mo
Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.	$74/mo

Details

4.3

Best choice in IllinoisBased on 357 verified driver reviews and ratings

	Auto-Owners's score	Industry average
Coverage options	4.0	3.2
Customer service	3.7	3.6
Discounts	3.5	2.9
Policy transparency	3.9	3.1
Value	3.5	2.9

How drivers feel about Auto-Owners

Customers appreciate the friendly service and quick claims process but dislike the constant rate increases and perceived inflexibility in pricing.

Based on analysis of verified reviews collected by Insurify

---

Best in Illinois for

Cheap rates

Senior drivers

Ample discounts

Showing recent national reviewsSee all 155 Auto-Owners reviews

Richard

Verified Review

My Experience with Auto-Owners Insurance Company

Reviewed in North Carolina on August 1, 2026

Very easy to deal with.

Sylvester

Verified Review

The experience I had with the office workers was pleasant.

Reviewed in Florida on July 30, 2026

Good. I never had to file a claim.

Mickey

Verified Review

Policy Evaluation

Reviewed in South Carolina on July 24, 2026

It’s expensive, but claims are handled quickly.

JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

646

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

0.46

A.M. Best

A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).

A++

Why we picked this company

For many Illinois drivers, finding an affordable insurer after a DUI is a priority. Auto-Owners offers some of the cheapest rates for drivers with a DUI in Illinois, according to Insurify data. The insurance company also provides a wide range of coverage options and several opportunities to save with multi-car, bundling, and paid-in-full discounts.

Pros

• Above-average J.D. Power claims satisfaction rating

• Lower rates in Illinois compared to competitors

• Fourth-largest property/casualty insurer in the U.S, according to AM Best

Cons

• Poor Trustpilot score

• Can’t get a quote online

• Available in only 26 states

State Farm: Best for local agents after a DUI in Illinois

local agents after a DUI in Illinois

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User Reviews	4.1 20,607 reviews
IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.	9.3 /10
Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.	$45/mo
Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.	$80/mo

Details

4.1

Best choice in IllinoisBased on 20,607 verified driver reviews and ratings

	State Farm's score	Industry average
Coverage options	4.1	3.2
Customer service	4.3	3.6
Discounts	3.9	2.9
Policy transparency	3.9	3.1
Value	3.7	2.9

How drivers feel about State Farm

Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.

Based on analysis of verified reviews collected by Insurify

---

Best in Illinois for

Customer service

Competitive rates

Discounts for safe drivers

Showing 64 reviews from Illinois driversSee all 8,007 State Farm reviews

Eugenia

Verified Review

State Farm

Reviewed in Illinois on August 18, 2026

I don’t have any problems with State Farm. I really like them.

Glyn

Verified Review

State Farm Is Terrible

Reviewed in Illinois on August 4, 2026

I had a few comprehensive claims, and now they’re dropping me.

Roberto

Verified Review

Great

Reviewed in Illinois on August 4, 2026

State Farm is very good and a reliable company.

JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

665

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

0.84

A.M. Best

A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).

A++

Why we picked this company

If you want to meet face-to-face with a local insurance agent, State Farm might be a good fit. The company has insurance agents in cities across Illinois. You can also get a quote online if you prefer a digital experience. With a wide range of coverage options and discounts, you can find a policy that works for you.

Pros

• Online quotes available

• Affordable rates in Illinois

• Wide range of coverage options

Cons

• No accident forgiveness insurance

• No gap insurance

• Poor Trustpilot score

GEICO: Best for discounts after a DUI in Illinois

discounts after a DUI in Illinois

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User Reviews	4.0 20,293 reviews
IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.	9.2 /10
Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.	$66/mo
Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.	$125/mo

Details

4.0

Best choice in IllinoisBased on 20,293 verified driver reviews and ratings

	GEICO's score	Industry average
Coverage options	4.0	3.2
Customer service	4.1	3.6
Discounts	3.9	2.9
Policy transparency	4.0	3.1
Value	3.8	2.9

How drivers feel about GEICO

Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.

Based on analysis of verified reviews collected by Insurify

---

Best in Illinois for

Teen drivers

Cheap rates

Accident forgiveness

Showing 23 reviews from Illinois driversSee all 8,092 GEICO reviews

Stanley

Verified Review

Mostly good, claims can be done better

Reviewed in Illinois on June 22, 2026

Claims are very slow.

Barbara

Verified Review

Coverage was good, price was right

Reviewed in Illinois on June 8, 2026

Haven’t had any reason to interact.

Cheryl

Verified Review

Not a satisfied customer

Reviewed in Illinois on May 22, 2026

I'm not going to keep GEICO. I pay over $300 a month for insurance, and it doesn't even include roadside assistance. I ran out of gas one day and couldn't get anyone to come and help me. I had to get an Uber to the gas station and pay $35 for a gas can just to put a couple of dollars in my car, only to find out I don't have roadside assistance through GEICO.

JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

641

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

0.59

A.M. Best

A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).

A++

Why we picked this company

If you want to try to lower your rates after a DUI, GEICO offers a large selection of car insurance discounts. From multi-vehicle and multi-policy discounts to military, online quote, and pay in full, you have plenty of ways to try to lower the cost of your car insurance premiums.

Pros

• Wide range of discounts

• Online quotes available

• 24/7 claims service

Cons

• Below-average J.D. Power claims satisfaction score

• No gap insurance

• Poor Trustpilot score

How to get car insurance after a DUI in Illinois

If you need to get car insurance after a DUI conviction in Illinois, below are some steps you’ll need to take:

1. Provide proof of financial responsibility. In Illinois, drivers who have a DUI conviction typically need an SR-22 certificate of financial responsibility. An SR-22 proves that you carry the required insurance. You have to hold SR-22 insurance for three years in Illinois.^[3]

2. Pay the reinstatement fee. Before you can regain your driving privileges, you’ll need to pay a reinstatement fee to the Office of the Secretary of State. The fee for a first offense is $250, and for subsequent offenses, it’s $500.

3. Compare multiple insurance companies. To find the best rate on coverage after a DUI, compare multiple Illinois insurance companies.

4. Consider high-risk insurance options. If you can’t find insurance due to your driving record, talk to an insurance agent about the Illinois Auto Insurance Plan. This program helps high-risk drivers find coverage.^[4]

5. Adjust coverage to lower costs. Since a DUI can significantly increase the cost of coverage, review your insurance to see if it’s still the right fit. If you have optional coverage like roadside assistance, consider removing it to lower your premiums.

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DUI laws in Illinois

In the state of Illinois, a DUI conviction stays on your record for your lifetime.^[5] The consequences and penalties for a DUI are serious and become more severe with subsequent infractions.

Illinois’ DUI penalties

A first-time DUI can result in the loss of your driving privileges for a minimum of one year. You also face a maximum fine of $2,500 and possible imprisonment for up to one year. If your BAC is 0.16% or above, there’s a mandatory minimum fine of $500 plus 100 hours of community service.^[6]

If you get a second DUI conviction within a 20-year period, you can lose your driving privileges for a minimum of five years. You’ll face possible imprisonment for up to one year, a fine of up to $2,500, and a mandatory minimum of five days imprisonment or 240 community service hours. If your BAC is 0.16% or higher, you’ll face a mandatory minimum fine of $1,250.

A third DUI conviction is classified as a Class 2 felony. It can result in a minimum of a 10-year loss of full driving privileges, possible imprisonment for up to seven years, and a fine of up to $25,000. A BAC of 0.16% or higher will start at a $2,500 mandatory minimum fine and 90 days in jail.

If you’re in a crash that results in great bodily harm or permanent disfigurement of another person while driving under the influence, this is a Class 4 felony and can result in a two-year loss of driving privileges, up to 12 years imprisonment, and fines of up to $25,000.

SR-22 requirements

Drivers with a DUI conviction in Illinois typically need an SR-22 form to prove they meet the state’s minimum insurance requirements.

To get an SR-22, you’ll need to find an insurance company that offers them. Your insurance agent will send the SR-22 certificate to the secretary of state’s office.

You have to maintain your SR-22 coverage for three years. If it expires or lapses, your license may be suspended.

Minimum car insurance requirements in IL after a DUI

The minimum car insurance requirements in Illinois include $25,000 per person and $50,000 per accident in bodily injury liability, plus $20,000 per accident in property damage liability. Drivers also need uninsured motorist bodily injury coverage with limits of $25,000 per person and $50,000 per accident.

While your minimum liability limits won’t change after a DUI, your insurance premiums will rise.

How long a DUI stays on your driving record varies by state. In Illinois, a DUI stays on your driving record for your lifetime. But how long a DUI affects your car insurance premiums may depend on your insurer.

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Drivers with a DUI pay $238/mo. for full coverage

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How to lower DUI insurance costs in Illinois

If you get a DUI conviction in Illinois, you can expect your premiums to increase significantly. This is unavoidable. But you can do some things to keep your insurance costs as low as possible:

• Compare quotes. Shop around to several different Illinois insurance companies to find the best rates.

• Maintain continuous coverage. If you need an SR-22 certificate, make sure you maintain continuous coverage for the required time, which is three years in Illinois. A lapse in coverage can make it harder or more expensive to find coverage.

• Avoid other traffic violations. In Illinois, 0.51% of drivers have a DUI, nearly 4% have an at-fault accident, and over 3% have a recent ticket, according to Insurify data. To keep your costs down, do your best to keep a clean driving record.

• Raise your deductible. Increasing your deductible can reduce your monthly premiums. But make sure you can afford your deductible if you need to make a claim.

• Drop full coverage (if not needed). If you have an older car and you own it, like 67% of drivers in Illinois (according to Insurify data), consider dropping full coverage to reduce your costs. If you lease or finance your vehicle, your insurer might require you to have a full-coverage policy.

DUI car insurance in Illinois FAQs