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.
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.
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.
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.
|Average Percent Increase After DUI|
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.
|Most Expensive State for DUI (1-50)|
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.
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.
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.
The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.