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How much does an Illinois DUI affect auto insurance rates?

On Behalf of | Oct 14, 2021 | Dui Charges

An Illinois conviction for driving under the influence leads to notable criminal penalties, including the loss of your driver’s license and hefty fines, among others. In addition to having to pay fines and finance other expenses relating to your arrests, such as bail or towing fees, you should also expect to have to pay much more for car insurance after a drunk driving conviction.

According to Insure.com, drivers across the nation who receive DUI convictions see their annual auto insurance premiums go up by between about 28% and 371%. How much of an insurance rate hike might you see when you receive a conviction for DUI in Illinois?

Insurance rate hikes

If your driving record is typical of that of most other Illinois drivers before your DUI arrest, you might anticipate your car insurance annual premiums increasing by about 86% following your conviction. Without a DUI, the average Illinois motorist pays somewhere in the range of $1,176 a year for insurance coverage. However, with a first-time DUI conviction, the typical Illinois driver winds up paying an average of $2,182 for insurance. This amounts to a difference of $1,006 a year.

Insurance challenges

Finding affordable insurance after a DUI may take some time and effort. Some providers choose not to cover motorists with drunk driving convictions in their histories. Also, you may find that while your current provider offered a competitive rate before your DUI, it may not do so afterward.

You may find it helpful to get quotes from several different auto insurers in addition to your current one in the wake of a conviction for DUI.