Illinois Car Insurance with a DUI

If you get a DUI in Illinois, your car insurance policy is going to get more expensive — it's just a question of how large your penalty will be.


How does a DUI influence car insurance rates in Illinois?


In Illinois, a DUI violation will raise your annual car insurance rate by an average of $665. That’s 65% less than the national average premium increase following a DUI.


AUTO INSURANCE WITH A DUI IN ILLINOIS — AVERAGE ANNUAL PENALTY
AreaAvg. Annual Rate — no DUIAvg. Annual Rate — with DUIAvg. Increase After DUI
Illinois$1,303$1,968+51%
United States$1,548$2,556+65%

Purchasing car insurance in Illinois with a DUI violation


Finding inexpensive auto coverage soon after a DUI violation isn’t easy. In fact, a DUI typically leads to a larger rate increase than does any single driving infraction — more than an at-fault accident, reckless driving, or racing.


Best car insurance after a DUI in Illinois

If you've been convicted of a DUI or DWI violation in Illinois, it is important to consider all possible insurance options with care. Car insurance costs following a DUI can deviate greatly depending on the company. For instance, the cheapest car insurance company with a DUI in Illinois, State Farm, offers annual rates 17% more affordable than the state mean insurance rate after a DUI. The second-cheapest option for auto insurance with a DUI in Illinois is Country, while the priciest insurer is Allstate, at 49% above the mean.


CAR INSURANCE RATES AFTER DUI IN ILLINOIS — BY COMPANY
InsurerAvg. Annual Rate — After DUI
State Farm$1,626
Country$1,665
GEICO$1,810
Progressive$1,909
Farmers$2,178
American Family$2,368

There is no auto insurance company, in particular, offering affordable DUI auto insurance. The best way to limit your losses post-DUI conviction is to compare policies.

Compare auto insurance quotes online or contact an insurance professional to assess the choices and discover a relatively cheap policy.

Learn more about car insurance and DUIs.

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Illinois DUI laws

Illinois considers a driver DUI when their blood alcohol concentration reads 0.08% or higher. Commercial drivers are held to a stricter limit of 0.04% or higher. Those under 21 years old are not permitted to have any measurable BAC.

Illinois may also consider drivers with a BAC of 0.05% to be DUI if they display other signs of impairment and unsafe driving.


DUI penalties in Illinois

In Illinois, the first two DUI convictions are considered misdemeanors. Third and subsequent DUIs are felony offenses. A DUI may also be deemed a felony if it's committed while transporting passengers for-hire, if the violator does not have a license or insurance, or if the incident leads to injury or death.

Penalties are also increased for violators whose BAC is 0.16% or higher or if transporting a child under 16 years old.

There is a lifetime lookback period in Illinois, so subsequent DUI offenses are much more severe.

First-time DUI offenses in Illinois lead to:

  • Up to one year in jail
  • Up to $2,500 in fines
  • License revocation for one year
  • Possible requirement to perform community service
  • Attendance in a drug and alcohol program
  • Vehicle registration revocation

A second DUI offense in Illinois results in:

  • Five days to one year in jail
  • Up to $2,500 in fines
  • License revocation for a minimum of five years
  • Possible requirement to perform 240 hours of community service
  • Attendance in a drug and alcohol program
  • Vehicle registration revocation

Third-time DUI offenders in Illinois are subject to:

  • 18 to 30 months of mandatory periodic imprisonment and up to seven years in jail
  • Up to $25,000 in fines
  • License revocation for a minimum of 10 years
  • Attendance in a drug and alcohol program
  • Vehicle registration revocation

Aggravated DUI in Illinois

A DUI that leads to an accident in which someone is dealt “great bodily harm” or permanently disfigured is a class four felony. Penalties for an aggravated DUI in Illinois are:

  • 10 days to 12 years in jail
  • Up to $25,000 in fines
  • License revocation for one year
  • Possible requirement to perform 480 hours of community service

DUI penalties for young drivers in Illinois

Illinois is a zero-tolerance state. Those under 21 years old are considered DUI if driving with any readable BAC. As with those over 21, the first two DUI convictions are considered misdemeanors in Illinois. Third and subsequent offenses are felonies.

For a first-time underage DUI, offenders will:

  • Be jailed for up to one year
  • Pay fines of up to $2,500
  • Receive a license revocation for a minimum of two years
  • May be required to attend an alcohol education program

A second underage DUI offense leads to:

  • Five days to one year in jail
  • Up to $2,500 in fines
  • Five-year license revocation
  • Possible requirement to perform 240 hours of community service
  • May be required to attend an alcohol education program

A third underage DUI offense in Illinois results in:

  • 18 to 30 months of mandatory periodic and up to seven years in jail
  • Up to $25,000 in fines
  • Ten-year license revocation

Sources and references:

https://www.isp.state.il.us/traffic/drnkdriving.cfm

https://www.dmv.org/il-illinois/automotive-law/dui.php

https://www.cyberdriveillinois.com/publications/pdf_publications/dsd_a118.pdf

https://www.edgarsnyder.com/drunk-driving/driving-alcohol-laws/illinois.html

Ava Lynch LinkedIn

Ava worked in the insurance industry as an agent for four-plus years. Currently providing insights and analysis as one of The Zebra’s resident property insurance experts, Ava has been featured in publications such as U.S. News & World Report, GasBuddy, and Yahoo! Finance.