TL;DR: A DUI conviction in Illinois will significantly increase your car insurance rates, possibly even leading to policy cancellation. You will likely be required to file an SR-22 to reinstate your license, and insurance premiums could rise by up to 100%.
However, you can still find affordable DUI insurance with the right guidance. For personalized assistance, call Insure on the Spot at 773-202-5060.
How Does a DUI Affect Your Insurance Coverage?
A DUI conviction has several key effects on your car insurance coverage. If you are involved in an accident while intoxicated, your insurance will still cover the damages up to your policy limits. However, the insurer is likely to take action against your policy, either by increasing your premium substantially or by dropping your coverage entirely.
Many companies will drop you or raise your premium once a DUI appears on your record, either after a DUI conviction or through routine driving record checks or SR-22 filings. Even if there was no crash, the DUI could still impact your insurability.
In Illinois, DUI convictions also trigger license suspension or revocation. A first DUI typically leads to a license revocation of at least one year, and to regain driving privileges, you’ll need an SR-22 insurance filing. Failing to maintain continuous coverage could result in your license being suspended again. While a DUI doesn’t void your existing insurance, it will increase your risk and potentially force you to find a new insurer.
How Much Will My Rates Increase After a DUI?
Expect a significant increase in your car insurance premiums after a DUI conviction. On average, national premiums can double, with a typical increase of 70-100% for a first-time DUI. In Illinois, for example, the average premium can rise from $2,423 to $4,452, an 84% increase. The exact increase depends on several factors, such as the insurer’s policies, your previous driving history, and whether there was an accident.
While some insurers may offer a relatively modest increase (around 13%, as seen with Progressive), others impose larger surcharges or may refuse coverage entirely. The increase will typically last for at least 3 to 5 years, or until you regain a clean driving record. Your rates will gradually decrease once the DUI is no longer seen as a risk by insurers.
What Is SR-22 Insurance and When Is It Required?
SR-22 insurance is a certificate of financial responsibility that proves you carry the required liability insurance coverage. In Illinois, after a DUI conviction, you will be required to file an SR-22 for three years to reinstate your driving privileges. It is not a separate insurance policy but a service your insurer provides by filing the SR-22 certificate with the Illinois Secretary of State.
SR-22 is required if your license is suspended or revoked due to a DUI, and it ensures that you maintain the state-mandated liability coverage. If your policy lapses or is canceled, your insurer must notify the state, and your license will be suspended again. If you don’t own a car, a non-owner SR-22 policy is available, which provides coverage when driving someone else’s car.
Can I Still Get Car Insurance After a DUI?
Yes, you can still get car insurance after a DUI, but you may have to shop around to find a policy that fits your needs. Many insurance companies will provide coverage for high-risk drivers, though the rates will likely be higher. Companies like Progressive, GEICO, and State Farm offer DUI coverage, though each has different policies regarding premiums and SR-22 filings.
If your policy is canceled after a DUI, contact multiple companies that specialize in high-risk insurance. Insure on the Spot can help you find DUI insurance and file your SR-22 immediately. It’s important to remember that driving without insurance after a DUI is illegal, so do not risk driving without coverage.
How Can I Lower My Car Insurance Costs After a DUI?
Although your insurance rates will increase after a DUI, there are steps you can take to reduce your premiums over time:
- Shop Around: Compare quotes from multiple insurers to find the best rate for high-risk drivers.
- Specialist Insurers: Some companies specialize in high-risk insurance and may offer better rates.
- Maintain a Clean Record: Avoid traffic violations or accidents, which will help lower your rates over time.
- Ask About Discounts: Completing a defensive driving course or alcohol education program could help reduce your premium.
- Adjust Your Coverage: Opt for a higher deductible or reduce coverage for an older car to lower your premium.
Get a Quote for DUI Car Insurance in Illinois Today
Get back on the road with the right coverage. At Insure on the Spot, we specialize in helping Illinois drivers find affordable DUI car insurance and SR-22 filing services. Our team is here to guide you through the process, offering personalized assistance and fast quotes. Call 773-202-5060 today or get a free quote online to see how we can help you save.
Frequently Asked Questions About DUI and Car Insurance
A: It’s possible. Many insurers will cancel or not renew your policy after a DUI conviction, especially if an accident was involved. Some companies may continue coverage but at higher premiums, or they may move you to a high-risk plan.
A: On average, a DUI causes a 70-100% increase in insurance premiums. In Illinois, a DUI raises premiums by about 84%, from $2,423 to $4,452.
A: Insurance companies see drivers with DUIs as high-risk and are statistically more likely to file future claims. The higher premiums help insurers offset that risk.
A: A DUI will typically affect your rates for 3-5 years, depending on your state and insurer. In Illinois, you must maintain an SR-22 for three years.
A: Yes. After a DUI conviction in Illinois, you will need to file an SR-22 certificate for three years to reinstate your license and remain insured.
A: Insurers find out about DUIs through motor vehicle reports (MVR) or through SR-22 filings. If your DUI involved an accident, the insurer may learn about it immediately.
A: Yes, you can still find affordable car insurance after a DUI by comparing quotes from multiple insurers and looking for companies that specialize in high-risk insurance.
A: Companies like Progressive, State Farm, and GEICO offer DUI coverage, but rates and policies will vary. It’s best to get quotes from multiple companies and find one that offers competitive rates for DUI drivers.
Get a Quote Today!
If you need help navigating the aftermath of a DUI and finding affordable car insurance, Insure on the Spot is here for you. Contact us today for expert assistance at 773-202-5060 or get a free online quote.