Illinois drivers often wonder if there’s a difference between DWIs and DUIs—but under Illinois law, they’re the same offense. Illinois exclusively uses the term DUI (Driving Under the Influence) for all impaired driving charges, whether due to alcohol or other substances. This means Chicago drivers facing DUI charges will encounter serious legal penalties and significant auto insurance impacts.
For personalized insurance assistance after a DUI, call Insure on the Spot in Chicago at 773-202-5060.
Is There Any Legal Difference Between a DWI and DUI in Illinois?
While some states differentiate between DWI (Driving While Intoxicated) and DUI (Driving Under the Influence), Illinois law does not. In Illinois, every impaired driving offense—regardless of whether caused by alcohol, drugs, or other intoxicants—is prosecuted strictly as a DUI.
Illinois statute explicitly uses the DUI designation and makes no legal distinction based on substance type or severity. Whether you’ve heard people refer informally to a DWI or DUI, your legal paperwork and charges will always list the offense as a DUI in Chicago and statewide.
Illinois takes impaired driving extremely seriously. A first-time DUI offense brings harsh penalties, including license suspension, significant fines, and potentially jail time. Beyond legal trouble, DUIs also significantly impact auto insurance rates and eligibility.
How Does a DUI Conviction Affect Auto Insurance Rates in Chicago?
A DUI conviction dramatically affects your auto insurance premiums and eligibility. Insurance providers categorize DUI offenders as high-risk drivers, leading to increased insurance costs and potential policy issues. Here’s how a DUI specifically impacts auto insurance for Illinois drivers:
- Significant Premium Increases: Following a DUI conviction, Illinois drivers typically see premium increases of 50% or more, sometimes even doubling their annual insurance costs.
- Possible Policy Non-Renewal: Many insurance companies refuse to renew policies after a DUI. This forces drivers to seek new coverage from insurers specializing in high-risk policies, like Insure on the Spot.
- Mandatory SR-22 Filing: Illinois requires DUI offenders to file an SR-22 certificate, demonstrating proof of financial responsibility (at least Illinois’ 25/50/20 liability coverage). Insure on the Spot can help electronically file your SR-22, simplifying this process.
- Long-Term Insurance Impacts: Although insurance companies typically consider the past 3-5 years for premium calculations, an Illinois DUI conviction remains permanently on your driving record, affecting rates and eligibility long-term.
What Are the DUI Penalties in Illinois?
Illinois enforces strict penalties for DUI offenses to discourage dangerous impaired driving. Here’s a clear overview of the legal penalties you can expect:
First DUI Offense (Class A Misdemeanor):
- License suspension for a minimum of 1 year
- Fines up to $2,500
- Possible jail sentence up to 364 days (though often avoidable for first-time offenders)
- Mandatory alcohol/drug education or treatment programs
- Eligibility for the Monitoring Device Driving Permit requires an ignition interlock device
Multiple or Aggravated DUI Offenses:
- Second DUI: License revocation for 5 years (if within 20 years of first DUI), mandatory jail or community service, and higher fines
- Third DUI: Felony charge, 10-year license revocation, increased jail/prison time, hefty fines, and mandatory ignition interlock device use
- Fourth or More DUIs: Lifetime license revocation, felony conviction, and extended prison sentences
These legal repercussions compound the insurance-related consequences. Regaining your driving privileges involves mandatory SR-22 filings and sustained higher insurance rates.
Frequently Asked Questions (FAQs)
Q: Is there a difference between a DUI and DWI in Illinois?
A: No. Illinois exclusively uses DUI (Driving Under the Influence) for all impaired driving charges, whether from alcohol or drugs. There is no separate legal charge called DWI in Illinois.
Q: Will a DUI in Illinois raise my auto insurance rates?
A: Yes. DUI convictions significantly increase auto insurance premiums, typically by 50% or more. Additionally, some insurance companies may choose not to renew your policy after a DUI, requiring specialized high-risk insurance providers.
Q: Do I need an SR-22 certificate after a DUI conviction in Illinois?
A: Yes. Following a DUI-related suspension or revocation, Illinois mandates filing an SR-22 certificate proving you have the state’s minimum liability coverage. You’ll typically need to maintain this for about three years. Insure on the Spot can assist in filing your SR-22.
Q: How long will a DUI conviction remain on my driving record in Illinois?
A: A DUI conviction stays permanently on your Illinois driving record and cannot be expunged or sealed. Insurance companies typically factor in DUIs from the last 3-5 years when setting premiums, so maintaining a clean driving history afterward can eventually help lower costs.
Q: What penalties does Illinois impose for a first-time DUI?
A: A first DUI offense in Illinois is classified as a Class A misdemeanor, carrying penalties of a one-year license suspension, fines up to $2,500, possible jail time (often avoidable), and mandatory alcohol education or treatment programs. First offenders may qualify for restricted driving privileges with an ignition interlock device.
Get a Quote Today!
Facing a DUI can be overwhelming, but securing reliable auto insurance doesn’t have to be. Insure on the Spot specializes in affordable, high-risk auto insurance tailored specifically for Illinois drivers. With our deep understanding of Chicago-area regulations and SR-22 requirements, we offer solutions to help you get back on the road safely. Take the first step toward regaining your driving privileges—call Insure on the Spot at 773-202-5060 or get your Free Quote Online Today!