Car Insurance After a DUI in Illinois: Cheapest Companies & Rates (2026)
A DUI in Illinois increases car insurance rates by an average of 83%, raising a typical full coverage policy from $1,866/year to $3,415/year. That's an increase of $1,549/year ($129/month). Rates typically return to normal after 3-7 years.
DUI Rate Impact in Illinois
Before DUI
$156/mo
$1,866/year full coverage
After DUI (+83%)
$285/mo
$3,415/year full coverage
Cheapest Companies After DUI in Illinois
| Company | Monthly | Annual | Best For |
|---|---|---|---|
| CheapestUSAA | $211/mo | $2,527/yr | Military families |
| Erie Insurance | $225/mo | $2,698/yr | Rate lock guarantee |
| GEICO | $233/mo | $2,800/yr | Clean driving record |
| Progressive | $250/mo | $3,005/yr | Telematics savings |
| State Farm | $259/mo | $3,108/yr | Good students |
| Travelers | $270/mo | $3,244/yr | Multiple discounts |
| Nationwide | $296/mo | $3,552/yr | Bundling home + auto |
| Farmers | $307/mo | $3,688/yr | Signal telematics |
| Allstate | $319/mo | $3,825/yr | Accident forgiveness |
| Liberty Mutual | $336/mo | $4,030/yr | New car replacement |
Rates based on a 30-year-old driver with one DUI conviction, Illinois, full coverage. Updated March 2026.
These are estimates based on state averages. Your exact rate depends on your specific profile.
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DUI Legal Consequences in Illinois
- License suspension for 90 days to 1 year (first offense)
- Fines ranging from $500 to $5,000+
- Mandatory alcohol education or treatment program
- Possible ignition interlock device requirement
- SR-22 insurance filing required for 3 years
- Potential jail time (varies by BAC level and prior offenses)
SR-22 Insurance in Illinois
An SR-22 is a certificate of financial responsibility that your insurer files with the state. It's not a type of insurance — it's proof that you carry at least the state minimum coverage.
- Filing fee: $15-50 (one-time)
- Duration: 3 years in Illinois
- Lapsing your SR-22 triggers immediate license suspension
- Not all insurers offer SR-22 — Progressive, GEICO, and State Farm do
When Do Rates Return to Normal?
| Years After DUI | Estimated Monthly Rate | vs. Clean Record |
|---|---|---|
| Year 0 | $285/mo | +83% |
| Year 1 | $272/mo | +75% |
| Year 2 | $252/mo | +62% |
| Year 3 | $220/mo | +42% |
| Year 5 | $181/mo | +17% |
| Year 7 | $156/mo | Normal |