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DUI Effects on Car Insurance

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Obtaining car insurance after you've been charged with a DUI (Driving Under the Influence) can prove to be a challenging task. Most major car insurance companies will not give you coverage and those that will cover you charge an arm and leg for premiums. If you're a first-time DUI offender, this doesn't seem very fair, right? If you're currently insured (In Illinois you have to be insured), it's possible that your insurance premium may not go up at all. Many insurance companies check your record every few years. However, if or when they do find out, they could raise your rates or even cancel your insurance.

Insurance companies will increase premiums after a drunk driving conviction by as much as two or three times. In most cases, this is simply price gouging as the statistical incidence of accidents caused by convicted first offenders is far below the level that would justify the increases. There are no laws in Illinois regulating the premiums charged, however; they vary wildly from one company to another and certainly justify comparison shopping.