Commercial Insurance Business Owners Policy (BOP) Commercial Auto Commercial Flood Commercial Property Commercial Umbrella Data Breach Directors & Officers (D&O) Employment Practices Liability Environmental - Pollution Liability General Liability Product Liability Professional Liability (E&O) Workers Comp Personal Insurance

Progressive DUI Insurance Illinois

If you’ve recently been convicted of a DUI/DWI in Illinois, it’s important to understand how it can impact your car insurance premiums. Driving under the influence is a serious offense that significantly affects your driving record and can result in higher insurance rates.

What Are the Costs of Illinois Car Insurance After a DUI/DWI?

When you are convicted of a DUI/DWI, insurance companies typically consider you a high-risk driver. This designation is based on the increased likelihood of you being involved in an accident and filing claims. As a result, your insurance premiums are likely to increase significantly. In some cases, insurance rates may double or even triple.

Insurance providers in Illinois use various factors to determine premiums, including your driving record, age, gender, type of vehicle, and credit history. However, a DUI/DWI conviction can have a profound impact on your rates, as it is considered a major violation.

Mitigating the Impact on Your Car Insurance Premiums

While a DUI/DWI conviction will undoubtedly lead to higher insurance premiums, there are steps you can take to mitigate the impact:

Shop Around

It’s important to compare rates from multiple insurance providers. Some companies specialize in serving high-risk drivers and may offer more competitive rates than others.

Defensive Driving Courses

Completing a defensive driving course can demonstrate your commitment to safe driving and may qualify you for certain discounts.

Maintain a Clean Record

Avoid any further traffic violations or accidents. Over time, as the DUI/DWI conviction becomes less recent, insurance companies may be willing to reduce your premiums.

Get the Right Coverage After a DUI/DWI

Navigating the complexities of car insurance premiums after a DUI/DWI can be overwhelming. At EKinsurance, we have the expertise to help you find the right coverage at the best possible rates. Our experienced agents are well-versed in working with high-risk drivers and can assist you in understanding your options.

Scroll to Top