How Much are Car Insurance Quotes for Drivers with a DUI in Illinois?

Finding dependable, reasonably-priced car insurance is not the easiest thing to do, and deciding which companies offer the cheapest auto insurance rates for drivers with a DUI will require even more shopping around. Insurance prices could be significantly more expensive than the state average, with the increase attributed to the potentially higher risk associated with selling insurance after getting a DUI, but competitively-priced insurance may be attainable if you are thorough.

Each insurer uses a slightly different approach to set their prices, so let’s begin by examining the overall cheapest auto insurance companies in Illinois. It’s important to understand that Illinois auto insurance rates are impacted by many things that may substantially change the price you pay for coverage. Taking a driver safety course, buying a newer car, or getting a few speeding tickets can cause premium changes that can now make some companies cheaper than before.

Cheap Insurance Rates after a DUI

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The Hartford normally has some of the lowest car insurance rates in Illinois at around $776 per year. Rockford Mutual, Titan, Erie, and Cincinnati Insurance would also make the list of some of the cheaper Illinois insurance companies.

As the rates illustrate above, if you are a policyholder with Erie and switched to Rockford Mutual, you could earn an annual savings of approxmiately $31. Policyholders with Cincinnati Insurance may save as much as $50 a year, and Utica National customers might realize rate reductions of up to $99 a year.

Bear in mind that those rates are averaged for all types of drivers and the different vehicles they drive and do not take into consideration a rate surcharge for drivers with a DUI. So the insurer that can offer the best rates for your situation may not even be in the list of companies above. That underscores the importance of why you need to compare rates from multiple companies using your own specific driver information and vehicle.

When shopping for car insurance after getting a DUI, one of the many criteria that car insurance companies use to calculate the amount you pay each year for auto insurance is where you keep your car. Areas that are more densely populated like Cicero, Berwyn, and Des Plaines tend to have higher rates, whereas areas with less people or fewer weather incidents get the luxury of paying less.

The illustration below illustrates the most expensive areas in Illinois for drivers with a DUI to purchase a policy in.

Premium costs are approximated as specific location information can raise or lower prices greatly.

Best rates: Allstate, State Farm, Progressive, or Geico

If you are looking for the best car insurance after getting a DUI in Illinois, probably the best companies to start with are Allstate, State Farm, Progressive, and Geico. The data below breaks down some of the ratings and options shoppers can expect to find with each one.