A DUI/DWI conviction, driver’s license suspension or revocation, or related accident or traffic violation may significantly increase a driver’s insurance rate (by an average of 80%)—and two or more DUI/DWI convictions may make it difficult for a driver to acquire the insurance necessary to operate a vehicle.
In Illinois, a DUI (Driving Under the Influence) or DWI (Driving While Intoxicated) conviction can have a substantial impact on a driver's car insurance rates. Illinois law considers DUI offenses seriously, and as a result, insurance companies may increase premiums by an average of 80% or more following such a conviction. This is because a DUI/DWI conviction indicates a higher risk for insurers. Additionally, multiple DUI/DWI convictions can lead to even more severe consequences, including the possibility of insurance companies refusing to provide coverage. This can make it challenging for drivers with multiple offenses to find the necessary insurance to legally operate a vehicle. Furthermore, Illinois may suspend or revoke a driver's license following a DUI/DWI conviction or related traffic violation, which also contributes to increased insurance costs once the driver is eligible to be re-licensed. It's important to note that the duration of increased rates and the ability to acquire insurance can vary based on the individual's driving record, the severity of the offense, and the insurance company's policies.