A DUI conviction in Illinois can have serious financial and legal consequences that extend far beyond the courtroom. One of the most significant and long-lasting impacts comes in the form of increased car insurance rates. If you’ve been convicted of driving under the influence, understanding how insurance companies respond to such convictions is essential for managing your financial future.

How a DUI Impacts Your Car Insurance

After a DUI conviction, your car insurance company will likely view you as a high-risk driver. This classification usually leads to a dramatic increase in premiums—sometimes doubling or even tripling your previous rate. In some cases, your insurer may decide to cancel your policy altogether.

Illinois law requires drivers with a DUI conviction to file an SR-22 form, a certificate of financial responsibility. This filing not only alerts the state that you have adequate insurance coverage but also notifies your insurer of your DUI conviction, often triggering rate increases or coverage changes.

Duration of the Impact

A DUI conviction in Illinois typically remains on your driving record for life. However, the insurance-related consequences tend to last for about three to five years, depending on your insurer’s policies. During this period, you’ll likely face higher premiums, stricter coverage terms, and limited insurer options.

Steps to Mitigate the Damage

If you’re facing higher premiums, there are a few ways to help reduce the burden:

• Shop around for new insurance providers who may offer better rates for drivers with a DUI.
• Complete a defensive driving course to show responsibility and potentially lower your rates.
• Avoid further infractions—maintaining a clean record is key to gradually lowering your insurance costs over time.

Getting Legal Guidance in Chicago

A DUI conviction affects more than just your driving privileges—it can significantly disrupt your finances and insurance coverage. At Daniel G. Berry, Attorney at Law, we assist Chicago residents in navigating the legal process following a DUI arrest. From defending your rights in court to helping you understand the long-term effects on your insurance, our firm provides the legal support you need to move forward.