Updated May 2026
Minimum Coverage Requirements in Illinois
Illinois operates under a traditional tort system with mandatory liability insurance. The Secretary of State's office oversees driver's license reinstatement and Restricted Driving Permit (RDP) issuance. After a DUI conviction, your license is suspended for a minimum of 6 months (first offense) or 1 year (second offense), but you can apply for an RDP immediately if you install a BAIID through the Secretary of State's BAIID program.
How Much Does Car Insurance Cost in Illinois?
DUI conviction in Illinois increases premiums by 80% to 150% on average. Carriers classify DUI as a major violation, and the SR-22 filing requirement signals continuous high-risk monitoring. Your rate depends on offense number, BAC level, prior violations, age, county, and whether the conviction included property damage or injury.
What Affects Your Rate
- BAC level at arrest — refusal or BAC over .15 increases premiums by an additional 20% to 40% compared to BAC between .08 and .14.
- County of residence — Cook County DUI rates average $380/mo for standard SR-22 coverage, while downstate counties like Champaign or Sangamon average $260/mo due to lower claim frequency.
- Second offense — a second DUI conviction within 5 years doubles premiums compared to first offense and disqualifies you from several non-standard carriers entirely.
- BAIID violations — any failed start attempt, tampering alert, or missed rolling retest logged by your ignition interlock device is reported to the Secretary of State and typically increases your premium by 10% to 25% at the next renewal.
- Age and gender — male drivers under 30 with a DUI conviction pay 30% to 50% more than female drivers or drivers over 40 with identical violations.
- Prior insurance lapse — if your policy was cancelled for non-payment before the DUI, expect an additional $40 to $80 per month surcharge during the SR-22 filing period.
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SR-22 Insurance
A certificate your insurer files with the Illinois Secretary of State proving you carry at least minimum liability coverage. Required for 3 years after DUI conviction.
Non-Owner SR-22 Insurance
Liability-only SR-22 policy for drivers who don't own a vehicle. Covers you when driving borrowed or rented cars. Satisfies RDP requirements without owning a car.
Ignition Interlock Insurance
Standard auto policy that covers a vehicle equipped with a BAIID. All RDP holders in Illinois must install a state-certified interlock device and maintain insurance on the vehicle where it's installed.
High-Risk Auto Insurance
Coverage from carriers that specialize in high-risk drivers, including DUI offenders. These companies file SR-22 and offer flexible payment plans during the 3-year monitoring period.
Uninsured Motorist Coverage
Covers your injuries and vehicle damage when hit by a driver with no insurance or insufficient coverage. Optional in Illinois but offered with every policy.
Find Your City in Illinois
Sources
- Illinois Secretary of State — BAIID Program Requirements and Restricted Driving Permit Application Process
- Illinois Department of Insurance — SR-22 Certificate of Financial Responsibility Filing Rules
- Illinois Compiled Statutes 625 ILCS 5/6-205 — Restricted Driving Permit Eligibility and Requirements