Non-standard Auto Insurance for Illinois Drivers With DUIs

Non-standard auto insurance is designed for high-risk drivers who may not qualify for standard insurance policies. This category typically includes drivers who have experienced the following:

• DUI convictions—A DUI on your record significantly increases your risk profile, making it harder to obtain standard insurance.
• Multiple traffic violations—Frequent traffic infractions can lead to higher premiums and limited coverage options.
• Poor credit history—A low credit score can affect your ability to secure affordable insurance.
• Lapsed insurance coverage—Gaps in your insurance history can also categorize you as a high-risk driver.

Why Non-standard Insurance Is Necessary for DUI Drivers

Drivers with DUIs face unique challenges when it comes to obtaining auto insurance. Here are some reasons why non-standard insurance is often necessary:

• Higher risk assessment—Insurance companies view DUI drivers as high-risk due to the increased likelihood of accidents and claims.
• State requirements—Illinois law mandates that drivers with a DUI must file an SR-22 form, which certifies that they carry the minimum required liability insurance. Non-standard insurers are familiar with this process and can assist in filing the SR-22.
• Limited options—Standard insurers may refuse coverage to DUI drivers, leaving non-standard insurance as the primary option.

Tips for Finding Non-standard Auto Insurance

Shop around and compare quotes from multiple non-standard insurers to find the most affordable option. Some insurers offer discounts for completing defensive driving courses or installing safety devices in your vehicle.

An insurance agent specializing in high-risk policies can help you navigate the process and find the best coverage.

Contact Us

Contact Bicent Insuremart Agency, Inc. in in Berwyn, IL, for a non-standard auto insurance quote.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.