My 20 year old daughter just received a DUI in Chicago Illinois. She is making payments on a vehicle I co-signed and the title is under my name and her name. The insurance is also under my insurance policy with her as a driver. What will happen to our car insurance rates?

Ally

Chicago, IL

Since your daughter now has a DUI violation on her driving record, when your insurance carrier finds this out then her car insurance rates, and therefore yours as well since she is on your insurance policy. Insurance providers rating systems vary so you would have to check from your insurance agent to verify how much your daughter’s DUI may affect all of your car insurance rates and for how long.

The Illinois Secretary of State states that a DUI can subject you to high-risk car insurance rates for three years. The IL SOS DUI Fact Book notes that high risk insurance for an individual convicted of a DUI averages an additional (over their normal auto insurance costs) $1500 per year.

If the your car insurance rates go up because of your daughter’s DUI, then you may want to comparison shop for car insurance to check if you can find a better car insurance rate.

My wife recently got charged of DWI. Can I get my own car insurance, so her DWI will not affect my insurance rate in Chicago IL?

Ben

Chicago, IL

An insurance carrier will typically want all household members listed on an auto insurance policy. If you do not want your wife’s DWI violation to affect your car insurance rate you will need to find an insurance company that will exclude her, otherwise you will both need to be on the same insurance policy under most insurance carrier’s guidelines.

To check if your insurance carrier in Chicago IL can provide you with the insurance coverage that you need, you may contact them directly.