It’s one of the oldest pieces of driving advice in the book: keep a clean driving record if you don’t want your insurance rates to go way up. Getting in an at-fault accident (or even one that wasn’t your fault) can cost you a lot in terms of medical bills, repair costs, and lost time.

But for Illinois drivers, an accident isn’t the only thing that can send your insurance premiums into the stratosphere. There are a number of less deadly traffic violations that can wreak havoc on your annual premiums, hiking them up by 70% or even more. In this article, we’ll dig into these violations and talk about the consequences of each.

1. Racing

Street racing has been going on for about as long as there have been automobiles and streets to race them on — but they’re highly dangerous and in most of the United States, illegal. Racing violations are considered reckless behavior by insurance companies, marking the driver as a high-risk threat — and incurring larger auto insurance premiums.

Picking up a street racing violation can not only bring about hefty fines in Illinois but could also lead to your license being suspended or even criminal charges. A first offense may be nothing more than a misdemeanor, but speed, prior offenses, or a major accident can easily result in felony charges.

2. Driving With a Suspended License

Not all traffic violations are a result of reckless driving or accidents. Disregarding the law can be a serious offense as well, especially when it comes to driving without a license. In Illinois, your first citation for driving with a suspended license carries a maximum $500 fine. After the first citation, the fines can go up to $2,500 as well as up to a year in jail. Repeated offenses will upgrade the charge from a misdemeanor to a Class 1 felony, which could result in fines of up to $25,000 as well as jail time. Should you be involved in an at-fault accident that causes the death of another person, you’ll be looking at a class 4 felony. You’re also likely to see your license permanently revoked and your license plates seized by the court.

3. Refusal to Submit to a Chemical Test

If you are pulled over on suspicion of driving while under the influence, law enforcement officers may conduct a field sobriety test, including a chemical test (such as a breathalyzer). You are within your rights to refuse such a test, but the consequences could be severe. Refusing a chemical test may be seen as an attempt to conceal a potential DUI offense, which insurers will almost certainly see as high-risk behavior.

How much will your insurance premiums go up as a result? For that, we can turn to Renata Balasco at insurance comparison site The Zebra, who shows your insurance premiums will go up a whopping 83% — up to $2700 a year or more in Illinois, a hike of more than $1200 annually. That’s in addition to any other fines or penalties issued by the court.

4. DUI (Driving Under the Influence)

Driving while under the influence of drugs or alcohol is a violation the state of Illinois takes very seriously. Your first offense will result in the loss of your driving privileges for six months; your second offense a year. (It’s worth noting that your second time refusing to submit to a chemical test could result in your driving privileges being revoked for three years.) You could also be facing jail time of up to 1 year and fines up to $2,500. Prior convictions, higher blood alcohol content, and involvement in accidents mean a steep increase in these penalties.

As for what such a conviction will do your insurance premiums — per numbers from The Zebra, your insurance premiums will go up just as much from an actual DUI as they will from refusing to submit to a chemical test.

5. Leaving the Scene of an Accident (Hit and Run)

One of the most serious crimes a driver in Illinois (or anywhere else) can commit is fleeing the scene of an accident. Your insurance premiums will soar by 87% (over $1300 a year), making cheap Illinois car insurance a thing of your past but that’s likely to be the least of your problems.

A hit-and-run conviction might be a misdemeanor if no serious damage was done. But an accident that causes an injury will turn into a class 4 felony if you flee the scene. This could mean up to $25,000 in fines and three years in jail. You’ll also pick up an additional felony count for failing to report the accident to the police.

If the hit-and-run causes the death of another party, you could be found guilty of a class 4 felony, with similar penalties to the above, plus the revocation of your driver’s license. Failing to report a fatal accident for which you are at fault could mean a prison term of up to 15 years.