- Cheapest car insurance in Illinois for a bad driving record
- How much is high-risk car insurance in Illinois?
- Cheapest car insurance in Illinois with a DUI
- Cheapest car insurance in Illinois with multiple tickets
- Cheapest car insurance in Illinois with a reckless driving conviction
- Cheapest car insurance in Illinois with bad credit
- Cheapest car insurance after an accident in Illinois
- Cheapest car insurance in Illinois by city
- How to reduce car insurance rates in Illinois for a bad driving record
- Illinois car insurance laws for high-risk drivers
- Methodology
- Compare Illinois high-risk driver car insurance rates with other states
Cheapest car insurance in Illinois for a bad driving record
Auto Club Group - ACG (AAA), Travelers, Progressive provides affordable car insurance for high-risk drivers with bad driving record in Illinois.
Traffic infractions, accidents and DUIs wind up on your driving record, meaning youâ??ll pay higher car insurance rates in addition to any fines assessed. While most violations only affect your insurance rates for a few years, a DUI may affect rates for a decade and never be removed from your record.
| Company | Average annual premium for clean record | Annual premium for high-risk driver |
|---|---|---|
| Auto Club Group - ACG (AAA) | $979 | $1,576 |
| Travelers | $1,119 | $1,681 |
| Progressive | $1,412 | $2,031 |
| Erie Insurance | $1,489 | $2,069 |
| GEICO | $1,178 | $2,355 |
| State Farm | $1,633 | $2,626 |
| Auto-Owners | $1,426 | $2,870 |
| Allstate | $2,742 | $3,952 |
| USAA | $1,745 | $2,648 |
How much is high-risk car insurance in Illinois?
A problematic driving record or poor credit score may mean higher insurance rates, but affordable options exist. In Illinois, high-risk car insurance costs $2,409 per year. However, you can get rates as low as $1,576 annually from Auto Club Group - ACG (AAA).
Although you may be labeled high-risk for many reasons, some factors raise rates more than others. For example, multiple speeding tickets may significantly raise car insurance rates, but so can a single ticket for excessive speed in a school zone.
Read on as we explain high-risk car insurance factors and rates below.
Select your state and risk factor below to see the insurance company and its
average annual full coverage rates.
| Company | Annual premium for clean record | Annual premium after violation |
|---|---|---|
| Auto Club Group - ACG (AAA) | $979 | $1,258 |
| Travelers | $1,119 | $1,673 |
| Auto-Owners | $1,426 | $1,825 |
| State Farm | $1,633 | $1,881 |
| Erie Insurance | $1,489 | $2,015 |
| GEICO | $1,178 | $2,039 |
| Progressive | $1,412 | $2,238 |
| Allstate | $2,742 | $5,071 |
PEOPLE ASK:
Who is considered high-risk for insurance in Illinois?
Each insurance company has its own rules for deciding who is a high-risk driver. But usually, things like a DUI, several tickets or accidents, or serious violations like reckless driving will put you in the high-risk category.
Cheapest car insurance in Illinois with a DUI
Although many insurance companies provide coverage after a DUI, Progressive offers the most affordable rate at $1,728 a year.
Driving under the influence (DUI) is a serious traffic violation that damages your driving record. It can raise auto insurance premiums for nearly 10 years, on top of fines and other penalties. Multiple DUIs drive rates even higher, but consistent safe driving over time can gradually lead to lower premiums.
The table below compares average car insurance premiums in Illinois for drivers with a clean record versus those with a DUI.
| Company | Average annual premium for clean record | Annual premium for a DUI |
|---|---|---|
| Progressive | $1,412 | $1,728 |
| State Farm | $1,633 | $1,741 |
| Travelers | $1,119 | $1,759 |
| Auto Club Group - ACG (AAA) | $979 | $2,090 |
| Erie Insurance | $1,489 | $2,382 |
| GEICO | $1,178 | $2,657 |
| Auto-Owners | $1,426 | $2,738 |
| Allstate | $2,742 | $4,343 |
| USAA | $1,745 | $3,727 |
Cheapest car insurance in Illinois with multiple tickets
For drivers with multiple tickets, Auto Club Group - ACG (AAA) offers the lowest premiums, averaging $1,223 per year or $102 per month.
A single ticket can raise your car insurance premiums, but multiple tickets will push them even higher. Repeatedly violating speed limits and other traffic laws signals risky behavior, increasing the likelihood that insurers will have to pay claims.
This table shows drivers in Illinois how much having multiple tickets can raise their insurance premiums.
| Company | Average annual premium for clean record | Annual premium with a speeding ticket |
|---|---|---|
| Auto Club Group - ACG (AAA) | $979 | $1,223 |
| Travelers | $1,119 | $1,607 |
| Erie Insurance | $1,489 | $1,648 |
| State Farm | $1,633 | $1,741 |
| Progressive | $1,412 | $1,981 |
| GEICO | $1,178 | $2,119 |
| Auto-Owners | $1,426 | $2,292 |
| Allstate | $2,742 | $3,630 |
| USAA | $1,745 | $2,227 |
Cheapest car insurance in Illinois with a reckless driving conviction
Erie Insurance offers the most affordable rates for drivers with reckless driving convictions, averaging $1,648 per year.
Engaging in driving behaviors that put others at risk can lead to a reckless driving charge. A conviction for reckless driving results in higher car insurance rates.
The table below compares car insurance premiums for drivers with a clean record and those with a reckless driving conviction.
| Company | Average annual premium for clean record | Annual premium for reckless driving |
|---|---|---|
| Erie Insurance | $1,489 | $1,648 |
| State Farm | $1,633 | $1,741 |
| Travelers | $1,119 | $1,759 |
| Auto Club Group - ACG (AAA) | $979 | $2,090 |
| Progressive | $1,412 | $2,116 |
| GEICO | $1,178 | $2,657 |
| Auto-Owners | $1,426 | $2,738 |
| Allstate | $2,742 | $4,343 |
| USAA | $1,745 | $2,491 |
Cheapest car insurance in Illinois with bad credit
The cheapest Illinois insurer for bad credit is Auto Club Group - ACG (AAA), with rates averaging $1,614 annually or $135 monthly. Fortunately, drivers with bad credit can still find affordable auto insurance.
Although unrelated to your performance behind the wheel, your credit score also impacts car insurance rates and can put you in the high-risk category. To an insurance company, high-risk means more likely to file a claimAn insurance claim is a request you make to your insurance company for coverage after your car is damaged or you have an accident. You can file a claim online, by phone, or in writing., and statistically, drivers with a low credit score fit that description.
Check out the table below to see how your credit score affects Illinois car insurance.
| Company | Annual premium for good credit | Annual premium for bad credit |
|---|---|---|
| Auto Club Group - ACG (AAA) | $979 | $1,614 |
| Travelers | $1,119 | $1,745 |
| Progressive | $1,412 | $2,398 |
| GEICO | $1,178 | $2,461 |
| Erie Insurance | $1,489 | $3,437 |
| Allstate | $2,742 | $4,137 |
| Auto-Owners | $1,426 | $4,291 |
| State Farm | $1,633 | $7,048 |
| USAA | $1,745 | $2,989 |
Cheapest car insurance after an accident in Illinois
Auto Club Group - ACG (AAA) offers the lowest rates after an accident, averaging $1,258 per year. Travelers is another budget-friendly option, with rates around $1,626 a year.
Drivers with accidents on their record typically pay higher insurance rates than those with a clean record. While car insurance rates may increase after one accident, multiple accidents can increase rates even more.
This table shows rates for drivers with a clean record, one at-fault accident and multiple accidents.
| Company | Average annual premium for clean record | Annual premium for one at-fault accident | Annual premium for multiple accident |
|---|---|---|---|
| Auto Club Group - ACG (AAA) | $979 | $1,258 | $1,533 |
| Travelers | $1,119 | $1,626 | $2,092 |
| Auto-Owners | $1,426 | $1,825 | $2,172 |
| State Farm | $1,633 | $1,881 | $1,881 |
| Erie Insurance | $1,489 | $2,015 | $2,871 |
| GEICO | $1,178 | $2,039 | $3,159 |
| Progressive | $1,412 | $2,238 | $3,190 |
| Allstate | $2,742 | $5,071 | $7,040 |
| USAA | $1,745 | $2,662 | $4,131 |
Cheapest car insurance in Illinois by city
In Illinois, the lowest car insurance rates are found in Bloomington, averaging $2,079 annually. On the other hand, Chicago has the highest rates at $3,064 a year.
Where you live in Illinois matters, too. If you're in an area with heavy traffic or a high rate of vehicle theft, your premiums will rise to reflect the increased likelihood of claims.
| City | Average annual premium for clean record | Annual premium for high-risk driver |
|---|---|---|
| Bloomington | $1,331 | $2,079 |
| Mount Carmel | $1,455 | $2,217 |
| Crystal Lake | $1,419 | $2,240 |
| Decatur | $1,482 | $2,325 |
| Aurora | $1,476 | $2,328 |
| Arlington Heights | $1,484 | $2,351 |
| Elgin | $1,502 | $2,380 |
| Crest Hill | $1,554 | $2,449 |
| Joliet | $1,574 | $2,488 |
| Des Plaines | $1,696 | $2,698 |
| Chicago | $1,930 | $3,064 |
How to reduce car insurance rates in Illinois for a bad driving record
Finding affordable car insurance in Illinois is possible, even with a bad driving record. Ways to lower car insurance rates include:
Where you live in Illinois also affects car insurance rates. For example, if you live in a high-traffic or high-theft area, rates will increase because your vehicle is more likely to be damaged or stolen.
- Carefully consider filing claims. Paying for minor damage out of pocket may be cheaper than filing an insurance claim and increasing rates for years.
- Avoid costly infractions. Drive carefully to avoid adding traffic infractions to your record. Tickets only affect insurance rates for a few years, which will decrease if more tickets aren't added.
- Improve your credit score. Raising your credit score lowers car insurance rates. Make on-time payments and consider credit usage to improve your rating.
- Take a defensive driving course. Many insurance companies offer a discount for doing so, and some states remove driver's license points for successfully completing the class.
- Shop around for coverage. Every car insurance company weighs factors differently and offers different rates. Compare quotes to find the cheapest rates.
PEOPLE ASK:
How long are you considered a high-risk driver in Illinois?
Three years is common, but how long you are considered a high-risk driver in California depends on the insurance company's guidelines. The state determines how long a violation stays on your record, but the insurance company determines how long you're charged for that violation.
Illinois car insurance laws for high-risk drivers
If you're a high-risk driver in Illinois, you might need to file an SR-22. This is a form that your car insurance company sends in to show you have the required minimum insurance coverage. The court will let you know how long you need to keep the SR-22.
An SR-22 isn't a type of insurance; it's just a form. You don't need special coverage, but your rates might be higher because you're considered high-risk. Also, not all insurance companies offer coverage for high-risk drivers or handle SR-22 filings.
Methodology
170+
insurance companies analyzed
34,000+
ZIP codes examined
$53M
insurance quotes analyzed
National and state average rates are based on three coverage levels: state minimum, 50/100/50 liability-only, and full coverage with 100/300/100 liability and $500 deductibles.
All base rate averages are based on our full coverage data set. This data set is based on:
- Bodily injury liability of $100,000 per person and $300,000 per incident
- Property damage liability of $100,000 per incident
- Comprehensive and collision deductibles of $500
- 40-year-old driver
- Honda Accord LX
- Good credit
- A clean driving record
- 12-mile commute, 10,000 annual mileage
Our data is then adjusted to reflect the rate increase from this base rate for the following infractions and issue:
- DUI
- Reckless driving
- Multiple speeding tickets
- Bad credit
- One at-fault accident over $2,000
Compare Illinois high-risk driver car insurance rates with other states
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