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The cost of car insurance varies depending on your age, marital status, mileage, driving history, and more.

Most insurance companies offer a cheaper price to drivers with good records. But if you have been cited or have tickets on your record, then your insurance premiums will likely go up.

However, comparison shopping can help you save money on your car insurance premiums. Our research for drivers with a clean record can help you save on car insurance. But if you have a bad driving record, then you'll have to pay more for car insurance.

Worry not! We are here to help. Our team of experts has analyzed hundreds of companies to find the cheapest rates available for drivers with less than perfect records.

Cheapest insurance for high-risk drivers in Illinois with an at-fault accident

American Family offers the cheapest car insurance rates for drivers with an accident record. With an average annual rate of $1,232 per year after the accident, American Family rates are 41.25% cheaper than the Illinois state average (rates after the accident) and $1,855 Less than the national average of $3,087 (rates after the accident).

However, you can save on your insurance by comparing price quotes from multiple insurers.

CompanyAvg Annual Premium
American Family$1,232
State Farm$1,342
Geico$1,347
Auto-Owners$1,359
Nationwide$1,496
Travelers$1,622
Erie$1,670

Auto insurance for high-risk drivers in Illinois with a DUI

State Farm offers the cheapest car insurance for high-risk drivers with a DUI in Illinois. It costs $1,236 a year on average for a full coverage policy after a DUI. If you get pulled over for driving under the influence, your car insurance rates will likely skyrocket. Having a DUI on your driving record can make it difficult to get car insurance because auto insurers often designate drivers who have been convicted of DUI as high-risk. The cost of auto insurance can vary widely after a DUI, depending on your state and the insurer. Based on our rate data analysis, we have put together a list of the companies that offer cheap car insurance for drivers with a DUI in Illinois.

CompanyAvg Annual Premium
State Farm$1,236
Mercury$1,894
American Family$2,025
Geico$2,042
Progressive$2,133
Travelers$2,150
Erie$2,300

Car insurance rates for high-risk drivers in Illinois with speeding tickets

The cheapest insurance carrier for drivers with speeding tickets on their record is State Farm. It offers full coverage insurance to Illinois drivers for $1,236 per year or $103 monthly. If you get a speeding ticket, your car insurance company will likely raise your rates when it comes time to renew your policy. But comparison shopping can help you trim your insurance cost overall.

CompanyAvg Annual Premium
State Farm$1,236
Geico$1,320
Nationwide$1,349
Erie$1,459
Auto-Owners$1,493
American Family$1,599
Travelers$1,617

Illinois car insurance rates for high-risk drivers with poor credit

Nationwide is the cheapest insurance company for high-risk drivers with poor credit. On average, the cost $1,320 per year for a full coverage policy in Illinois. Insurers use your credit score as one factor when deciding how much to charge for coverage. If you're paying too high because of this, switching companies could save money in the long run.

CompanyAvg Annual Premium
Nationwide$1,320
Mercury$1,574
Geico$1,604
Travelers$1,779
American Family$2,067
Farmers$2,447
State Farm$2,456

How much is car insurance for high-risk drivers in Illinois with SR22?

The cheapest auto insurance for high-risk drivers in Illinois with an SR-22 is Geico with an average annual cost of $1,271 or $106 per month.

If you have a DUI or DWI conviction on your driving record, you might need your insurance company to file an SR-22 form with the state DMV in your name. SR-22 is a guarantee from a car insurance company to the state that you have the legally mandated coverage.

CompanyAvg Annual Premium
Geico$1,271
Mercury$1,360
American Family$1,363
State Farm$1,412
Travelers$1,434
Nationwide$1,453
Progressive$1,485