The cost of car insurance varies depending on your age, marital status, mileage, driving history, and more. Most insurance companies offer a lower price to drivers with good records. But, if you have been cited or have tickets on your record in Illinois, your insurance premiums will likely increase.
Experts at Insurance.com have analyzed the rates of various companies to find the cheapest car insurance available for high-risk drivers in Illinois. Keep reading to learn more.
- Cheapest car insurance for high-risk drivers in Illinois with an at-fault accident
- Car insurance for high-risk drivers in Illinois with a DUI
- Cheapest car insurance for high-risk drivers in Illinois with speeding tickets
- Cheapest insurance for high-risk drivers in Illinois with poor credit
- Car insurance for high-risk drivers in Illinois with SR22
- Methodology
Cheapest car insurance for high-risk drivers in Illinois with an at-fault accident
At $1,232 per year, American Family offers the cheapest car insurance rates for drivers with at-fault accident in Illinois. The rates of American Family are 41.25% less than the state average and $1,855 Less than the national average.
However, you can save on your insurance by comparing price quotes from multiple insurers.
Below are the average annual rates of carriers providing coverage for drivers with an at-fault accident.
| Company | Avg 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 |
Car insurance for high-risk drivers in Illinois with a DUI
If you get pulled over for driving under the influence, your car insurance rates will increase considerably as auto insurers often designate drivers convicted of DUI as high-risk.
In Illinois, State Farm offers the cheapest full coverage car insurance for drivers with a DUI at $1,236 a year.
Here’s the list of the companies offering cheap car insurance for drivers with a DUI in Illinois.
| Company | Avg 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 |
Cheapest car insurance for high-risk drivers in Illinois with speeding tickets
The cheapest insurance carrier for Illinois drivers with speeding tickets is State Farm. It offers full coverage insurance at $1,236 per year or $103 monthly.
Find out car insurance rates different carriers offer in Illinois for drivers with speeding tickets
| Company | Avg 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 |
Cheapest insurance for high-risk drivers in Illinois with poor credit
In Illinois Nationwide is the cheapest insurance company for drivers with poor credit. Illinois drivers with poor credit pay an average of $1,320 per year for a full coverage policy.
Here’s how much different carriers charge for car insurance to drivers with poor credit in Illinois
| Company | Avg 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 |
Car insurance for high-risk drivers in Illinois with SR22
If you have SR22 on your driving record, insurance companies see you as a high-risk driver and charge more for policies. The cheapest auto insurance in Illinois for drivers 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, your insurance company might need to file an SR-22 form with the state DMV in your name.
See below the car insurance premiums different insurance carriers offer for drivers with SR-22 in Illinois
| Company | Avg 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 |
Methodology
Data was provided in 2022 for Insurance.com by Quadrant Information Services. Rates are based on the driving profile of a 40-year-old male driver with a Honda Accord LX for a full-coverage policy (100/300/100 with a $500 deductible).
