Cheapest car insurance for high-risk drivers in Illinois

Which company has the cheapest car insurance in Illinois for a bad driving record?

Auto Club Group - ACG (AAA), Travelers and Progressive offer some of the cheapest rates for drivers with poor driving records in Illinois. Among them, Auto Club Group - ACG (AAA) has the lowest average premiumThe payment required for an insurance policy to remain in force. Auto insurance premiums are quoted for either 6-month or annual policy periods. at $1,576 annually.

If you have accidents, tickets or a DUI on your record, insurance companies will charge higher rates. Serious violations may affect your premiums for years, especially if you have multiple offenses.

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

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How much is high-risk car insurance in Illinois?

The average cost of high-risk car insurance in Illinois is $2,409 per year. Depending on your driving history and insurer, you may be able to find rates as low as $1,576 annually.

Several factors can classify you as a high-risk driver, but some raise your premiums more than others. For example, receiving multiple speeding tickets, or one in a school zone, will increase your rates more than a single basic speeding ticket.

Keep reading as we break down the factors that make you a high-risk driver and what you can expect to pay for car insurance.

Average annual car insurance rate for At-fault bodily injury accident in Illinois, IL is $2,429

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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

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Average annual rate

People ask

Who is considered a high-risk driver 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.

What company offers the cheapest car insurance in Illinois after a DUI?

Progressive has the cheapest average DUI insurance rates in Illinois at $1,728 annually.

Driving under the influence (DUI) is a major traffic violation that will hurt your driving record. It can increase auto insurance rates for almost a decade, in addition to fines and other penalties. Multiple DUIs will increase your premiums even more, but improving your driving habits can help you get better rates over time.

The table below shows the average car insurance rates for a clean record vs. a DUI in Illinois.

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

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What is the cheapest car insurance in Illinois with multiple tickets?

Auto Club Group - ACG (AAA) is the cheapest car insurance company for drivers with multiple traffic tickets, with an average rate of $1,223 a year or $102 a month.

While one traffic ticket can affect car insurance rates, multiple tickets can significantly increase those rates. Failure to obey speed limits and traffic laws leads insurers to believe they will eventually have to pay claims due to risky driving.

This table shows Illinois drivers how much multiple tickets increase 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

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Expert's Insight Two minor tickets can sometimes cost you more on your insurance than one major violation.

Which company offers the cheapest insurance for reckless driving in Illinois?

Erie Insurance offers the cheapest average reckless driving insurance rates in Illinois at $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

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Expert's Insight Some insurers may limit your coverage options after a reckless driving conviction, making quote comparisons even more important.

Which company has the cheapest car insurance for drivers with bad credit in Illinois?

The cheapest Illinois insurer for bad credit is Auto Club Group - ACG (AAA), with rates averaging $1,614 per year or $135 per month. The good news is that drivers with bad credit can still get affordable auto insurance.

Your credit score may not be related to your driving skills, but it can affect your car insurance rates and put you in a higher-risk category. From an insurer's perspective, higher risk means an increased chance of filing 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 statistics show that drivers with lower credit scores are in this category.

Check 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

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What company has the cheapest car insurance in Illinois after an accident?

Auto Club Group - ACG (AAA) has the cheapest average rates after an accident at $1,258 per year. Travelers also offers lower-than-average rates at $1,626 annually.

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

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Expert's Insight Accident forgiveness programs can prevent rate increases, but eligibility varies by insurer, and often only minor accidents qualify.

Which city has the cheapest car insurance for high-risk drivers in Illinois?

Bloomington has the cheapest average high-risk car insurance rates in Illinois at $2,079 per year. In comparison, drivers in Chicago pay the highest average rates at $3,064 annually.

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.

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

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How can high-risk drivers lower their car insurance rates in Illinois?

Even if you're considered a high-risk driver, there are still several ways to lower your insurance premiums in Illinois, including shopping around, taking a defensive driving course and avoiding further infractions.

You may be able to save money by:

Carefully consider filing claims. Covering minor damage out of pocket can be less expensive than filing an insurance claim, which might raise your premiums for years.
Avoid costly infractions. Practice safe driving to prevent additional traffic violations on your record. Tickets typically impact your insurance rates for only a few years, and your premiums may decrease if no new violations occur during that time.
Improve your credit score. Improving your credit score can lower your car insurance premiums. Paying bills on time and managing your credit utilization responsibly will help raise your score.
Take a defensive driving course. Many insurers offer discounts for completing the course, and certain states will even remove points from your driver's license once you complete it.
Shop around for coverage. Each car insurance company evaluates factors differently and sets its own rates. Comparing quotes can help you find the lowest price.

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 Illinoisdepends 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.

What are Illinois's insurance requirements for high-risk drivers?

If you're considered a high-risk driver in Illinois, you may be required to file an SR-22. This form is filled out by your car insurance company, stating that you have at least the minimum required coverage. The court will let you know how long you must file an SR-22.

An SR-22 is not an insurance policy and doesn't require special coverage, but rates are much higher for high-risk drivers, and not all carriers insure such drivers.

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

FAQ: High-risk car insurance in Illinois

Can high-risk drivers get full coverage car insurance in Illinois?

Yes, you can get full coverage insurance as a high-risk driver. However, you can expect it to cost a lot more than liability-only coverage.

Does an SR-22 automatically make your insurance more expensive in Illinois?

Although the SR-22 doesn't increase your rates, the reason for needing it does, since only drivers with major violations require an SR-22; rates will go up. An SR-22 is the form the insurance company has to file with the state, and by itself, it doesn't increase your rates.

Will my car insurance rates go down after three years in Illinois?

It's likely that your insurance will go down after three years, although, depending on the violation, you may still be paying higher rates than you were before it happened.