Car insurance companies charge more to insure drivers who are at a higher risk of filing a claim. The most common red flags for insurers are serious driving violations like reckless driving or a DUI, multiple tickets or accidents and even bad credit.
The average rate for high-risk car insurance in Illinois is $1,457. High-risk drivers in Illinois can expect to pay between $2,139 and $4,050 for car insurance depending on the reason for the rate increase.
The cheapest insurance in Illinois for high-risk drivers is, on average, State Farm, however, it will vary based on your exact situation.
If you’re a high-risk driver, finding cheap car insurance in Illinois will be more of a challenge. We’ve compared auto insurance rates for high-risk drivers from top companies to help you save.
Key takeaways
- The average cost of high-risk car insurance in Illinois is $1,457, but it varies depending on what’s on your record.
- The average car insurance rate for a driver with a DUI in Illinois is $1,236, while a driver with a reckless driving conviction pays $1,236 on average.
- Bad credit can also land you in the high-risk category, with an average rate of $1,317 in Illinois.
- Cheapest car insurance for high-risk drivers in Illinois
- Average rates for high-risk drivers in Illinois by driving record
- Cheapest car insurance with a DUI
- Cheapest car insurance with multiple tickets
- Cheapest car insurance with a reckless driving conviction
- Cheapest car insurance with bad credit
- Methodology
Cheapest car insurance for high-risk drivers in Illinois
Rates will vary depending on what’s on your driving record, but on average the cheapest car insurance company for high-risk drivers in Illinois is State Farm, followed by Geico and Nationwide.
| Company | Avg Annual Premium | Avg Monthly Premium |
|---|---|---|
| State Farm | $1,457 | $121 |
| Geico | $1,675 | $140 |
| Nationwide | $1,947 | $162 |
| American Family | $1,962 | $163 |
| Travelers | $2,007 | $167 |
| Mercury Insurance | $2,043 | $170 |
| Erie Insurance | $2,089 | $174 |
| Progressive | $2,311 | $193 |
| USAA | $2,440 | $203 |
| Auto-Owners | $2,555 | $213 |
| Farmers | $2,616 | $218 |
| Auto Club Entreprises (AAA) | $3,841 | $320 |
| Allstate | $4,287 | $357 |
| Automobile Club of MI (AAA) | $8,265 | $689 |
Average rates for high-risk drivers in Illinois by driving record
Average cost of car insurance in Illinois for high-risk driver
Select your state and risk factor below to see the insurance company and its
average annual full coverage rates.
| Company name | Average annual premium |
|---|
Cheapest car insurance with a DUI
A DUI will put you into the high-risk category quickly, and you can expect a big jump in your rates. Shopping around can make a big difference, however. The cheapest car insurance company in Illinois for a driver with a DUI is State Farm with an average annual of $1,236 a year.
| Company | Avg Annual Premium | Avg Monthly Premium |
|---|---|---|
| State Farm | $1,236 | $103 |
| Mercury Insurance | $1,535 | $128 |
| Progressive | $1,561 | $130 |
| Geico | $1,565 | $130 |
| American Family | $1,591 | $133 |
| Travelers | $1,803 | $150 |
| Nationwide | $1,918 | $160 |
| Erie Insurance | $1,933 | $161 |
| Auto-Owners | $2,042 | $170 |
| Farmers | $2,086 | $174 |
| USAA | $2,660 | $222 |
| Auto Club Entreprises (AAA) | $3,372 | $281 |
| Allstate | $3,741 | $312 |
| Automobile Club of MI (AAA) | $7,591 | $633 |
Cheapest car insurance with multiple tickets
While a single ticket doesn’t mean you’re high-risk, multiple tickets will worry insurance companies more, resulting in higher rates. In Illinois, the cheapest car insurance with multiple tickets is from Geico. It offers full coverage insurance at $1,230 per year or $103 monthly.
| Company | Avg Annual Premium | Avg Monthly Premium |
|---|---|---|
| Geico | $1,230 | $103 |
| State Farm | $1,236 | $103 |
| Nationwide | $1,488 | $124 |
| Erie Insurance | $1,626 | $136 |
| American Family | $1,727 | $144 |
| Travelers | $1,851 | $154 |
| Mercury Insurance | $1,857 | $155 |
| USAA | $1,864 | $155 |
| Auto-Owners | $2,042 | $170 |
| Progressive | $2,083 | $174 |
| Farmers | $2,383 | $199 |
| Auto Club Entreprises (AAA) | $3,112 | $259 |
| Allstate | $3,465 | $289 |
| Automobile Club of MI (AAA) | $4,329 | $361 |
Cheapest car insurance with a reckless driving conviction
Reckless driving is a serious violation and indicates you drive in a very risky manner, which means higher insurance rates. In Illinois, State Farm offers the cheapest full coverage car insurance for drivers with a reckless driving conviction at $1,236 a year.
| Company | Avg Annual Premium | Avg Monthly Premium |
|---|---|---|
| State Farm | $1,236 | $103 |
| Erie Insurance | $1,320 | $110 |
| Geico | $1,565 | $130 |
| USAA | $1,796 | $150 |
| Travelers | $1,803 | $150 |
| Nationwide | $1,918 | $160 |
| Progressive | $1,954 | $163 |
| Mercury Insurance | $2,009 | $167 |
| American Family | $2,035 | $170 |
| Auto-Owners | $2,042 | $170 |
| Farmers | $2,378 | $198 |
| Auto Club Entreprises (AAA) | $3,372 | $281 |
| Allstate | $3,741 | $312 |
| Automobile Club of MI (AAA) | $7,591 | $633 |
Cheapest car insurance with bad credit
Although it’s not directly related to driving skills, people with poor credit are statistically more likely to file a claim. As a result, bad credit can put you in the high-risk category, but you can save by shopping around. The cheapest car insurance for drivers with bad credit in Illinois is Nationwide with an average annual cost of $1,317 or $110 per month.
| Company | Avg Annual Premium | Avg Monthly Premium |
|---|---|---|
| Nationwide | $1,317 | $110 |
| Geico | $1,496 | $125 |
| Mercury Insurance | $1,550 | $129 |
| Travelers | $1,822 | $152 |
| USAA | $2,107 | $176 |
| American Family | $2,111 | $176 |
| Farmers | $2,356 | $196 |
| State Farm | $2,456 | $205 |
| Progressive | $2,568 | $214 |
| Erie Insurance | $2,764 | $230 |
| Auto Club Entreprises (AAA) | $2,784 | $232 |
| Auto-Owners | $3,190 | $266 |
| Allstate | $3,441 | $287 |
| Automobile Club of MI (AAA) | $4,538 | $378 |
Methodology
Data is sourced from the Auto Problems Report 2022 for all states including Washington D.C. The rates are based on the driving profile of a 40-year-old male driver who drives a Honda Accord LX and opts for a full-coverage policy with coverage limits of 100/300/100 and a $500 comprehensive and collision deductible across most ZIP codes with 50,00,736 records from 27 companies.
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