Speeding ticket calculator in Illinois

Illinois speeding ticket insurance calculator: Estimate your new rates

Illinois drivers understand that traffic tickets cause auto insurance rates to increase. However, it might surprise you how much a speeding ticket increases rates. In addition to fines, drivers pay higher insurance rates for years after a speeding ticket.

Estimate how much you will pay for insurance after a speeding ticket with the calculator at the top of the page.

How much does your insurance go up after a speeding ticket in Illinois?

Typically, if you have a clean driving record, a first offense won't increase rates too significantly. However, multiple speeding tickets can increase rates dramatically. On average, Illinois drivers with a clean driving record pay $1,532, but drivers with a speeding ticket pay $2,067.

The table below shows average rates after one speeding ticket by company.

Company	Average annual premium for clean record	Average annual premium after a 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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How much does insurance increase after multiple tickets in Illinois?

A single speeding ticket can raise your auto insurance rates, but repeated violations can drive those costs up sharply. If you accumulate too many speeding tickets in a short period, insurers may classify you as a high-risk driver, which could require you to obtain more expensive coverage.

Each auto insurance company evaluates traffic violations differently and sets its own pricing for speeding ticket violations. Some insurers won't issue policies to drivers with several violations, which can make their average rates appear lower than they would be if they actually covered those drivers.

The table below shows the average car insurance premiums from major insurers for drivers who have two speeding tickets.

Company	Annual premium with a clean record	Average annual premium after a ticket	Average annual premium after multiple tickets
Auto Club Group - ACG (AAA)	$979	$1,222	$1,411
Travelers	$1,119	$1,606	$1,807
Erie Insurance	$1,489	$1,648	$2,015
Progressive	$1,412	$1,982	$2,388
Auto-Owners	$1,426	$2,292	$2,737
Allstate	$2,742	$3,630	$4,023
USAA	$1,745	$2,227	$2,590

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How age affects car insurance after a speeding ticket in Illinois

Younger drivers typically pay much higher car insurance rates than older drivers because they lack experience behind the wheel. A speeding ticket shows insurers that not only do they lack experience, but they're also driving recklessly. While insurance rates for inexperienced drivers are high, adding a speeding ticket significantly increases them.

This table shows how much a speeding ticket affects car insurance rates for various age groups.

Age	Annual premium with a clean record	Annual premium after a speeding ticket
Teens	$4,094	$5,564
Young Adults	$1,905	$2,636
Adults	$1,532	$2,153
Seniors	$1,400	$2,056

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How much does a speeding ticket raise insurance in Illinois cities?

Where you live in Illinois affects your car insurance rates. For example, drivers in large cities pay higher rates due to increased traffic and vehicle theft.

A speeding ticket increases car insurance rates by a percentage, so drivers paying higher rates in cities see their insurance rates increase significantly.

This table shows car insurance rates for various cities in Illinois. A speeding ticket can significantly increase these rates.

City	Annual premium with a clean record	Annual premium after a ticket
Bloomington	$1,331	$1,794
Mount Carmel	$1,455	$1,920
Crystal Lake	$1,419	$1,926
Decatur	$1,482	$1,987
Aurora	$1,476	$2,011
Arlington Heights	$1,484	$2,026
Elgin	$1,502	$2,047
Crest Hill	$1,554	$2,119
Joliet	$1,574	$2,135
Des Plaines	$1,696	$2,324
Chicago	$1,930	$2,632

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Illinois speeding ticket options after you are found guilty

After being found guilty of speeding in Illinois, you have several options, including:

Pay the fine. If the court determines you are guilty, you may need to pay the fine immediately. However, many states will help you arrange a payment plan if you cannot pay all at once.
Appeal the decision. If you believe you were not speeding, you can contest the court's ruling. An appeal may lead to the case being dismissed or the fine being lowered.
Complete a defensive driving course. Many states remove points from your driving record when you finish an approved course, showing that you are taking steps to improve your driving habits.

How long does a speeding ticket stay on your record in Illinois?

Speeding violations generally remain on your Illinois driving record for up to five years. Remember that a speeding ticket may be classified as reckless driving if you were going excessively fast or have several prior offenses. In those situations, it may stay on your record for a longer period. It's also important to understand that the time a ticket impacts your insurance premiums often differs from how long it appears on your driving record.

How do you check if you have tickets on your record in Illinois?

You can obtain your driving record from the Illinois Department of Motor Vehicles. You may be able to review your driving history online or request a copy in person or by mail.

You will need to provide personal details, including your name, date of birth, driver's license number, and possibly your Social Security number. You may also have to pay a fee to receive a copy of your driving record.

How to reduce car insurance cost after a speeding ticket in Illinois

Begin by improving your driving habits. Since most traffic violations stop affecting your insurance premiums within three to five years, you can lower your rates by avoiding additional speeding tickets. Stay attentive on the road and follow posted speed limits to prevent future violations.
You may also consider completing a defensive driving course. Some states remove points from your license after completion of these classes, and many insurers offer discounts for finishing one.
Inquire about any additional discounts you may be eligible for and combine them to maximize your savings. Even if you don't yet qualify for a safe-driving discount, you can still cut costs through multi-policy savings, discounts for vehicle safety features, and other available offers.
Then, contact your insurance company to ask about the possibility of waiving the rate increase for your first violation. Although repeated speeding offenses will raise your premiums, some insurers may offer flexibility for a first ticket.
Finally, compare quotes from multiple auto insurance providers. Each insurer in Illinois sets its own pricing based on factors like your age, driving record, and credit history. Reviewing several options can help you secure the best rate for your needs.

"Even with a moving violation on your motor vehicle record, drivers can take advantage of other common discounts to reduce their insurance costs. This includes bundling auto and home or renters insurance with the same insurer, multi-vehicle (having more than one vehicle in the household on the same policy), paying your premium in full, paperless billing, and student and military discounts. Signing up for a usage-based telematics program could also help reduce your insurance costs if you maintain safe driving habits following the infraction," says Friedlander.

Methodology

We partnered with Quadrant Information Services to field average car insurance rates in all 50 states and Washington, D.C. 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.

Unless otherwise indicated, averages are based on our full coverage data set. This data set is based on: