- Cheapest car insurance in Illinois for a bad driving record
- How much is high-risk car insurance in Illinois?
- Cheapest car insurance in Illinois with a DUI
- Cheapest car insurance in Illinois with multiple tickets
- Cheapest car insurance in Illinois with a reckless driving conviction
- Cheapest car insurance in Illinois with bad credit
- Cheapest car insurance after an accident in Illinois
- Cheapest car insurance in Illinois by city
- How to reduce car insurance rates in Illinois for a bad driving record
- Illinois car insurance laws for high-risk drivers
- Compare Illinois high-risk driver car insurance rates with other states
Cheapest car insurance in Illinois for a bad driving record
Auto Club Group - ACG (AAA), Travelers, Progressive offers affordable car insurance for high-risk drivers with bad driving record in Illinois.
Having accidents, DUIs or traffic tickets on your driving record, will make you pay more for insurance. Most tickets will affect your rates for three to five years. A DUI can affect your rates for up to 10 years and can stay on your record for life.
| 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 |
How much is high-risk car insurance in Illinois?
A problematic driving record or poor credit score may mean higher insurance rates, but affordable options exist. In Illinois, high-risk car insurance costs $2,409. However, you can get rates as low as $1,576 from Auto Club Group - ACG (AAA).
Many things can make you a high-risk driver, but some affect your rates more than others. For example, having multiple speeding tickets or a ticket for speeding in a school zone will increase your rates more than a single basic speeding ticket.
Read on as we explain high-risk car insurance factors and rates below.
Select your state and risk factor below to see the insurance company and its
average annual full coverage rates.
| 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 |
PEOPLE ASK:
Who is considered high-risk for insurance in Illinois?
Each insurance company determines who they consider a high-risk driver, but a DUI, multiple tickets or accidents and other serious violations like reckless driving will generally land you in the high-risk category.
Cheapest car insurance in Illinois with a DUI
While many insurers offer coverage after a DUI, Progressive has the lowest rate at $1,728.
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 |
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 rates averaging $1,223 or $102.
One ticket will affect car insurance rates, but multiple tickets will increase rates by a lot more. Repeated failure to obey speed limits and traffic laws means insurers are more likely to pay claims because of your 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 |
Cheapest car insurance in Illinois with a reckless driving conviction
Drivers with reckless driving conviction can get the cheapest rates from Erie Insurance at $1,648.
You can be charged with reckless driving for many reasons, such as excessive speed, multiple accidents in a short time or street racing. Regardless of the cause, a reckless driving conviction raises car insurance rates.
The table below compares car insurance rates for drivers with a clean driving record and 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 |
Cheapest car insurance in Illinois with bad credit
Auto Club Group - ACG (AAA) offers the cheapest rates for drivers with poor credit at $1,614 or $135. However,drivers with bad credit can still find affordable auto insurance.
Although unrelated to your performance behind the wheel, your credit score also impacts car insurance rates and can put you in the high-risk category. To an insurance company, high-risk means more likely to file 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 statistically, drivers with a low credit score fit that description.
Check out 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 |
Cheapest car insurance after an accident in Illinois
Auto Club Group - ACG (AAA) and Travelers have the lowest car insurance rates after an accident at $1,258 and $1,626, respectively.
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 |
Cheapest car insurance in Illinois by city
Bloomington has the cheapest car insurance rates in Illinois at $2,079. But the most expensive city is Chicago with rates of $3,064.
Your location in Illinois also matters. For example, if you live in an area with heavy traffic or a high vehicle theft rate, rates will reflect the increased chance of claims.
| 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 |
How to reduce car insurance rates in Illinois for a bad driving record
Finding affordable car insurance in Illinois is possible, even with a bad driving record. Ways to lower car insurance rates include:
- Carefully consider filing claims. Paying for minor damage out of pocket may be cheaper than filing an insurance claim and increasing rates for years.
- Avoid costly infractions. Drive carefully to avoid adding traffic infractions to your record. Tickets only affect insurance rates for a few years, which will decrease if more tickets aren't added.
- Improve your credit score. Raising your credit score lowers car insurance rates. Make on-time payments and consider credit usage to improve your rating.
- Take a defensive driving course. Many insurance companies offer a discount for doing so, and some states remove driver's license points for successfully completing the class.
- Shop around for coverage. Every car insurance company weighs factors differently and offers different rates. Compare quotes to find the cheapest rates.
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 Illinois depends 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.
Illinois car insurance laws 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.
Although an SR-22 is typically called insurance, it is only the form. You don't need special insurance coverage, but rates are much higher for high-risk drivers and not all carriers insure such drivers.
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