Cheapest car insurance in Illinois for a bad driving record

If you have a poor driving record in Illinois, Auto Club Group - ACG (AAA), Travelers, Progressive are the cheapest options. Auto Club Group - ACG (AAA) has the lowest annual rate at $1,576.

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.

CompanyAverage annual premium for clean recordAnnual 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
Data updated in 2024

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.

Illinois
State
AlabamaAlaskaArizonaArkansasCaliforniaColoradoConnecticutDelawareFloridaGeorgiaHawaiiIdahoIllinoisIndianaIowaKansasKentuckyLouisianaMaineMarylandMassachusettsMichiganMinnesotaMississippiMissouriMontanaNebraskaNevadaNew HampshireNew JerseyNew MexicoNew YorkNorth CarolinaNorth DakotaOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVermontVirginiaWashingtonWashington, D.C.West VirginiaWisconsinWyoming
*Please select from the list
At-fault bodily injury accident
Risk Factor
1 At-fault property damage accident over 2K1 At-fault property damage accident under 2K1 comprehensive claim for over 2k1 comprehensive claim for under 2k2 At-fault property damage accident over 2k2 comprehensive claims for over 2k2 speeding tickets 11 mph or overAt-fault bodily injury accidentCareless drivingDUI/DWI first offenseDUI/DWI second offenseDistracted driving ticketDriving without a license or permitDriving without insuranceFailure to stopFailure to yieldFair creditFollowing too closelyHit and run - injuryHit and run - property damageImproper turnImproper/illegal passLapse of coverage for 7 daysLapse of coverage for 7 to 30 daysLapse of coverage for over 30 daysOperating a vehicle in a race (highway racing)Passing stopped school busPoor creditReckless drivingSR22 Filing OnlySR22 with 1 DUISeatbelt infractionSingle vehicle accident (so the drivers car only)Speeding 30+ over limitSpeeding ticket 1-10 MPH over limitSpeeding ticket 11-29 MPH over limitTalking on cellphone ticketTexting ticket
*Please select from the list
Average annual car insurance rate for At-fault bodily injury accident in Illinois, IL is $2,429
Show Graph View
CompanyAnnual premium for clean recordAnnual 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
Data updated in 2024
Average annual rate

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.

CompanyAverage annual premium for clean recordAnnual 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
Data updated in 2024

Cheapest car insurance in Illinois with multiple tickets

The cheapest insurer for drivers with multiple tickets is Auto Club Group - ACG (AAA), 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.

CompanyAverage annual premium for clean recordAnnual 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
Data updated in 2024

Cheapest car insurance in Illinois with a reckless driving conviction

Erie Insurance has the cheapest rates for drivers with reckless driving convictions at $1,648.

If you engage in hazardous driving behaviors that endanger others, you may be charged with reckless driving. A reckless driving conviction will increase your car insurance rates.

The table below shows car insurance rates for drivers with a clean record vs. drivers with a reckless driving conviction.

CompanyAverage annual premium for clean recordAnnual 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
Data updated in 2024

Cheapest car insurance in Illinois with bad credit

The cheapest Illinois insurer for bad credit is Auto Club Group - ACG (AAA), with rates averaging $1,614 or $135. 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.

CompanyAnnual premium for good creditAnnual 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
Data updated in 2024

Cheapest car insurance after an accident in Illinois

Auto Club Group - ACG (AAA) has the lowest rates after an accident at $1,258. Travelers also has affordable rates at $1,626.

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.

CompanyAverage annual premium for clean recordAnnual premium for one at-fault accidentAnnual 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
Data updated in 2024

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.

CityAverage annual premium for clean recordAnnual 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
Data updated in 2024

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.

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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