- 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 Nationwide and Geico.
| Company | Avg annual premium | Avg monthly premium |
|---|---|---|
| State Farm | $1,439 | $120 |
| Nationwide | $1,499 | $125 |
| Geico | $1,554 | $130 |
| Mercury Insurance | $1,672 | $139 |
| Travelers | $1,682 | $140 |
| Erie Insurance | $1,706 | $142 |
| American Family | $1,712 | $143 |
| Auto-Owners | $1,959 | $163 |
| Progressive | $1,986 | $166 |
| Farmers | $2,195 | $183 |
| Auto Club Enterprises (AAA) | $2,873 | $239 |
| Allstate | $3,277 | $273 |
| Automobile Club of MI (AAA) | $5,127 | $427 |
| USAA | $1,883 | $157 |
Average rates for high-risk drivers in Illinois by driving record
Select your state and risk factor below to see the insurance company and its
average annual full coverage rates.
| Company name | Average annual premium |
|---|---|
| American Family | $1,232 |
| State Farm | $1,342 |
| Geico | $1,347 |
| Auto-Owners | $1,359 |
| Nationwide | $1,496 |
| Erie Insurance | $1,670 |
| Travelers | $1,670 |
| USAA | $1,888 |
| Progressive | $2,107 |
| Farmers | $2,261 |
| Mercury Insurance | $2,315 |
| Auto Club Enterprises (AAA) | $2,742 |
| Automobile Club of MI (AAA) | $3,812 |
| Allstate | $4,268 |
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 |
| American Family | $1,555 | $130 |
| Mercury Insurance | $1,556 | $130 |
| Progressive | $1,589 | $132 |
| Travelers | $1,756 | $146 |
| Geico | $1,756 | $146 |
| Nationwide | $1,920 | $160 |
| Erie Insurance | $1,985 | $165 |
| Auto-Owners | $2,042 | $170 |
| Farmers | $2,136 | $178 |
| Auto Club Enterprises (AAA) | $3,319 | $277 |
| Allstate | $3,629 | $302 |
| Automobile Club of MI (AAA) | $7,251 | $604 |
| USAA | $2,637 | $220 |
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 State Farm. It offers full coverage insurance at $1,236 per year or $103 monthly.
| Company | Avg annual premium | Avg monthly premium |
|---|---|---|
| State Farm | $1,236 | $103 |
| Nationwide | $1,279 | $107 |
| Erie Insurance | $1,354 | $113 |
| Geico | $1,403 | $117 |
| Auto-Owners | $1,493 | $124 |
| American Family | $1,555 | $130 |
| Travelers | $1,601 | $133 |
| Mercury Insurance | $1,623 | $135 |
| Progressive | $1,910 | $159 |
| Farmers | $2,053 | $171 |
| Auto Club Enterprises (AAA) | $2,615 | $218 |
| Allstate | $3,024 | $252 |
| Automobile Club of MI (AAA) | $3,970 | $331 |
| USAA | $1,599 | $133 |
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 | $1,354 | $113 |
| Travelers | $1,756 | $146 |
| Geico | $1,756 | $146 |
| Nationwide | $1,920 | $160 |
| Progressive | $1,980 | $165 |
| American Family | $1,987 | $166 |
| Mercury Insurance | $2,030 | $169 |
| Auto-Owners | $2,042 | $170 |
| Farmers | $2,428 | $202 |
| Auto Club Enterprises (AAA) | $3,319 | $277 |
| Allstate | $3,629 | $302 |
| Automobile Club of MI (AAA) | $7,251 | $604 |
| USAA | $1,780 | $148 |
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 $1,320 or $110 per month.
| Company | Avg annual premium | Avg monthly premium |
|---|---|---|
| Nationwide | $1,320 | $110 |
| Mercury Insurance | $1,574 | $131 |
| Geico | $1,604 | $134 |
| Travelers | $1,779 | $148 |
| American Family | $2,067 | $172 |
| Farmers | $2,447 | $204 |
| State Farm | $2,456 | $205 |
| Progressive | $2,618 | $218 |
| Auto Club Enterprises (AAA) | $2,756 | $230 |
| Erie Insurance | $2,836 | $236 |
| Auto-Owners | $3,190 | $266 |
| Allstate | $3,333 | $278 |
| Automobile Club of MI (AAA) | $4,354 | $363 |
| USAA | $2,086 | $174 |
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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