4.8out of 3,000+ reviews
Illinois Car Insurance for High Risk Drivers (With Quotes)
Secure. Free. Easy-to-use.
Written by
Jeanette Wisniewski
Insurance Writer
Jeannette Wisniewski is a technology writer whose passion is encouraging people to engage with technology by making it more understandable and more interesting. Though she enjoys writing business copy for a wide range of subjects, she is most inspired by emerging tech and its applications. She is a graduate of San Jose State University, a Georgia Peach at heart, and happy to call Boise, ID home.
Edited by
John Leach
Insurance Content Editor at Insurify
John Leach is an insurance content editor who has worked in print and online. He has years of experience in car and home insurance and strives to make these topics easy to understand for everyone. He has a linguistics degree from UC Santa Barbara.
Reviewed by
Amber Benka
Licensed Insurance Agent
Amber Benka is a licensed insurance agent specializing in auto, home, commercial, life, and health insurance.
Updated March 9, 2022
Why you can trust Insurify: As an independent agent and insurance comparison website, Insurify makes money through commissions from insurance companies. However, our expert insurance writers and editors operate independently of our insurance partners. Learn more.
Cheapest Insurance Companies for High Risk Drivers in Illinois (2022)
For drivers that are high-risk in Illinois, it's important that you evaluate all of your potential insurance options to ensure you are finding the best rate. Comparing the right insurance companies after this incident will allow you to get the best possible insurance rate for drivers that are high-risk.
To simplify comparing companies, Insurify has analyzed rates from top insurance providers in Illinois. The following are the best insurance rates from carriers that offer car insurance for high-risk drivers in Illinois.
| Carrier | Avg. Monthly Cost The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced. |
|---|---|
| SafeAuto | $106 |
| Mile Auto | $122 |
| Travelers | $134 |
| Clearcover Inc | $144 |
| Direct Auto | $153 |
| Elephant.com | $153 |
| Safeco Insurance | $194 |
| Bristol West | $195 |
| Liberty Mutual | $202 |
| Dairyland Insurance | $216 |
What Makes a Driver High-Risk in Illinois?
Everyone who carries an Illinois driver's license should know the rules of the road. But no one is perfect. Most of us have made a mistake once or twice. However, consistently ignoring speed limits, causing accidents, and running red lights can cause a motorist to be considered high-risk. These are the drivers most likely to put in a claim and cost insurance companies money.
Multiple tickets, reckless driving, DUIs, and even age can push up a person's risk level. It's important to minimize your risk (and resulting insurance rates) by driving safely in Illinois.
Illinois Car Insurance Rates for High-Risk Drivers
No Violation$166
Failure to Stop$189
Speeding Ticket$199
Reckless Driving$216
At-Fault Accident$219
Insurify's comparison tool will help you make sure you're getting the best possible quote even after high risk driving violation. You can have peace of mind you're not paying any more than need to, and customers save $48 per month on average.
How Much Does High-Risk Driving Affect Car Insurance Rates in Illinois?
Nobody asks for higher rates when they get out on the road, but it happens. High-risk behavior can increase auto insurance rates in Illinois by as much as 32 percent.
Rates for high-risk drivers will always rise. But to know when you're getting a good deal, familiarize yourself with what is typical. Without any offenses, Illinois drivers pay $166 for insurance monthly. At-fault accidents increase insurance the most, while speeding tickets impact insurance the least.
| Driving History | Avg. Monthly Cost The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced. |
|---|---|
| No Violation | $166 |
| Speeding Ticket | $199 |
| At-Fault Accident | $219 |
| Reckless Driving | $216 |
| Failure to Stop | $189 |
How Much Does a Speeding Ticket Impact Car Insurance Rates in Illinois?
A speeding ticket can take a perfect driver's insurance from an average of $166 a month to a whopping $199. At nearly $200 per month for insurance, drivers will have to be very careful to avoid any further mistakes and losses.
No Violation - Avg. Monthly Rate$166
Speeding ticket - Avg. Monthly Rate$199
$33 ▴
Avg. Monthly Rate Increase
How Does an at-Fault Accident Impact Insurance Rates in Illinois?
At-fault drivers pay on average $53 more for insurance than those with no violations. Of all the high-risk behaviors listed, it's the costliest in the state.
No Violation - Avg. Monthly Rate$166
Speeding ticket - Avg. Monthly Rate$219
$53 ▴
Avg. Monthly Rate Increase
How Much Does Failure to Stop for a Red Light or Stop Sign Impact Car Insurance Rates in Illinois?
Though we all learned our colors in kindergarten, some of us still insist on ignoring red. Eventually we'll remember, especially when faced with an average monthly insurance rate increase of $23.
No Violation - Avg. Monthly Rate$166
Speeding ticket - Avg. Monthly Rate$189
$23 ▴
Avg. Monthly Rate Increase
Does Driving With a Suspended License Impact Car Insurance Rates in Illinois?
Everyone who carries an Illinois driver's license should know the rules of the road. But no one is perfect. Most of us have made a mistake once or twice. However, consistently ignoring speed limits, causing accidents, and running red lights can cause a motorist to be considered high-risk. These are the drivers most likely to put in a claim and cost insurance companies money.
Multiple tickets, reckless driving, DUIs, and even age can push up a person's risk level. It's important to minimize your risk (and resulting insurance rates) by driving safely in Illinois.
Tips for Researching High-Risk Illinois Car Insurance Rates
Insurance prices and policies can vary significantly between companies, and a large and growing state like Illinois draws a wide variety of choices when factoring high-risk driving insurance rates.
Insurify''s rate comparison tool will help you make sure you''re getting the best possible quote based on your needs and location. You can have peace of mind you''re not paying any more than you need to, and customers save $585 per year on average.
Compare Car Insurance Quotes Instantly
Secure. Free. Easy-to-use.
Compare Top Auto Insurance Companies
Use Insurify for all of your car insurance comparison needs! Compare and connect directly with the top insurance companies to find the best rates as well as the most personalized discounts and coverage options. Insurify’s network includes over 200 insurance companies throughout the U.S. who can work with you to get you the right auto insurance policy at the cheapest price. See All Auto Insurance Companies
FAQs - Illinois Car Insurance
There are many different factors that go into the how expensive your car insurance is. That said, some of the reasons why you could be paying so much for your insurance include: living in a state with high minimum insurance requirements, being a young or new driver, committing past traffic offenses like at-fault accidents or DUIs, and having a low credit score.
Auto insurance costs will vary between locations and insurance carriers, depending on the county Illinois. Insurify analyzed the latest data for the five most populous cities in Illinois to find you the cheapest quotes in each of these metropolitan areas.
The way to find the carrier with the best auto insurance ratings in Illinois and save on your insurance premiums is to compare quotes from all companies in your area. Use a car insurance quotes comparison site like Insurify to compare up to 10+ real quotes for your specific driver profile and unlock savings and discounts. Rates can fluctuate greatly based on whether you're a safe driver or a high risk one, but you should never overpay. Insurify provides the cheapest car insurance quotes and companies in your area in just a few seconds.
During the past three years in the United States, national premium costs have risen an average of 4.5 percent annually. In states where quotes have risen, this figure has been 7.8 percent; and in those where rates have fallen, prices have decreased by approximately 6.0 percent. Individual rates by state will of course vary depending on the driver’s history and a multitude of factors.
Compare Car Insurance Quotes Instantly
Secure. Free. Easy-to-use.
Data scientists at Insurify analyzed more than 40 million real-time auto insurance rates from our partner providers across the United States to compile the car insurance quotes, statistics, and data visualizations displayed on this page. The car insurance data includes coverage analysis and details on drivers' vehicles, driving records, and demographic information. Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Service's database of auto insurance rates. With these insights, Insurify is able to offer drivers insight into how companies price their car insurance premiums.