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Illinois Car Insurance for Bad Credit Drivers

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Joe Dyton

By: Joe Dyton

| Reviewed by licensed insurance agent, Amber Benka

Last Updated March 9, 2022

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Cheapest Companies for Drivers With Bad Credit in Illinois (2022)

For drivers with bad credit 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 will allow you to get the best possible insurance rate for drivers with bad credit.

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 drivers with bad credit in Illinois.

Bad Credit Car Insurance in Illinois

Having bad credit likely won't keep you from getting car insurance. You'll just have to pay more for your coverage. A few states have prohibited car insurance companies from taking drivers' credit information into account when setting their rates, but Illinois is not one of them. So plan on a credit check the next time you're looking to get car insurance. Fortunately, car insurance credit checks in Illinois are considered "soft inquiries," which will not affect your credit score.

Illinois Car Insurance Rates for Bad Credit Drivers

Excellent
$148
Good
$171
Average
$175
Poor
$190

Insurify's comparison tool will help you make sure you're getting the best possible quote even with a bad credit rating. 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 Bad Credit Impact Car Insurance Rates in Illinois?

Drivers with bad credit pay approximately 14 percent more than average in Illinois than drivers with good credit. Insurance credit scores are just one factor companies use to determine rates, however. Companies will also look at your driving record and claims history to calculate how much risk comes with insuring you, which will in turn help set your rate.

Avg. Monthly Cost - for Drivers with Good Credit
$166
Avg. Monthly Cost - for Drivers with Bad Credit
$190
$24 ▴
14.46% ▴
Monthly Impact of Bad Credit on Rates
Percent Bad Credit Impact Rates

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Can I Get Car Insurance With No Credit Check in Illinois?

You can get car insurance In Illinois without getting a credit check. The only problem is you'll likely pay a higher premium if you insure your vehicle with a company that doesn't check your credit. Insurers that run credit checks do so to evaluate how risky it will be to cover you and your vehicle. Without that credit information, companies will compensate for that unknown risk by charging you more.

So as much as you may not want to deal with a credit check, it's worth it to look for coverage with companies that consider your credit in their pricing. You will have a chance not only to pay less on your premium but to do a side-by-side comparison as well.

Illinois Car Insurance Rates by Credit Tier

Not surprisingly, Illinois drivers with excellent credit have the lowest average monthly car insurance cost. What's a little more surprising is that there's only a $4 per month difference in rates between drivers with good and average credit.

Credit TierAvg. Monthly Cost
Excellent$148
Good$171
Average$175
Poor$190

Car Insurance Rates With Bad Credit in Illinois Cities

Illinois drivers with bad credit may notice a large gap in prices between different cities. For example, the average monthly car insurance rate for drivers with poor credit in Peoria is $120, but it's $230 in Chicago. A number of cities fall between those two prices, like Rockford ($132) and Springfield ($160).

CityCredit TierAvg. Monthly Cost
ChicagoPoor$230
SpringfieldPoor$160
RockfordPoor$132
PeoriaPoor$119
BellevillePoor$199
Granite CityPoor$170

Tips for Researching Bad Credit Illinois Car Insurance Rates

Insurance prices and policies can vary significantly between companies, and a state like Illinois draws a wide variety of choices when factoring insurance rates for drivers with bad credit.
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.

Top Auto Insurance Companies

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.

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Methodology

The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.

Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews. 

With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.

Joe Dyton
Joe Dyton

Content Writer at Insurify

Joe Dyton has been a professional writer since 1999. He's been writing about the auto insurance industry for 15 years and was an in-house marketing copywriter for GEICO for a decade. Learn more about Joe at joedyton.com.

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