Cheapest car insurance for drivers with an incident
An incident in the context of car insurance refers to at-fault accidents, speeding tickets, driving under the influence (DUI), and other moving violations that indicate a potential risk to insurance companies.
Insurance companies base rates on risk, and drivers with more incidents on their record are statistically more likely to be involved in future accidents and have claims. Therefore, if you have incidents on your driving record, you’ll likely pay more for car insurance than drivers with clean records.
However, some insurers still offer favorable rates to drivers with imperfect records.
Cheapest car insurance for drivers with a speeding ticket: Auto-Owners
Speeding tickets are one of the most common traffic violations drivers face, so, while it might not seem like a big deal, it can still affect your car insurance rates. Insurers consider drivers who speed risky, as they’re more likely to be involved in accidents. Insurance companies see this increased risk and adjust rates accordingly.
Illinois drivers with a past speeding ticket pay an average of $192 per month for car insurance. The table below shows the cheapest car insurance companies for Illinois drivers with a speeding ticket.
The below rates are estimated rates current as of: Monday, July 1 at 12:00 PM PDT.
Insurance Company | Clean Driving Record | With Speeding Ticket |
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Auto-Owners | $29 | $38 |
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State Farm | $31 | $40 |
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Hugo | $39 | $54 |
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GEICO | $42 | $55 |
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COUNTRY Financial | $44 | $59 |
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Mile Auto | $46 | $64 |
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Erie | $48 | $64 |
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USAA | $51 | $67 |
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American Family | $55 | $72 |
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Mercury | $60 | $84 |
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Nationwide | $65 | $86 |
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Direct Auto | $66 | $87 |
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Travelers | $70 | $93 |
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Clearcover | $71 | $94 |
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Farmers | $74 | $97 |
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Safeco | $76 | $101 |
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National General | $77 | $101 |
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Allstate | $78 | $102 |
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Dairyland | $86 | $113 |
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Elephant | $91 | $131 |
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GAINSCO | $92 | $132 |
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Midvale Home & Auto | $94 | $128 |
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The General | $96 | $128 |
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State Auto | $98 | $139 |
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Bristol West | $105 | $137 |
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Liberty Mutual | $112 | $161 |
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Foremost | $142 | $204 |
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Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with an at-fault accident: Auto-Owners
Being involved in a car accident can be a distressing experience. When you’re deemed to be “at fault” for the accident, it implies you were primarily responsible. That can affect your car insurance premiums because it signals to insurance companies that you engaged in behavior — intentionally or not — that resulted in a claim.
Insurance companies anticipate future risks based on past events, so an at-fault accident can lead them to increase your premiums to account for potential future claims.
On average, Illinois drivers with a past at-fault accident pay $201 per month for auto coverage. The following table shows the cheapest car insurance companies for Illinois drivers with an at-fault accident on their driving record.
The below rates are estimated rates current as of: Monday, July 1 at 12:00 PM PDT.
Insurance Company | Clean Driving Record | With Accident |
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Auto-Owners | $29 | $40 |
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State Farm | $31 | $43 |
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Hugo | $39 | $52 |
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GEICO | $42 | $58 |
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COUNTRY Financial | $44 | $63 |
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Mile Auto | $46 | $68 |
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Erie | $48 | $68 |
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USAA | $51 | $71 |
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American Family | $55 | $76 |
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Mercury | $60 | $88 |
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Nationwide | $65 | $91 |
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Direct Auto | $66 | $93 |
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Travelers | $70 | $97 |
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Clearcover | $71 | $105 |
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Farmers | $74 | $102 |
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Safeco | $76 | $102 |
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National General | $77 | $107 |
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Allstate | $78 | $108 |
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Dairyland | $86 | $119 |
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Elephant | $91 | $123 |
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GAINSCO | $92 | $123 |
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Midvale Home & Auto | $94 | $138 |
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The General | $96 | $135 |
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State Auto | $98 | $148 |
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Bristol West | $105 | $144 |
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Liberty Mutual | $112 | $168 |
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Foremost | $142 | $214 |
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Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with a DUI: Auto-Owners
Driving under the influence (DUI) of alcohol or drugs is a serious offense and can lead to a substantial increase in your car insurance rates. A DUI indicates high-risk behavior to insurance companies, so having one on your record can affect your insurance rates for several years.
The overall average cost of insurance for a driver with a past DUI in Illinois is $227 per month. The table below shows the car insurance companies offering the most affordable rates for drivers in Illinois with a DUI.
The below rates are estimated rates current as of: Monday, July 1 at 12:00 PM PDT.
Insurance Company | Clean Driving Record | With DUI |
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Auto-Owners | $29 | $49 |
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State Farm | $31 | $53 |
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Hugo | $39 | $59 |
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GEICO | $42 | $72 |
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COUNTRY Financial | $44 | $75 |
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Mile Auto | $46 | $70 |
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Erie | $48 | $82 |
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USAA | $51 | $87 |
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American Family | $55 | $94 |
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Mercury | $60 | $92 |
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Nationwide | $65 | $111 |
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Direct Auto | $66 | $112 |
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Travelers | $70 | $119 |
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Clearcover | $71 | $121 |
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Farmers | $74 | $126 |
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Safeco | $76 | $129 |
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National General | $77 | $131 |
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Allstate | $78 | $133 |
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Dairyland | $86 | $146 |
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Elephant | $91 | $155 |
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GAINSCO | $92 | $157 |
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Midvale Home & Auto | $94 | $160 |
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The General | $96 | $163 |
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State Auto | $98 | $167 |
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Bristol West | $105 | $179 |
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Liberty Mutual | $112 | $191 |
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Foremost | $142 | $242 |
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Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.