How to Find the Best Car Insurance
for High Risk Drivers in Illinois

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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
Average Monthly Cost
$166
No Violation
$199
Speeding Ticket
$219
At-Fault Accident
$216
Reckless Driving
$189
Failure to Stop for Red Light / Stop Sign
Driving History

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.

What Are the Best Car Insurance Companies for High-Risk Drivers in Illinois?

Average car insurance rates go up for high-risk drivers, but they aren't priced out of the marketplace altogether. There are plenty of companies willing to do business with high-risk drivers for a price. And you can find the best rates by shopping around. These are the best car insurance companies in the state for high-risk drivers:

CarrierAvg. Monthly Cost
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

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 HistoryAvg. Monthly Cost
No Violation$166
Speeding Ticket$199
At-Fault Accident$219
Reckless Driving$216
Failure to Stop for Red Light / Stop Sign$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.

$166
No Violation - Avg. Monthly Rate
$199
Speeding ticket - Avg. Monthly Rate
$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.

$166
No Violation - Avg. Monthly Rate
$219
Speeding ticket - Avg. Monthly Rate
$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.

$166
No Violation - Avg. Monthly Rate
$189
Speeding ticket - Avg. Monthly Rate
$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.