Cheap Car Insurance for High-Risk Drivers in Illinois:
Costs and Quotes (2021)

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Cheapest Insurance Companies for High Risk Drivers in Illinois (2021)

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.

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
$199
$219
$216
$189
No ViolationSpeeding TicketAt-Fault AccidentReckless DrivingFailure to Stop
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.

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
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.

$166
$199
No Violation - Avg. Monthly RateSpeeding 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
$219
No Violation - Avg. Monthly RateSpeeding 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
$189
No Violation - Avg. Monthly RateSpeeding 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.

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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.

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Insurify Rate Comparison Methodology

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.