Car Insurance for High-Risk Drivers in Illinois (2026)
High-risk drivers in Illinois can get the cheapest insurance from Auto-Owners, with an average liability rate of $52 per month.
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Elizabeth RivelliFreelance Insurance Writer
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John LeachLicensed P&C Agent, Chief Copy Editor
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Quick Facts
Auto-Owners is the cheapest insurer for high-risk drivers, with an average rate of $52 per month.
Less than 1% of Illinois drivers have a DUI on their record, according to Insurify data.
High-risk drivers in Illinois pay an overall average of $149 per month for car insurance, compared to $122 for drivers with a clean record.
Average cost of high-risk car insurance in Illinois
The average car insurance premium for high-risk drivers in Illinois is $102 per month for liability coverage and $198 per month for full coverage. To compare, the average premium for Illinois drivers with a clean record is $83 for liability-only insurance and $162 for full coverage.
The following table shows the average monthly car insurance rates for Illinois drivers with different violations on their record.
Driver Profile | Average Monthly Cost: Liability Only | Average Monthly Cost: Full Coverage |
|---|---|---|
| Clean record | $83 | $162 |
| Speeding ticket | $109 | $212 |
| At-fault accident | $115 | $224 |
| DUI | $122 | $238 |
| SR-22 | $100 | $196 |
Disclaimer: Table data is based on real-time Illinois quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
Find Cheap Car Insurance in Illinois
Liability policies average $102/mo. for high-risk drivers in Illinois
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Cheapest car insurance in Illinois by violation
Auto-Owners, State Farm, and Certainly have the cheapest car insurance in Illinois for drivers with violations on their records, based on Insurify quote data. While high-risk drivers typically pay higher premiums than people with a clean record, the type of violation can have a big effect on rates.
Cheapest rates for high-risk drivers with DUIs in Illinois
For Illinois drivers with a DUI conviction, Auto-Owners is the cheapest insurer, with an average premium of $57 per month for liability insurance. Only around 0.5% of drivers in Illinois have a DUI, according to Insurify data.
The table below shows the cheapest insurers and average premiums for drivers with a DUI in Illinois.
The below rates in Illinois are estimated rates current as of: Monday, August 10 at 5:00 PM PDT.
Insurance Company | Average Monthly Quote: Full Coverage With DUI | Average Monthly Quote: Liability Only With DUI |
|---|---|---|
| Auto-Owners | $102 | $57 |
| State Farm | $116 | $65 |
| Country Financial | $159 | $88 |
| Progressive | $173 | $89 |
| Erie | $178 | $99 |
| GEICO | $181 | $96 |
| Safeco | $187 | $120 |
| Direct Auto | $189 | $91 |
| USAA | $189 | $106 |
| American Family | $196 | $108 |
| Allstate | $204 | $98 |
| Mercury | $211 | $124 |
| National General | $231 | $117 |
| Elephant | $234 | $134 |
| The General | $236 | $90 |
| Certainly | $239 | $84 |
| Root | $244 | $155 |
| First Chicago | $249 | $100 |
| Liberty Mutual | $254 | $158 |
| Clearcover | $258 | $132 |
| Travelers | $260 | $143 |
| Bristol West | $269 | $117 |
| Farmers | $276 | $153 |
| Freedom National | $283 | $129 |
| GAINSCO | $294 | $108 |
| Mendota | $324 | $166 |
| First Acceptance | $343 | $139 |
| State Auto | $351 | $194 |
| Dairyland | $366 | $137 |
Disclaimer: Table data sourced from real-time Illinois car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Illinois may vary based on the policy buyer's unique driver profile.
Cheapest rates for IL drivers with at-fault accidents
Auto-Owners is the most affordable car insurance company in Illinois for drivers with an at-fault accident. The insurer’s average monthly rate is $56 for minimum coverage. Roughly 4% of Illinoisans have an at-fault accident on their driving record, according to Insurify data.
Below, you can see the cheapest car insurance companies in Illinois for people with an at-fault accident.
The below rates in Illinois are estimated rates current as of: Monday, August 10 at 5:00 PM PDT.
Insurance Company | Average Monthly Quote: Full Coverage With An At-Fault Accident | Average Monthly Quote: Liability Only With An At-Fault Accident |
|---|---|---|
| Auto-Owners | $101 | $56 |
| State Farm | $109 | $61 |
| Country Financial | $157 | $87 |
| Progressive | $163 | $84 |
| Safeco | $168 | $108 |
| GEICO | $170 | $90 |
| Erie | $170 | $94 |
| USAA | $181 | $101 |
| Direct Auto | $183 | $88 |
| Allstate | $192 | $93 |
| American Family | $195 | $108 |
| Mercury | $209 | $123 |
| Elephant | $217 | $125 |
| Root | $217 | $138 |
| National General | $218 | $110 |
| Certainly | $225 | $79 |
| The General | $235 | $90 |
| First Chicago | $235 | $94 |
| Liberty Mutual | $240 | $148 |
| Travelers | $249 | $137 |
| Bristol West | $252 | $110 |
| Farmers | $262 | $146 |
| GAINSCO | $266 | $98 |
| Freedom National | $267 | $122 |
| Clearcover | $269 | $138 |
| Mendota | $305 | $156 |
| First Acceptance | $323 | $131 |
| Dairyland | $341 | $128 |
| State Auto | $352 | $195 |
Disclaimer: Table data sourced from real-time Illinois car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Illinois may vary based on the policy buyer's unique driver profile.
Shop for High-Risk Car Insurance in Illinois
High-risk drivers pay a monthly average of $198 for full coverage
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Cheapest rates for drivers with speeding tickets in Illinois
About 3.27% of Illinois drivers have a speeding ticket on their driving record, according to Insurify data. If you have a speeding ticket on your record, Auto-Owners is the cheapest Illinois insurer, with an average rate of $54 per month for minimum coverage.
The following table shows the cheapest Illinois car insurance companies for drivers with a speeding ticket, and their average premiums.
The below rates in Illinois are estimated rates current as of: Monday, August 10 at 5:00 PM PDT.
Insurance Company | Average Monthly Quote: Full Coverage With A Speeding Ticket | Average Monthly Quote: Liability Only With A Speeding Ticket |
|---|---|---|
| Auto-Owners | $98 | $54 |
| State Farm | $103 | $58 |
| Country Financial | $153 | $85 |
| Progressive | $154 | $80 |
| Safeco | $158 | $102 |
| Erie | $165 | $91 |
| GEICO | $167 | $88 |
| Direct Auto | $169 | $81 |
| USAA | $172 | $96 |
| Allstate | $182 | $88 |
| American Family | $186 | $103 |
| Mercury | $193 | $114 |
| Elephant | $202 | $116 |
| National General | $204 | $103 |
| Root | $206 | $130 |
| Certainly | $213 | $75 |
| First Chicago | $222 | $89 |
| The General | $229 | $88 |
| Liberty Mutual | $229 | $142 |
| Travelers | $238 | $131 |
| Bristol West | $240 | $105 |
| Clearcover | $240 | $123 |
| GAINSCO | $249 | $92 |
| Farmers | $250 | $138 |
| Freedom National | $252 | $115 |
| Mendota | $289 | $148 |
| First Acceptance | $306 | $124 |
| Dairyland | $320 | $120 |
| State Auto | $339 | $188 |
Disclaimer: Table data sourced from real-time Illinois car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Illinois may vary based on the policy buyer's unique driver profile.
Best Illinois auto insurance companies for high-risk drivers
The below rates in Illinois are estimated rates current as of: Monday, August 10 at 5:00 PM PDT.
Insurance Company | Average Monthly Quote: Liability Only |
|---|---|
| Auto-Owners | $56 |
| State Farm | $61 |
| Direct Auto | $88 |
Disclaimer: Table data sourced from real-time Illinois car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Illinois may vary based on the policy buyer's unique driver profile.
High-risk drivers have multiple options for car insurance in Illinois, but not all insurers are created equal. Auto-Owners, Direct Auto, and State Farm stand out as some of the best insurers for high-risk drivers, due to their low premiums and discounts.
Auto-Owners: Best for low rates
| User Reviews | 4.3 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.2 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $41/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $74/mo |
4.3
Best choice in IllinoisBased on 357 verified driver reviews and ratings
Auto-Owners's score | Industry average | |
|---|---|---|
| Coverage options | 4.0 | 3.2 |
| Customer service | 3.7 | 3.6 |
| Discounts | 3.5 | 2.9 |
| Policy transparency | 3.9 | 3.1 |
| Value | 3.5 | 2.9 |
How drivers feel about Auto-Owners
Customers appreciate the friendly service and quick claims process but dislike the constant rate increases and perceived inflexibility in pricing.
Based on analysis of verified reviews collected by Insurify
Best in Illinois for
Showing recent national reviewsSee all 155 Auto-Owners reviews
Verified Review
Reviewed in North Carolina on August 1, 2026
Very easy to deal with.
Verified Review
Reviewed in Florida on July 30, 2026
Good. I never had to file a claim.
Verified Review
Reviewed in South Carolina on July 24, 2026
It’s expensive, but claims are handled quickly.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
646
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.46
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company
Auto-Owners has some of the cheapest average car insurance rates for high-risk drivers in Illinois. Its premiums are consistently lower than competitors’ prices for drivers with the same profile or violations, according to Insurify data.
Additionally, Auto-Owners offers a great selection of car insurance discounts, with savings for customer loyalty, paperless billing, getting an advanced quote, insuring a car with safety features, and more.
Pros
Low average premiums for Illinois high-risk drivers
Many discounts available
Good selection of optional endorsements
Cons
No online quotes
Below-average J.D. Power customer satisfaction rating in the North Central region
Accident forgiveness isn’t available if you’ve had any major violations within the past three years
Direct Auto: Best for SR-22 insurance
| A.M. Best A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor). | A |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.3 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $63/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $131/mo |
How drivers feel about Direct Auto
Drivers appreciate the insurer’s helpful customer service and easy-to-use website. But they dislike the frequent and significant rate increases, especially for those with clean driving records. Some also report difficulties with roadside assistance.
Based on analysis of verified reviews collected by Insurify
Best in Illinois for
Showing 3 reviews from Illinois driversSee all 530 Direct Auto reviews
Verified Purchase
Reviewed in Illinois on August 17, 2026
Great—they met my every expectation.
Verified Purchase
Reviewed in Illinois on June 28, 2026
Direct Auto is represented by efficient, professional, and respectful employees. Any customer service-oriented business should aspire to emulate them.
Verified Purchase
Reviewed in Illinois on December 15, 2025
Good overall customer service and availability to answer questions.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
Not rated
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
Not rated
Why we picked this company
If you need SR-22 insurance in Illinois after a DUI or other violation, Direct Auto could be a good option. The auto insurance company can file SR-22 certificates in Illinois, which requires a filing fee at each policy renewal, often around $25.
Direct Auto has below-average rates for high-risk drivers in Illinois, according to Insurify data, and offers various payment schedules and payment methods.
Pros
Can file SR-22s in Illinois
Below-average rates for drivers with an incident on their record
Customizable payment plans
Cons
No in-person agents in Illinois
Few endorsements offered
Doesn’t have 24/7 customer service
State Farm: Best for policy bundling
| User Reviews | 4.1 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.3 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $45/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $80/mo |
4.1
Best choice in IllinoisBased on 20,592 verified driver reviews and ratings
State Farm's score | Industry average | |
|---|---|---|
| Coverage options | 4.1 | 3.2 |
| Customer service | 4.3 | 3.6 |
| Discounts | 3.9 | 2.9 |
| Policy transparency | 3.9 | 3.1 |
| Value | 3.7 | 2.9 |
How drivers feel about State Farm
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
Based on analysis of verified reviews collected by Insurify
Best in Illinois for
Showing 64 reviews from Illinois driversSee all 8,006 State Farm reviews
Verified Review
Reviewed in Illinois on August 18, 2026
I don’t have any problems with State Farm. I really like them.
Verified Review
Reviewed in Illinois on August 4, 2026
I had a few comprehensive claims, and now they’re dropping me.
Verified Review
Reviewed in Illinois on August 4, 2026
State Farm is very good and a reliable company.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
665
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.84
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company
State Farm is one of the top insurance companies in Illinois for drivers who want to bundle their auto insurance with another policy to save money. The company advertises savings of up to $1,429 for customers who purchase their auto insurance and home insurance through State Farm. You can also bundle car insurance with renters, condo, or life insurance for a discount.
Pros
Generous policy bundling discount
Above-average J.D. Power customer satisfaction rating in the North Central region
Few complaints from the National Association of Insurance Commissioners
Cons
Small selection of add-on coverages
Defensive driving discount is available only to drivers 55 and older
No traditional gap insurance
When choosing the best auto insurance companies for high-risk drivers, we compared factors like costs for drivers with an incident, available discounts, customer service options, customer satisfaction ratings, and overall financial stability. The companies we’ve listed above offer competitive rates, a range of discounts, accessible customer service teams, and high customer satisfaction and financial stability ratings.
How to find cheaper car insurance for high-risk drivers in Illinois
High-risk drivers in Illinois typically pay higher rates than people with a clean record, but it’s still possible to find affordable insurance coverage. Below are some tips for getting cheaper auto insurance in Illinois:
Consider the Illinois Automobile Insurance Plan (ILAIP). If you’re unable to get auto insurance quotes from standard insurers, look into the ILAIP, which is the state’s assigned risk pool.[1]
Look for discounts. Many Illinois car insurance companies offer discounts that can lower your premium. You can often find savings for taking a defensive driving course, being a good student, insuring a safe vehicle, and bundling your policies.
Enroll in a telematics program. Some insurers have telematics programs that base your premium on your driving habits, like speed, brake force, and phone use. If you can prove safe driving habits, you might earn a lower premium.
Work with an independent insurance agent. Working with an independent insurance agent in Illinois can make it easier to compare policies from different insurers and find the most affordable policy for your situation.
Raise your deductibles. Choosing higher deductibles for collision coverage and comprehensive coverage can reduce your monthly premium.
Illinois minimum car insurance requirements for high-risk drivers
Car insurance is a legal requirement for all drivers in Illinois. High-risk drivers are often required to carry SR-22 insurance, which proves that they carry the minimum amount of insurance required in the state. An SR-22 form in Illinois doesn’t raise the minimum liability requirements.
Below, you can see the minimum car insurance requirements in Illinois for high-risk drivers.[2]
Coverage Type | Illinois Minimum Requirement | What It Covers |
|---|---|---|
| Bodily injury liability per person | $25,000 | Covers one person’s injuries when you cause an accident |
| Bodily injury liability per accident | $50,000 | Covers all injuries in an accident that you cause |
| Property damage liability | $20,000 | Covers all property damage you cause in an accident |
| Uninsured motorist coverage | $25,000/$50,000 | Covers your injuries when you get into an accident with a driver who doesn’t have insurance |
| SR-22 | Three years | Proves you carry the minimum amount of car insurance required in Illinois |
Who is a high-risk driver in Illinois?
A high-risk driver in Illinois is typically someone with points on their record. Points are added to your license in Illinois if you’re convicted of a moving violation, like a speeding ticket, reckless driving, or failing to obey traffic signals. Once a driver receives three or more offenses within a 12-month period, the state can suspend or revoke their driver’s license.[3]
Certain violations, like drunk driving, have immediate consequences. After a single DUI with a blood alcohol content (BAC) above .08%, your license can be suspended or revoked.
High-risk drivers are required to file an SR-22 form in Illinois if their license has been revoked or suspended, or if they have three or more convictions for mandatory insurance violations.[4]
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How long will Illinois consider you a high-risk driver?
The amount of time you’re considered a high-risk driver in Illinois depends on the types of traffic violations on your record. A DUI with a BAC of .08% or higher remains on your record permanently.[5]
Most violations, like speeding tickets and at-fault accidents, affect car insurance rates for several years. While the exact time frame depends on your insurer, you can generally expect insurance premiums to decrease slowly after three to five years, assuming you have no recent violations.
Illinois high-risk drivers insurance FAQs
If you’re shopping for high-risk auto insurance in Illinois, here’s some additional information that can help you understand the requirements and find the best policy for your needs.
What is the best auto insurance for high-risk drivers in Illinois?
The best auto insurance for high-risk drivers in Illinois depends on unique factors, like your driving record, vehicle type, and claim history. To find the best and most affordable policy, it’s a good idea to compare rates from a few insurers.
What is the new law for car insurance in Illinois?
Illinois Senate Bill 714 protects consumers from unfair insurance practices and rising insurance costs. It recently passed the General Assembly and is waiting for the governor’s signature. If signed, the law would go into effect on July 1, 2027.[6]
How much is high-risk car insurance in Illinois?
The average cost of car insurance in Illinois for risky drivers is $102 per month for state-minimum coverage and $198 per month for full coverage, according to Insurify data. But your actual cost depends on your ZIP code, age, driving record, and other factors.
How long do you need SR-22 insurance in Illinois?
If you need to file an SR-22 form in Illinois, you’re required to maintain the certificate for three years.
Sources
- AIPSO. "Illinois Automobile Insurance Plan."
- Illinois Department of Insurance. "Auto Insurance Shopping Guide."
- Illinois Secretary of State. "Illinois Traffic Offenses."
- Illinois Secretary of State. "Financial Responsibility (SR-22) Insurance."
- Illinois.gov. "Penalties for Drinking & Driving."
- Illinois Secretary of State. "Giannoulias’ Auto Insurance Reform Bill Passes Illinois Senate."
Methodology
Insurify data scientists analyzed more than 250 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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Elizabeth RivelliFreelance Insurance Writer
5+ years writing insurance and personal finance topics
Auto, home, health, and life insurance expertise
Featured in
Katie PowersLicensed P&C Agent, Senior Insurance Editor
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Featured in
John LeachLicensed P&C Agent, Chief Copy Editor
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
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