Auto Insurance for Danger Drivers in Illinois – Bankrate.com

Drivers with multiple tickets, culpable accidents, or a DUI may struggle to find low car insurance rates. Additionally, reckless or risky driving in Illinois can result in your license being suspended, restricted, or revoked. Illinois high risk auto insurance is an alternative insurance option when traditional vehicle insurance is no longer available or affordable.

High Risk Auto Insurance Rates in Illinois

The cost of your Illinois auto insurance depends on your driver's license, vehicle, and coverage, as well as a few other factors. Illinois high risk auto insurance is often more expensive than traditional insurance. Each car insurance company has its own risk threshold when pricing your car insurance. A freight forwarder can insure drivers cheaply with speeding tickets, but can increase the premiums significantly after an accident or damage event.

Car insurance rates after a parking ticket

Obtaining a speeding ticket can increase your car insurance rates slightly or significantly depending on the airline and the severity of your ticket. There is no formula to determine which insurance company is cheaper after a parking ticket. However, Bankrate's analysis found that Travelers, Geico, and State Farm are the cheapest airlines on average.

Car insurance Illinois Average Annual Premium for Full Cover Before a Parking Ticket Illinois average annual premium for full coverage after a parking ticket % Difference
traveler $ 916 $ 1,641 79%
Geico $ 928 $ 1,099 18%
District farm $ 935 $ 1,151 23%

Prices after an accident

In Illinois, responsibility for a car accident will typically increase your premiums more than a parking ticket. When it comes to high risk auto insurance, Illinois rates vary immensely from one insurance company to the next.

Car insurance Illinois Average Annual Premium for Full Pre-Accident Cover Illinois Average Annual Premium for Full Coverage After an Accident % Difference
traveler $ 916 $ 1,626 78%
Geico $ 928 $ 1,474 59%
District farm $ 935 $ 1,263 35%

Car insurance for travelers may initially be the cheapest coverage for safe drivers, but a single accident could increase your premiums by an average of 78%. Meanwhile, Geico's rates increase by an average of 59% after an accident. After all, the State Farm's rates increase an average of 35% after an accident.

Prices after a DUI

Driving under the influence of alcohol can be the most dangerous risk a driver can take, both financially and in terms of safety.

For example, getting a DUI in Illinois can have an impact on auto insurance rates.

Car insurance Illinois Average Annual Premium for Full Coverage Before a DUI Illinois Average Annual Premium for Full Coverage after a DUI % Difference
traveler $ 916 $ 1,939 112%
Geico $ 928 $ 2,595 180%
District farm $ 935 $ 1,445 55%

Drivers convicted of DUI in Illinois must also ask their insurance company to submit a Financial Responsibility Certificate (SR-22) to the DMV in order to drive legally.

Insurance tariffs for young drivers

Auto insurance premiums for parents who add teenage drivers to their policies in Illinois are higher than average.

Car insurance Average annual premium for fully comprehensive insurance
traveler $ 3,497
Geico $ 2,569
District farm $ 2,572

* 16-year-olds in their parents' policy

Obtaining quotes from numerous providers is one of the best ways to find the cheapest auto insurance.

Who is a Risk Driver?

There are high risk drivers of all ages and experience levels. Insurance companies consider drivers with a DUI conviction or with more than one accident or relocation violation to be high risk. Due to their lack of experience, adolescents are also generally considered to be high-risk patients.

Causing accidents, getting tickets, and driving under the influence of alcohol are likely to add points to your driver's license. Once you have reached a certain number of points, your license can be blocked.

How to lower your tariff if you are a risk driver

High risk drivers face limited transportation options and more expensive rewards. One way to make up for the limited options is to find ways to reduce insurance costs:

  • Look around to find the most affordable coverage based on your current needs.
  • Benefit from as many discounts as possible, such as low mileage, learner driver or multi-line discounts.
  • Increase your deductible for fully comprehensive and collision damage to the highest possible amount that you can afford.

If you only save 5-10% on your auto insurance, you can earn hundreds of dollars over time.

frequently asked Questions

What is an SR-22?

An SR-22 is a form that your insurance company submits to the DMV on your behalf. It is a certificate of financial responsibility that confirms that you have the minimum amount of insurance required to drive.

Do I need additional car insurance if I am a high risk driver?

All Illinois drivers are required to have civil liability insurance with a minimum coverage of $ 25,000 for personal injury and death, $ 50,000 per accident, and $ 20,000 property damage. Uninsured motorist insurance is also required.

What if I drive in Illinois without insurance?

Illinois requires drivers to have at least the minimum state insurance. Driving in Illinois without insurance is illegal. If you are caught driving without insurance, you can be fined, your driver's license will be revoked and your vehicle will be confiscated. If you cause an accident without insurance, in addition to these penalties, you are responsible for paying out of pocket for the damage and injury you caused.

methodology

Bankrate uses Quadrant Information Services to analyze 2021 rates for all postcodes and airlines in all 50 states and Washington, DC Coverage Limits:

  • $ 100,000 personal injury liability per person
  • $ 300,000 liability per accident
  • $ 50,000 property damage liability per accident
  • $ 100,000 personal injury to an uninsured driver per person
  • $ 300,000 personal injury to an uninsured driver per accident
  • $ 500 deductible in case of collision
  • $ 500 deductible

In order to set the minimum coverage limits, Bankrate has used minimum coverage that meets the requirements of the individual states. Our Basic Profile drivers own a 2019 Toyota Camry, commute five days a week, and drive 12,000 miles a year. These are sample rates and should only be used for comparison purposes.

Incident: The rates were calculated by evaluating our base profile using the following incidents: clean record (base), fault accident, single speeding, single DUI conviction, and expiry of cover.

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