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Best Cheap Auto Insurance Quotes After a Speeding Ticket in Illinois

The make and model of vehicle you are buying coverage for is a large consideration that determines whether or not you can buy the best cheap car insurance after a speeding ticket in Illinois. Vehicles with high performance, poor safety features, or a history of substantial liability claims will cost significantly more to insure than safer models.

The next tables presents coverage rates for some of the most budget-friendly automobiles to insure in Illinois.

Auto Insurance Rates for Popular Cars in Illinois
Make, Model, and Trim LevelAnnual CostSemi-Annual CostMonthly Cost
Chevrolet Malibu LT$1,074$537$90
Ford Focus SEL 4-Dr Sedan$1,092$546$91
Honda Accord LX-P 4-Dr Sedan$888$444$74
Honda Civic SI 2-Dr Coupe$1,396$698$116
Hyundai Elantra Blue 4-Dr Sedan$1,092$546$91
Hyundai Sonata GLS 4-Dr Sedan$1,116$558$93
Nissan Altima 2.5 S 4-Dr Sedan$1,116$558$93
Toyota Camry XLE$1,116$558$93
Toyota Corolla XRS$1,140$570$95
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Prices based on married male driver age 50, two speeding tickets, no at-fault accidents, $500 deductibles, and Illinois minimum liability limits. Discounts applied include homeowner, multi-vehicle, claim-free, and multi-policy. Information does not factor in specific Illinois garaging location which can influence auto insurance rates significantly.

Insurance Rates for Popular SUVs and Crossovers in Illinois
Make, Model, and Trim LevelAnnual CostSemi-Annual CostMonthly Cost
Buick Enclave XL 2WD$1,140$570$95
Chevrolet Traverse LT AWD$1,000$500$83
Ford Escape Limited 2WD$912$456$76
Ford Explorer Limited 2WD$1,074$537$90
GMC Acadia SL AWD$986$493$82
GMC Terrain SLE 2WD$976$488$81
Honda CR-V EX 4WD$912$456$76
Honda Fit$856$428$71
Honda Pilot Touring 4WD$1,074$537$90
Hyundai Tucson Limited 4WD$1,050$525$88
Jeep Grand Cherokee Laredo 2WD$1,050$525$88
Nissan Pathfinder SE 2WD$986$493$82
Subaru Forester X AWD$1,000$500$83
Toyota Highlander 2WD$986$493$82
Toyota RAV4 2WD$1,050$525$88
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Data based on married male driver age 50, two speeding tickets, no at-fault accidents, $500 deductibles, and Illinois minimum liability limits. Discounts applied include multi-policy, multi-vehicle, homeowner, and claim-free. Rate quotes do not factor in specific garaging location which can lower or raise premium rates noticeably.

Auto Insurance Rates for Popular Pickup Trucks in Illinois
Make, Model, and Trim LevelAnnual CostSemi-Annual CostMonthly Cost
Chevrolet Silverado 2500HD LTZ Crew Cab 2WD$1,296$648$108
Chevrolet Silverado LTZ Extended Cab 4WD$1,140$570$95
Dodge Ram 2500 Mega Cab Laramie 2WD$1,360$680$113
Dodge Ram Quad Cab Sport 2WD$1,230$615$103
Ford F-150 XLT Crew Cab 4WD$1,074$537$90
Ford F-250 Lariat Super Cab Turbo Diesel 4WD$1,380$690$115
GMC Canyon SLT Ext Cab 2WD$1,050$525$88
GMC Sierra 3500HD SLE Crew Cab 4WD$1,356$678$113
GMC Sierra SL Crew Cab 4WD$1,140$570$95
Toyota Tundra SR/5 Crew Max 2WD$1,116$558$93
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Prices above based on married male driver age 50, two speeding tickets, no at-fault accidents, $500 deductibles, and Illinois minimum liability limits. Discounts applied include claim-free, homeowner, multi-policy, and multi-vehicle. Prices do not factor in Illinois location which can influence insurance rates significantly.

For Illinois drivers, one of the things that helps insurance companies calculate the price you pay for insurance is where you choose to live. Areas with high crime rates or more dense population like Chicago, Berwyn, and Evanston tend to pay more, whereas areas with less people or fewer weather incidents have the benefit of cheaper auto insurance prices.

The illustration below displays the most costly cities in Illinois after a speeding ticket in which to purchase auto insurance.

How much does car insurance cost in Illinois?
RankCityAnnual Rate
1Chicago$1,529
2Cicero$1,526
3Berwyn$1,464
4Skokie$1,405
5Evanston$1,276
6Des Plaines$1,274
7Oak Lawn$1,243
8Waukegan$1,224
9Mount Prospect$1,181
10Tinley Park$1,166
11Bolingbrook$1,150
12Orland Park$1,138
13Schaumburg$1,135
14Joliet$1,134
15Arlington Heights$1,128
16Palatine$1,121
17Rockford$1,107
18Elgin$1,105
19Peoria$1,092
20Aurora$1,085
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Rate quotes are approximated as specific Illinois zip code can raise or lower price quotes noticeably.

Finding good, low-priced insurance is tough enough, and figuring out which companies have the most affordable auto insurance rates after a speeding ticket will require even more shopping around.

Every insurance company uses a slightly different approach to determine rates, so let’s take a look at the overall cheapest auto insurance companies in Illinois.

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What’s the cheapest car insurance in Illinois?
RankCompanyCost Per Year
1The Hartford$776
2Rockford Mutual$847
3Titan$886
4Erie$914
5Cincinnati Insurance$915
6Travelers$952
7State Farm$972
8Utica National$984
9USAA$988
10SECURA$995
11Auto-Owners$1,022
12Amica$1,076
13Safeco$1,085
14GEICO$1,107
15Farmers$1,146
16California Casualty$1,161
17MetLife$1,220
18Esurance$1,221
19State Auto$1,236
20Progressive$1,243
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The Hartford may have some of the best car insurance rates in Illinois at around $776 annually. Rockford Mutual, Titan, Erie, and Cincinnati Insurance would also be considered some of the lowest-priced Illinois insurance companies.

As shown in the table above, if you are currently insured with Erie and switched to Rockford Mutual, you might achieve a yearly savings of in the vicinity of $67. Drivers with Cincinnati Insurance may save as much as $68 a year, and Travelers customers might reduce rates by $105 a year.

It’s important to note that these premiums are averaged for all drivers and vehicles and and are not calculated with a price decrease after a speeding ticket. So the car insurance company that is most affordable for your situation may not even be included in the chart above. That’s why you need to compare as many prices as possible using your own personal information and vehicle type.

Violations and accidents raise rates

In a perfect world, the best way to score cheap auto insurance premiums in Illinois after a few driving violations is to be a cautious driver and avoid accidents and traffic citations. The chart below highlights how speeding tickets and at-fault accidents can raise yearly insurance costs for different categories of driver ages. The information is based on a single male driver, full physical damage coverage, $250 deductibles, and no additional discounts are factored in.

In the chart above, the average cost of a car insurance policy in Illinois per year with no accidents and a clean driving record is $1,839. Factor in two speeding tickets and the average cost surges to $2,434, an increase of $596 each year. Then add one accident along with the two speeding tickets and the yearly cost of auto insurance after a speeding ticket jumps again to an average of $3,043. That’s an increase of $1,205, or $100 per month, just for not being attentive to the road!

State Farm, Geico, Allstate, or Progressive: Who is cheapest?

When buying auto insurance after a few driving violations in Illinois, probably the best companies to start with are State Farm, Geico, Allstate, and Progressive. The next table shows pricing and service ratings, as well as optional policy coverages you can buy with each company.

Largest Auto Insurance Company Ratings
State FarmGeicoAllstateProgressive
Discounts Available3rd2nd1st4th
Overall Cost2nd1st4th3rd
Customer Satisfaction4th1st2nd3rd
Claims Rank2nd3rd1st4th
U.S. market share18.3%11.4%10%8.8%
Mechnical breakdownNoYesNoYes
Rideshare coverageYesYesYesYes
Roadside assistanceYesYesYesYes
New car replacement insuranceNoNoYesNo
Accident forgivenessNoYesYesYes
Rate for vehicle usageYesNoYesYes
Coverage in IllinoisYesYesYesYes
Where to buyOnly from State Farm agentsCan buy online or use a Geico agentAllstate exclusive agentsBuy online or from an independent agent
Number of agents18,000+150+11,000+30,000+
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How to find cheaper auto insurance after a speeding ticket

The list below details some of the better thrifty ideas that can help Illinois drivers find cheaper auto insurance.

  • Do not get into accidents
  • Choose a safer vehicle and pay lower rates
  • Higher deductibles mean lower rates
  • Higher credit scores may earn you cheaper rates
  • Save money by insuring older vehicles for liability only
  • Do not get tickets or violations
  • Comparison shop at least every other year

The last idea is extraordinarily crucial, as was affirmed in the prior information. Prices fluctuate considerably, so don’t hesitate to buy from a different company if a cheaper price is available. Many drivers have brand loyalty and that’s fine, but it isn’t a good idea if that devotion results in you overpaying hundreds every year. It takes less than five minutes to compare rates and find cheaper auto insurance after a speeding ticket.

Who has the cheapest insurance quotes after a few driving violations?

There are many different ways to comparison shop for auto insurance in Illinois, but the three most common are from an exlusive agent like Liberty Mutual or State Farm, an independent or non-exclusive agent, or buying direct from a company like Geico or Progressive. Each way has the same basic process, but auto insurance buyers need to understand the differences in how they work.

Independent agents work with multiple companies and can quote your policy with all of them. These types of agents will give you a larger rate selection, which may provide you with a better overall rate comparison. If the agent locates a cheaper price, your policy can be easily switched to a new company without having to get a different agent.

Exclusive agencies are able to place business with just one company, a couple examples are Allstate or State Farm agents. They usually cannot provide multiple price quotes, which necessitates shopping around.

The final way is buying direct, which means you forego an independent or exclusive agent and instead buy buying direct from a company like Progressive or Geico. Buying direct may be preferred by consumers who do not need advice for asset protection and have a good understanding of what limits they need.

Which way is best for finding the best cheap car insurance after a speeding ticket in Illinois? It would be obvious to point out buying direct results in the cheapest price because there is no agent involved, but unfortunately, that is not always true. An argument could also be made that an independent agency is the best way since they can quote with many companies, but that’s not always true, either. In a lot of cases, the exclusive agents may have very competitive prices that cannot be beaten by either independent or direct companies.

Because of the variability of auto insurance rates, the one way to not overpay for auto insurance is to compare lots of quotes. To find the best rates, be sure to get prices from all three to have the best rate selection. For a list of companies offering online discounts, click here to view.

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