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Cheap Auto Insurance Quotes for High Risk Drivers in Illinois

Trying to find low-cost car insurance is not easy, and finding out which companies have the most affordable insurance rates for high risk drivers takes a bit more work. Policy rates will most likely be much more expensive than the average policy in Illinois, with the increase attributed to the potentially higher risk that comes with offering coverage for high risk drivers, but reasonable coverage should be obtainable if you do a thorough comparison. Each company has a proprietary method to determine premium rates, so let’s take a look at the most budget-friendly insurance companies in Illinois.

It’s a good idea to know that Illinois insurance rates are based on many factors which can substantially decrease or increase the cost of coverage. Events such as a birthday, buying a different home, or getting a few speeding tickets can trigger changes in premium resulting in some companies being much cheaper than others.

Best Car Insurance Prices for Risky Drivers

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The Hartford may offer some of the cheapest car insurance rates in Illinois at around $753 a year. Rockford Mutual, Erie, Titan, and Cincinnati Insurance would also make the list of some of the cheapest Illinois auto insurance companies.

In the above rates, if you are a policyholder with Rockford Mutual and switched to The Hartford, you could see yearly savings of in the neighborhood of $69. Drivers with Erie may save as much as $125 a year, and Titan customers might reduce rates by $125 a year.

To find cheap auto insurance for high risk drivers in Illinois, click here to begin a quote or visit any of the low-priced companies below.

Understand that those policy prices are averaged for all types of drivers and the different vehicles they drive and and are not calculated with a price surcharge for high risk drivers. So the car insurance company that is best suited for you may not even be included in the list of companies above. That helps illustrate why you need to compare rates from multiple companies using your own driver and vehicle profiles.

The safety and performance level of the vehicle on the policy is one of the primary factors when shopping for cheap auto insurance for high risk drivers in Illinois. Vehicles with lots of horsepower, poor safety ratings, or high incidents of liability claims will cost much more to insure than safer, lower-performance models.

The information below ranks insurance prices for a handful of the most cost-effective automobiles to insure in Illinois.

Auto Insurance Rates for Popular Cars in Illinois
Make, Model, and Trim LevelAnnual CostSemi-Annual CostMonthly Cost
Chevrolet Malibu Hybrid$2,456$1,228$205
Ford Focus SES 2-Dr Coupe$2,778$1,389$232
Ford Fusion Sport 4-Dr Sedan$2,588$1,294$216
Hyundai Sonata SE 4-Dr Sedan$2,778$1,389$232
Kia Optima EX$2,802$1,401$234
Nissan Altima 2.5 S 2-Dr Coupe$2,802$1,401$234
Toyota Camry SE$2,564$1,282$214
Toyota Corolla XLE$2,564$1,282$214
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Data rating is based on married female driver age 50, two speeding tickets, two at-fault accidents, $1000 deductibles, and Illinois minimum liability limits. Discounts applied include multi-policy, homeowner, and multi-vehicle. Price estimates do not factor in the specific area where the vehicle is garaged which can decrease or increase premium rates significantly.

Insurance Rates for Popular SUVs and Crossovers in Illinois
Make, Model, and Trim LevelAnnual CostSemi-Annual CostMonthly Cost
Acura MDX Advance/Entertainment 4WD$2,610$1,305$218
BMW X5 4.8I AWD$2,744$1,372$229
Chevrolet Traverse LTZ 2WD$2,230$1,115$186
Ford Escape Limited 2WD$2,096$1,048$175
Ford Explorer XLT 4WD$2,346$1,173$196
GMC Acadia SLT 2WD$2,456$1,228$205
Honda CR-V LX 4WD$2,072$1,036$173
Honda Pilot Touring 2WD$2,480$1,240$207
Hyundai Tucson Limited 4WD$2,456$1,228$205
Jeep Grand Cherokee Laredo 2WD$2,456$1,228$205
Kia Sportage EX 4WD 4-Dr$2,456$1,228$205
Toyota Highlander SE 4WD$2,610$1,305$218
Toyota RAV4 Sport 2WD$2,456$1,228$205
Volvo XC90 3.2 AWD$2,720$1,360$227
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Table data assumes married female driver age 50, two speeding tickets, two at-fault accidents, $1000 deductibles, and Illinois minimum liability limits. Discounts applied include multi-policy, multi-vehicle, and homeowner. Price information does not factor in vehicle location which can revise coverage prices greatly.

Insurance Rates for Popular Pickup Trucks in Illinois
Make, Model, and Trim LevelAnnual CostSemi-Annual CostMonthly Cost
Chevrolet Colorado LT Crew Cab 2WD$2,432$1,216$203
Chevrolet Silverado 2500HD LT Extended Cab Diesel 2WD$2,934$1,467$245
Chevrolet Silverado LS Crew Cab 2WD$2,802$1,401$234
Dodge Ram 3500 Crew Cab Laramie 2WD$2,744$1,372$229
Dodge Ram Crew Cab TRX 2WD$2,694$1,347$225
Ford F-150 SVT Raptor Super Cab 4WD$2,480$1,240$207
GMC Sierra 2500HD SLE Regular Cab 4WD$2,588$1,294$216
GMC Sierra SLE Crew Cab 2WD$2,456$1,228$205
Toyota Tacoma 4WD$2,346$1,173$196
Toyota Tundra Regular Cab 4WD$2,694$1,347$225
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Table data represents married female driver age 50, two speeding tickets, two at-fault accidents, $1000 deductibles, and Illinois minimum liability limits. Discounts applied include multi-policy, homeowner, and multi-vehicle. Rate quotes do not factor in vehicle garaging location which can affect premiums considerably.

Discounts on cheap auto insurance for high risk drivers in Illinois

Discounts on insurance for high risk driversInsurers that sell policies for high risk drivers may have premium discounts that could potentially reduce rates by as much as 35% if you are eligible. The best insurance companies and some of the discounts are:

  • Progressive offers discounts for continuous coverage, online signing, good student, multi-policy, and homeowner.
  • Farmers Insurance may include discounts for multi-car, teen driver, youthful driver, early shopping, switch companies, and good student.
  • Farm Bureau includes discounts for multi-vehicle, 55 and retired, driver training, safe driver, and good student.
  • State Farm has savings for passive restraint, anti-theft, multiple policy, defensive driving training, good student, Steer Clear safe driver discount, and multiple autos.
  • GEICO may have discounts that include military active duty, anti-lock brakes, emergency military deployment, anti-theft, seat belt use, and membership and employees.
  • SAFECO discounts include accident prevention training, teen safety rewards, teen safe driver, multi-car, anti-lock brakes, and safe driver.
  • Liberty Mutual policyholders can earn discounts including safety features, teen driver discount, new graduate, new move discount, new vehicle discount, hybrid vehicle, and newly retired.

The illustration below illustrates the comparison of insurance costs with and without discounts applied to the policy premium. The data is based on a female driver, one violation and two at-fault accidents, Illinois state minimum liability limits, full physical damage coverage, and $100 deductibles.

The first bar for each age group shows the price with no discounts. The second bar shows the rates with vehicle safety, continuous coverage, multiple policy, homeowner, anti-theft, and paperless filing discounts applied. With discounts applied, the average yearly reduction on insurance for high risk drivers is 28% or $1,238.

The chart below illustrates how your choice of deductibles can impact annual premium costs when getting quotes for cheap insurance for high risk drivers. The price estimates are based on a single female driver, comp and collision included, and no discounts are applied.

The data above shows that a 30-year-old driver could cut expenses by $284 a year by switching the physical damage coverage from a $100 deductible up to a $500 deductible, or save $428 by choosing a $1,000 deductible. Even younger insureds, like the age 20 example, can cut as much as $632 annually by selecting a higher deductible. When using a larger deductible, it is necessary to have additional savings on hand to allow you to pay the extra out-of-pocket expense, which deters some people from using high deductibles.

How violations and accidents impact rates

The easiest method to get the most affordable insurance premiums for high risk drivers is to be an attentive driver and avoid accidents and traffic citations. The chart below demonstrates how traffic citations and accidents impact premium costs for each age group. The rate quotes are based on a married male driver, full coverage, $500 deductibles, and no discounts are factored in.

The data charted above shows the average cost of a car insurance policy per year with no violations or accidents is $1,426. Get written up for one speeding ticket and the average cost hikes up to $1,639, an increase of $214 each year. Then add two accidents along with the one speeding ticket and the yearly cost of insurance for high risk drivers goes up to an average of $3,544. That’s an increase of $2,119, or $177 per month, just for not being a responsible driver!

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