Who Has the Cheapest Auto Insurance for Drivers with a Bad Driving Record in Illinois?
For bad drivers, one of the more important things that is looked at to determine the amount you pay each year for auto insurance is where your car is garaged in Illinois. Cities with more crime and/or more people like Chicago, Berwyn, and Des Plaines will most likely pay more, whereas areas with less crime or weather claims generally pay lower insurance rates.
The table below lists the higher priced cities in Illinois for drivers with a bad driving record to purchase auto insurance in.
|Rank||City||Premium Per Year|
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Premium costs are approximated as the garaging address in Illinois can impact price quotes noticeably.
Comparing quotes for low-priced car insurance is difficult, and figuring out which company offers the best car insurance rates for drivers with a bad driving record calls for even more rate comparisons. Insurance rates could be significantly more expensive than the average price in Illinois due to the additional risk that comes with offering insurance for bad drivers, but competitively-priced coverage should be attainable if you carefully shop around. Each insurance company has their own process to establish rates, so to begin we’ll rank the most competitive car insurance companies in Illinois.
It’s a good idea to know that Illinois car insurance rates are based on many factors which can substantially change the policy price. Simply turning a year older, having a teenage driver, or having a fender bender can trigger price changes that may make certain companies more expensive than competitors.
Find the Cheapest Auto Insurance for Imperfect Drivers
|Rank||Company||Cost Per Year|
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The Hartford quotes some of the best car insurance rates in Illinois at around $746 annually. Rockford Mutual, Titan, Erie, and Cincinnati Insurance would also be considered some of the cheapest Illinois car insurance companies.
In the above rates, if you are insured with Erie and switched to The Hartford, you may realize savings of around $141. Policyholders with Cincinnati Insurance may save as much as $169 a year, and USAA insureds might reduce prices by as much as $213 a year.
These estimates are averaged across all types of drivers and the different vehicles they drive and do not factor in a rate increase for drivers with a bad driving record. So the company that fits your needs best may not even be shown in the above list. That underscores the importance of why you need to get quotes using your own personalized driver profile and vehicle information.
The car, truck, or SUV you are seeking coverage for is a large consideration in finding the most economical insurance for drivers with a bad driving record. Vehicles with economical engines, good crash test ratings, or a positive history of liability claims will cost less to insure than adrenaline junky models.
The next table estimates auto insurance rates for a number of the cheaper automobiles to insure in Illinois.
|Vehicle Insured||Estimated Cost for Full Coverage|
|Honda CR-V EX 2WD||$1,763|
|Hyundai Elantra GLS Touring Station Wagon||$1,781|
|Ford Escape Limited 4WD||$1,881|
|Chevrolet Traverse LTZ 2WD||$1,912|
|Jeep Wrangler Sahara 4WD 2-Dr||$1,934|
|Ford F-150 XL Crew Cab 2WD||$1,990|
|Hyundai Tucson GLS 2WD||$1,993|
|Honda Odyssey EX W/Rear Entertainment||$2,007|
|Subaru Forester XT Limited Edition AWD||$2,020|
|Toyota RAV4 Limited 4WD||$2,026|
|Chevrolet Equinox LT 2WD||$2,033|
|Chevrolet Impala LT||$2,026|
|Ford Explorer Limited AWD||$2,046|
|Kia Forte SX 4-Dr Sedan||$2,051|
|Jeep Grand Cherokee Laredo 2WD||$2,087|
|Nissan Altima 2.5 4-Dr Sedan||$2,107|
|Toyota Tacoma Double Cab TRD Off-Road Package 4WD||$2,109|
|Toyota Corolla S||$2,118|
|Toyota Highlander SE 2WD||$2,131|
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Prices based on single male driver age 30, two speeding tickets, two at-fault accidents, $1,000 deductibles, and Illinois minimum liability limits. Discounts applied include homeowner, multi-policy, and multi-vehicle. Table data does not factor in vehicle location which can alter coverage rates considerably.
Looking at the data, you can conclude that vehicles like the Honda CR-V, Hyundai Elantra, Ford Escape, and Toyota Prius should be a few of the most economical vehicles to insure for bad drivers. The price for an auto insurance policy will be more expensive just due to the fact that there is more claim risk for drivers with a bad driving record, but overall those makes and models will have the cheapest auto insurance rates compared to other vehicles.
Does State Farm, Geico, Progressive, or Allstate have the cheapest car insurance?
When researching auto insurance, four good companies to start with are State Farm, Geico, Progressive, and Allstate. The next table illustrates some of the different features that are available from each company.
|Amount of market share||18.3%||11.4%||8.8%||10%|
|Recommend by customers||88%||87%||88%||86%|
|New car replacement||No||No||No||Yes|
|Emergency roadside service||Yes||Yes||Yes||Yes|
|Coverage in Illinois||Yes||Yes||Yes||Yes|
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