Best Cheap Auto Insurance Quotes for High Risk Drivers in Illinois

The type of vehicle that is being insured is a large factor when comparison shopping for the best cheap auto insurance for high risk drivers in Illinois. Vehicles with lower acceleration and performance, an excellent safety record, or low incidents of liability claims will cost significantly less to insure than high performance models. The data below features coverage costs for the most budget-friendly vehicles to insure.

Cost estimates assume single male driver age 50, two speeding tickets, two at-fault accidents, $1,000 deductibles, and Illinois minimum liability limits. Discounts applied include homeowner, multi-vehicle, and multi-policy. Prices do not factor in Illinois location which can increase or decrease price quotes considerably.

Based upon these rates, we can tell that makes and models like the Ford Escape, Honda CR-V, Hyundai Elantra, and Toyota Prius are most likely to be the cheapest vehicles to insure for high risk drivers. The price for an auto insurance policy will tend to be more expensive anyway because of the fact that there is more liability risk for high risk drivers, but generally speaking those models will most likely have the lowest insurance prices possible.

For high risk drivers, one of the big things that help determine car insurance rates is where you call home in Illinois. Areas with more people like Cicero, Berwyn, and Des Plaines will most likely pay more, whereas areas with less congestion have the luxury of lower rates.

The next table shows the most costly cities in Illinois for high risk drivers to purchase a policy in.

Annual rates are comparative as the garaging address in Illinois can change rates noticeably.

Finding cheap auto insurance is challenging, and deciding which company has the lowest-priced car insurance rates for high risk drivers will require a little more work. Rates will probably be much greater than the average policy in Illinois, with the increase attributed to the additional risk related to offering insurance for high risk drivers, but competitive insurance may be available with some perseverence. Each insurance company has a unique formula for determining rates, so let’s begin by examining the overall cheapest car insurance companies in Illinois.

It’s important that readers know that Illinois car insurance rates are influenced by many factors which can substantially change the price you pay for coverage. Simply having another birthday, buying another vehicle, or getting a ticket for running a stop sign may prompt premium changes resulting in some companies being more affordable than the competition.

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The Hartford generally has some of the most affordable car insurance rates in Illinois at around $776 a year. Rockford Mutual, Erie, Titan, and Cincinnati Insurance also are some of the cheaper Illinois auto insurance companies.

As the rates illustrate above, if you are a policyholder with Erie and switched to The Hartford, you might realize savings of approxmiately $102. Customers with Titan might save as much as $102 a year, and Cincinnati Insurance customers might reduce rates by $139 a year.

These policy prices are averaged for all drivers and vehicles in Illinois and do not take into consideration a price surcharge for high risk drivers. So the auto insurance company that fits you best may not even be in the company chart above. That illustrates why you need to compare rates from multiple companies using your own personal information and vehicle type.

Drive responsibly or pay higher rates

The common sense way to maintain the best car insurance premiums for high risk drivers is to pay attention while driving and avoid getting tickets or having accidents. The illustration below demonstrates how traffic citations and at-fault accidents raise auto insurance costs for each age group. The price estimates are based on a single female driver, full coverage, $1,000 deductibles, and no other discounts are factored in.

google.charts.setOnLoadCallback(drawVioqcibChart);function drawVioqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘No Violations or Accidents’, ‘Two Speeding Tickets and No Accidents’, ‘Two Speeding Tickets and One Accident’],[‘Age 20’, 2119,2589,3069],[‘Age 30’, 1425,1897,2381],[‘Age 40’, 1337,1807,2287],[‘Age 50’, 1169,1639,2119],[‘Age 60’, 1129,1603,2085],[‘Age 70’, 1339,1809,2287]]);var options = {title: ‘Impact of Citations and Accidents on Illinois Insurance Prices’,titleTextStyle: {color: ‘#333’, fontSize: 17, bold: true},width: ‘100%’,height: 600,’chartArea’: {left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},colors:[‘#b2da64′,’#eed355′,’#e39e71’],hAxis: {title: ‘Annual Auto Insurance Cost for Average Vehicle in Illinois’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);formatter.format(data,3);var chart = new google.visualization.BarChart(document.getElementById(‘qcibvio’));chart.draw(data, options);}

In the chart above, the average cost of a car insurance policy in Illinois per year with a clean driving record and no accidents is $1,420. Factor in two speeding tickets and the average cost hikes up to $1,891, an increase of $471 each year. Then add in one accident along with the two speeding tickets and the annual cost of car insurance for high risk drivers increases to an average of $2,371. That’s an increase of $952, or $79 per month, just for a couple of infractions!

Types of discounts on Illinois car insurance rates

Insurers that offer the best cheap auto insurance for high risk drivers in Illinois could also offer special discounts that can reduce rates by 30% or more if you meet eligibility requirements. Companies and the discounts they provide are included below.

The chart below shows the difference between auto insurance rates with and without discounts applied to the rates. The data is based on a male driver, one speeding ticket and one accident, Illinois state minimum liability limits, comp and collision included, and $250 deductibles.

The first bar for each age group shows premium with no discounts. The second shows the rates with paperless filing, multiple vehicle, marriage, vehicle safety, multiple policy, and passive restraint discounts applied. When discounts are factored in, the average savings per year on car insurance for high risk drivers is 13% or $167.

google.charts.setOnLoadCallback(drawDiscqcibChart);function drawDiscqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Male Driver No Discounts’, ‘Male Driver with Discounts’],[‘Age 20’, 3331,2393],[‘Age 30’, 2083,1509],[‘Age 40’, 2071,1497],[‘Age 50’, 1949,1409],[‘Age 60’, 1905,1381],[‘Age 70’, 2153,1551]]);var options = {title: ‘Effect of Discounts on Insurance Price for High Risk Drivers’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 500,’chartArea’:{left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’},colors: [‘#6791b9’, ‘#98bee2’],hAxis: {title: ‘Annual Auto Insurance Cost for Average Vehicle’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);var chart = new google.visualization.BarChart(document.getElementById(‘qcibdisc’));chart.draw(data, options);}

Progressive, Allstate, Geico, and State Farm compared

When comparing car insurance for high risk drivers in Illinois, the most popular companies are Progressive, Allstate, Geico, and State Farm. When added together, they insure over 45% of the car insurance market in the United States. All offer liability and physical damage insurance, but each one has different optional coverages and features that can influence your buying decision. The data below ranks price and claims rank as well as some different options that may be available in Illinois.