How Much Does Auto Insurance Cost for Drivers Requiring a SR22 in Illinois?

It’s hard to miss the ads from insurers like Nationwide, GEICO, and Progressive that say if you switch you’ll get huge savings, so drivers should just choose one randomly, right?

It’s not quite that easy, unfortunately, as there are a whole bunch of unknown aspects like the amount of liability insurance you need, your credit rating, and if you own the home you live in, that all impact the price you pay. The information below will cover some of these things and should give you a good start in finding the cheapest insurance.

When shopping for the cheapest auto insurance for high risk drivers, one of the many factors used to determine the amount you pay for auto insurance is where your car is garaged in Illinois. Cities with more crime and/or more people like Cicero, Berwyn, and Oak Lawn will most likely have higher rates, whereas areas with less traffic congestion and claims have the gratification of cheap auto insurance for drivers requiring a SR22 in Illinois.

The following table ranks the more expensive cities in Illinois for drivers requiring a SR22 in which to purchase auto insurance.

Premium amounts are comparative as the specific Illinois residence address can influence premiums significantly.

The vehicle needing coverage is probably the most important factor in finding cheap auto insurance for drivers requiring a SR22 in Illinois. Vehicles with lower acceleration and performance, a plethora of safety features, or low incidents of liability claims will cost substantially less to insure than fast, unsafe models. The next tables illustrates insurance costs for the most affordable automobiles to insure in Illinois.

Price data assumes married male driver age 50, two speeding tickets, two at-fault accidents, $500 deductibles, and Illinois minimum liability limits. Discounts applied include homeowner, multi-policy, and multi-vehicle. Price estimates do not factor in specific location information which can influence coverage rates substantially.

Data variables include married male driver age 50, two speeding tickets, two at-fault accidents, $500 deductibles, and Illinois minimum liability limits. Discounts applied include multi-policy, multi-vehicle, and homeowner. Premium costs do not factor in zip code location which can revise rates greatly.

Price data assumes married male driver age 50, two speeding tickets, two at-fault accidents, $500 deductibles, and Illinois minimum liability limits. Discounts applied include multi-vehicle, homeowner, and multi-policy. Estimates do not factor in zip code location which can revise rates greatly.

Deciding which company quotes the best car insurance rates for drivers requiring a SR22 will involve a little more work in order to find the most economical policy.

Every auto insurer uses a slightly different approach for filing rates in each state, so let’s take a look at the lowest cost car insurance companies in Illinois. Keep in mind that Illinois car insurance rates are impacted by many factors that can increase your annual premium. Simply improving your credit, having a teenage driver, or having an accident may cause policy rate changes resulting in some rates now being cheaper than before.

Best Car Insurance Prices for SR22 Drivers

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The Hartford offers some of the best car insurance rates in Illinois at around $746 annually. Rockford Mutual, Titan, Erie, and Cincinnati Insurance also make the cut as some of the most economical Illinois insurance companies.

As illustrated above, if you are a policyholder with Rockford Mutual and switched to The Hartford, you might achieve an annual savings of approxmiately $101. Policyholders with Titan might save as much as $140 a year, and Erie customers might lower prices by up to $141 a year.

Remember that these policy rates are averages across all drivers and vehicles in Illinois and are not factoring in a price increase for drivers requiring a SR22. So the car insurance company that fits your situation best may not even be shown in the list of companies shown earlier. That is why you need to get auto insurance quotes using your own personal information and vehicle type.

State Farm, Progressive, Geico, and Allstate compared

When it comes to car insurance for high risk drivers in Illinois, four of the larger companies to compare rates for are State Farm, Progressive, Geico, and Allstate. The table below illustrates ratings for price, service, and claims, in additional to some of the optional coverages you can expect with each one.