How Much Does Car Insurance Cost with Multiple Speeding Tickets in Illinois?

How Much Does Car Insurance Cost with Multiple Speeding Tickets in Illinois?

After a few driving violations, one of the big components that determine insurance cost is where you live in Illinois. Cities with more crime and/or more people like Chicago, Berwyn, and Evanston tend to have higher rates, whereas less populated areas have the enjoyment of a little cheaper coverage.

The next table lists the more expensive cities in Illinois with multiple speeding tickets to purchase car insurance in.

Where does Illinois rank for car insurance cost?
Rank City Annual Rate
1 Chicago $1,529
2 Cicero $1,526
3 Berwyn $1,421
4 Skokie $1,405
5 Evanston $1,238
6 Des Plaines $1,236
7 Oak Lawn $1,231
8 Mount Prospect $1,205
9 Waukegan $1,176
10 Orland Park $1,173
11 Palatine $1,155
12 Rockford $1,153
13 Schaumburg $1,135
14 Joliet $1,134
15 Tinley Park $1,132
16 Bolingbrook $1,128
17 Elgin $1,117
18 Arlington Heights $1,095
19 Aurora $1,085
20 Peoria $1,082
Find Cheaper Insurance Go

Price information shown is comparative as specific location information can alter coverage rates greatly.

The type of vehicle you are trying to insure is one of the main factors when trying to find low-priced insurance with multiple speeding tickets. Vehicles with high performance features, poor passenger safety features, or a track record of large liability claims will cost significantly more to insure than safer, lower-performance models.

The next table presents auto insurance premiums for a number of the more afforable vehicles to insure in Illinois.

Cheapest Auto Insurance Rates with Multiple Speeding Tickets in Illinois
Make and Model Estimated Cost for Full Coverage
Honda Accord LX-P 4-Dr Sedan $767
Honda CR-V EX 4WD $868
Chevrolet Impala LS $887
Chevrolet Malibu Hybrid $908
Toyota RAV4 Limited 2WD $914
Dodge Grand Caravan Hero $908
Ford Escape Limited 2WD $915
Hyundai Tucson GLS 2WD $920
Subaru Outback 2.5I Premium $926
Ford Explorer Limited 4WD $935
Honda Civic LX 4-Dr Sedan $943
Chevrolet Silverado LT Extended Cab 2WD $964
Honda Odyssey LX $967
Ford F-150 XL Super Cab 2WD $977
GMC Sierra SLE Regular Cab 4WD $982
Volkswagen Jetta SE 4-Dr Sedan $987
Hyundai Santa Fe Limited 4WD $982
Jeep Wrangler Rubicon 4WD 2-Dr $990
Toyota Sienna XLE $1,003
Chevrolet Equinox LT AWD $1,010
Jeep Grand Cherokee Laredo 4WD $1,003
Toyota Prius $1,006
Chevrolet Traverse LTZ 2WD $1,014
Start Your Quote Go

Above prices assume single female driver age 30, two speeding tickets, no at-fault accidents, $500 deductibles, and Illinois minimum liability limits. Discounts applied include homeowner, claim-free, multi-policy, and multi-vehicle. Price information does not factor in specific garaging location which can impact premium rates greatly.

Based upon the rates shown, you can infer that cars like the Honda Accord, Honda CR-V, Chevrolet Impala, Chevrolet Malibu, and Toyota RAV4 are most likely going to be some of the cheaper vehicles to insure after a few driving violations.

Cautious drivers save money

In a perfect world, the ideal way to maintain the best insurance premiums after a few driving violations is to be a safe driver and avoid traffic citations and accidents. The diagram below shows how traffic citations and accidents influence annual premium costs for different ages of insureds. The price estimates are based on a married female driver, full coverage, $250 deductibles, and no discounts are applied to the premium.

google.charts.setOnLoadCallback(drawVioqcibChart);function drawVioqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘No Violations or Accidents’, ‘One Speeding Ticket and No Accidents’, ‘One Speeding Ticket and Two Accidents’],[‘Age 20’, 1519,1689,3189],[‘Age 30’, 1065,1235,2733],[‘Age 40’, 1051,1225,2723],[‘Age 50’, 925,1099,2599],[‘Age 60’, 883,1053,2553],[‘Age 70’, 945,1119,2613]]);var options = {title: ‘Violations, Accidents, and Illinois Car 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 per year with a clean driving record and no accidents is $1,065. Add in one speeding ticket and the average cost hikes up to $1,237, an increase of $172 each year. Now include two accidents along with the one speeding ticket and the annual cost of insurance with multiple speeding tickets jumps again to an average of $2,735. That’s an increase of $1,670, or $139 per month, just for not being attentive to the road!

How to find cheap auto insurance with multiple speeding tickets in Illinois

The list below shows some penny-pinching ideas that can help drivers get low-cost coverage.

  • Violations like speeding or DUI increase rates
  • Drive vehicles with five-star safety ratings
  • Raise deductibles
  • Staying accident-free helps keep rates low
  • Better credit rating means better rates
  • Compare prices frequently to find the best deal

That final tip is extremely crucial, as we noted in the article above. Rates vary considerably, so you should be ready to buy from a different company if you can save money.

Being loyal to a particular company is commendable, but is isn’t recommended if that dedication is costing a wad of cash every year. Now is a great time to compare rates and find cheaper insurance with multiple speeding tickets.