Who Has the Cheapest Car Insurance Quotes for Felons in Illinois?

Wouldn’t it be awesome if we could tell you the best company in Illinois that has the cheapest rates for felons? It’s not that simple, unfortunately, as there are a whole slew of unknowns such as your annual mileage driven, if you are married or single, if you are a homeowner, and your prior traffic citations, that all impact the price you pay. This article covers the types of situations that result in high rates and also should give you a good beginning to your search for cheaper coverage.

Determining which companies quote the cheapest car insurance rates for felons takes a little more effort than just quoting one company’s rates.

Each company uses a different method for determining rates, so we need to take a look at the car insurance companies that tend to have lower prices in Illinois. It’s a good idea to know that Illinois car insurance rates are determined by lots of factors that will increase or decrease the policy price. Simply having a birthday, buying another vehicle, or getting a reckless driving citation can trigger changes in premium that may make certain companies cheaper in comparison to the competition.

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The Hartford normally has some of the cheapest car insurance rates in Illinois at around $769 each year. Rockford Mutual, Titan, Erie, and Cincinnati Insurance also rank well as some of the more affordable Illinois insurance companies.

In this example, if you are currently insured with Rockford Mutual and switched to The Hartford, you might see an annual savings of upwards of $78. Drivers with Titan might save as much as $117 a year, and Erie customers might see rate reductions of $136 a year.

Remember that these policy prices are averages across all ages of drivers and types of vehicles and do not take into consideration a price discount for felons. So the auto insurance company that fits your situation best may not even be featured in the list above. That is why you need to quote rates from many companies using your own personalized driver profile and vehicle information.

For felons, one of the big things that is used by car insurance companies to determine the policy price is where your home is located. Densely populated urban areas like Cicero, Berwyn, and Oak Lawn tend to have higher rates, whereas areas with lower vehicle theft rates and fewer weather claims benefit from lower prices.

The illustration below rates the priciest cities in Illinois for felons to buy auto insurance in.

Information shown are approximated as specific Illinois zip code can influence coverage prices considerably.

The make and model of vehicle requiring coverage is one of the largest considerations when quoting the cheapest car insurance for felons in Illinois. Vehicles with limited top-end speed, good safety features, or low incidents of liability claims will cost substantially less to insure than adrenaline junky models. The lists below features coverage premiums for a selection of the cheaper vehicles to insure in Illinois.

Data assumes married female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Illinois minimum liability limits. Discounts applied include claim-free, safe-driver, multi-vehicle, multi-policy, and homeowner. Premium costs do not factor in zip code location which can lower or raise auto insurance rates noticeably.

Table data represents married female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Illinois minimum liability limits. Discounts applied include safe-driver, multi-policy, homeowner, multi-vehicle, and claim-free. Table data does not factor in garaging location in Illinois which can influence price quotes considerably.

Data variables include married female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Illinois minimum liability limits. Discounts applied include multi-vehicle, homeowner, safe-driver, claim-free, and multi-policy. Table data does not factor in your specific Illinois location which can change coverage rates considerably.

Ending up with a high-quality car insurance company can be a challenge considering how many companies sell coverage in Illinois. The company rank data in the next section could help you pick which car insurance providers to look at to insure your vehicles. The ratings below include large nationwide companies, so companies with more of a regional focus are not factored into this list.

How much more does full coverage cost?

Finding the cheapest car insurance for felons in Illinois should be important to most vehicle owners, and one of the quickest ways to reduce the cost of insurance is to buy liability only. The chart below visualizes the comparison of insurance costs when comparing full coverage to liability only. The prices are based on no accidents or driving violations, $500 deductibles, drivers are single, and no discounts are applied to the premium.

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On average, full coverage on your policy costs an additional $1,648 per year more than just insuring for liability. That proposes the question if buying full coverage is a waste of money. There is no exact formula to stop paying for physical damage coverage on your policy, but there is a general guideline you can use. If the annual cost of having full coverage is more than about 10% of the replacement cost of your vehicle minus the policy deductible, then it’s probably a good time to buy liability coverage only.

Which major car insurance company is best?

If you’re looking for the best auto insurance for felons in Illinois, four companies you’ll want quotes from are Progressive, Geico, Allstate, and State Farm. The next table compares and contrasts ratings and policy coverage options you can expect with each one.

Cheap insurance quotes for felons

Thanks to the internet, there are a lot of ways to find cheap car insurance in Illinois, but the three most common ways are through a captive (or exclusive) agency like Liberty Mutual or State Farm, an independent agent, or direct from companies such as Geico or Progressive.

All three ways are similar, but it’s important to understand the differences in how they provide rate quotes.

Independent agencies are appointed by several companies and can quote your policy with every one. Agents of this type possess the freedom to get prices from more than one company, which can give you improved odds of finding cheaper coverage. If prices rise, you can get a different policy which requires no work on your part.

A captive or exclusive agent is able to place business with just one company, a couple examples are a Farmers or Allstate agent. Exclusive agents generally are unable to provide other companys’ prices, so if their prices are high, they cannot shop around.

The third popular method of shopping for car insurance is direct, which means you skip local agents and buy from a direct company like Esurance. Buying direct can be a good choice for families who have fewer assets and have an above average understanding of what coverage limits and deductibles they need.

Out of those three methods, which one works best for finding the cheapest car insurance for felons in Illinois? We would first guess that buying from a direct company results in the best prices since no commissions are paid to an agent, but unfortunately, that is not the case. A good argument could also be made that an independent agency is the best way due to increased selection, but again, that’s not accurate. And occasionally, exclusive agencies have extremely competitive rates that cannot be met by either independent or direct companies.

Because it’s impossible to say who has the best car insurance rates, the guaranteed way to get the lowest rate is to compare lots of quotes. Take some time and get price quotes from all three in order to have the best selection to choose from. For a list of companies offering online discounts, click here to view.