Cheap Auto Insurance Quotes for Drivers with a Bad Driving Record in Illinois

Cheap Auto Insurance Quotes for Drivers with a Bad Driving Record in Illinois

Wouldn’t it be great if we could instantly tell you the one company that has the most affordable coverage for drivers with a bad driving record? That is not the case, however, as there are a whole bunch of unknowns like if you are married or single, if you are currently insured, if you want full coverage, and your credit rating, that all impact the cost of your policy. We will try to cover the different scenarios that increase car insurance cost and will hopefully give you a good start in finding the cheapest insurance in Illinois.

Locating low-cost auto insurance is not always easy, and determining which companies have the most affordable car insurance rates for drivers with a bad driving record will require a little more work. Rates should be quite a bit greater than the state average, with the increase attributed to the potentially higher risk that goes along with offering coverage for bad drivers, but reasonably-priced coverage may be achievable if you find the right company. Each auto insurer has a proprietary method to determine premium rates, so let’s begin by taking a look at the car insurance companies that tend to have lower prices in Illinois.

We do need to point out that Illinois car insurance rates are based on many factors that may substantially change the price you pay. Simply having another birthday, getting married, or getting caught speeding can trigger price changes resulting in some companies being more expensive than competitors.

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The Hartford may have some of the lowest car insurance rates in Illinois at around $769 annually. Rockford Mutual, Titan, Erie, and Cincinnati Insurance also are some of the best Illinois car insurance companies.

In the above example, if you currently buy coverage from Erie and switched to Rockford Mutual, you may realize savings of in the vicinity of $58. Customers with Cincinnati Insurance may save as much as $68 a year, and USAA insureds might cut rates by $132 a year.

To see if your current coverage is too expensive, click here to get quotes or visit any of the companies below.

Bear in mind that those prices are averaged across all types of insureds and vehicles and do not take into consideration a price increase for drivers with a bad driving record. So the car insurance company that is most affordable for your situation may not even be in the company chart above. That illustrates why you need to compare rates from as many companies as possible using your own specific driver and vehicle information.

When shopping for auto insurance for bad drivers, one of the many criteria that is used to help calculate the amount you pay for auto insurance is where your residence is. Cities with larger populations or higher claim trends like Cicero, Berwyn, and Oak Lawn tend to have higher auto insurance costs, whereas areas with fewer weather claims and lower vehicle theft rates benefit from lower coverage costs.

The table below rates the most expensive areas in Illinois for drivers with a bad driving record to buy car insurance in.

How much does auto insurance cost in Illinois?
Rank City Premium Per Year
1 Cicero $1,588
2 Chicago $1,499
3 Berwyn $1,449
4 Skokie $1,405
5 Oak Lawn $1,281
6 Evanston $1,238
7 Des Plaines $1,236
8 Waukegan $1,212
9 Mount Prospect $1,181
10 Schaumburg $1,157
11 Rockford $1,153
12 Bolingbrook $1,150
13 Arlington Heights $1,139
14 Orland Park $1,138
15 Joliet $1,134
16 Palatine $1,121
17 Tinley Park $1,120
18 Elgin $1,105
19 Peoria $1,092
20 Springfield $1,059
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Premium costs are estimated as specific Illinois garaging address can revise prices considerably.

Illinois car insurance companies

Choosing a good quality insurer can be challenging considering how many choices drivers have in Illinois. The company rank data in the next section may help you choose which companies you want to consider to insure your vehicles.

These rankings include large, nationwide insurance companies, so companies that only write business in Illinois or surrounding areas are not factored into this list. If you’d like to compare prices from many more Illinois auto insurance companies, click this link.

Top Car Insurance Companies in Illinois
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
USAA 99 100 90 92% A++ 97.4
21st Century 89 86 100 88% A 92.7
GEICO 97 91 88 85% A++ 92.5
Nationwide 88 94 91 88% A+ 91.3
AAA Insurance 93 87 88 87% A 90.8
Liberty Mutual 91 91 92 87% A 90.7
Safeco Insurance 90 93 88 86% A 90.2
State Farm 91 94 80 88% A++ 90.2
Travelers 89 91 94 79% A++ 90.1
American Family 88 92 83 88% A 89.4
Titan Insurance 89 91 83 86% A+ 89.3
Allstate 90 90 84 85% A+ 89.1
Progressive 83 85 99 87% A+ 88.7
Erie Insurance 92 90 82 88% A+ 88.5
Mercury Insurance 87 95 87 84% A+ 88.3
The Hartford 87 89 84 87% A+ 88
Esurance 84 88 85 83% A+ 86
Farmers Insurance 79 88 84 87% A 84.7
The General 88 80 85 80% A- 84.5
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Data Source: Insure.com Best Car Insurance Companies

Get discounts on Illinois auto insurance rates

Car insurance for bad drivers in IllinoisCar insurance companies that sell cheap auto insurance for drivers with a bad driving record in Illinois may provide special discounts that could potentially reduce rates by as much as 30% if you meet specific eligibility requirements. A few popular companies and the discounts they provide can be read below.

  • GEICO policyholders can earn discounts including daytime running lights, federal employee, membership and employees, defensive driver, anti-theft, military active duty, and seat belt use.
  • Auto-Owners Insurance has savings for teen driver, mature driver, multi-policy, multiple vehicles, anti-lock brakes, and air bags.
  • American Family may have discounts that include bundled insurance, defensive driver, air bags, TimeAway discount, and Steer into Savings.
  • Esurance may include discounts for safety device, emergency road assistance, claim free, paid-in-full, and multi-car.
  • Progressive discounts include multi-policy, continuous coverage, online signing, multi-vehicle, online quote discount, and good student.
  • State Farm offers premium reductions for driver’s education, multiple policy, Drive Safe & Save, student away at school, and anti-theft.
  • AAA offers discounts for education and occupation, anti-theft, good student, good driver, AAA membership discount, multi-policy, and pay-in-full.

The example below visualizes the comparison of insurance costs with and without discounts applied to the policy premium. The prices are based on a female driver, two violations and one accident, Illinois state minimum liability limits, comp and collision included, and $250 deductibles. The first bar for each age group shows the price with no discounts. The second shows the rates with continuous coverage, anti-theft, homeowner, paid-in-full, marriage, and vehicle safety discounts applied. When drivers qualify for the discounts, the the average amount saved on car insurance for drivers with a bad driving record is 28% or $611.

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Find cheap auto insurance for drivers with a bad driving record in Illinois

Here are a few penny-pinching solutions that can help Illinois drivers locate lower-cost coverage.

  • Prevent rate increases by staying accident-free
  • Claim-free drivers earn discounts
  • Drivers with good credit ratings often pay less
  • Vehicles with good safety ratings are usually cheaper to insure
  • Just one traffic violation will increase your rates
  • Compare rates once a year for cheaper prices

That last piece of advice is incredibly valuable, as was pointed out in this write-up. Car insurance prices in Illinois can be modified anytime, so don’t be hesitant to change to a new company if a more affordable price is available. Many drivers tend to have loyalty to a certain company, but is isn’t recommended if that devotedness results in you overpaying hundreds of dollars year after year. In just a few minutes you could shop around and find cheaper car insurance for drivers with a bad driving record.