In our analysis, Hanover offers affordable options for young drivers, senior drivers and those with speeding tickets. American Family is the go-to for drivers with an accident. Mercury provides budget-friendly plans for drivers with a DUI and people with bad credit.
High-Risk Car Insurance IL
Updated: May 20, 2025
Advertising & Editorial Disclosure
Key Takeaways
For high-risk drivers in Illinois, American Family, Travelers, and Auto-Owners offer the most affordable car insurance options for minimum and full coverage policies.
Annual car insurance premiums for high-risk drivers can range from a low of $480 to a high of $4,083.
To secure the best deal on high-risk car insurance, identify necessary coverage, research average costs and available discounts, and compare multiple providers to find the most suitable option.
Cheapest Car Insurance for High-Risk Drivers in IL
| Hanover | Young Drivers | $34 |
| Hanover | Senior Drivers | $27 |
| Hanover | Drivers With a Speeding Ticket | $27 |
| American Family | Drivers With an Accident | $40 |
| Mercury | Drivers With a DUI | $39 |
| Mercury | Drivers With Bad Credit | $38 |
| Hanover | Drivers With Bad Credit And Driving Violations | $38 |
*Rates shown are for minimum car insurance policies modifying a base profile of a 40-year-old driver with good credit and no driving violations.
Compare Cheap IL High-Risk Car Insurance Providers
While our above table gives an overview of the cheapest companies for high-risk insurance, it might not reflect every unique driver profile. Below, we've provided a table where you can compare rates of top providers for your specific needs.
Data filtered by:Results filtered by:
Select
Age Range:22-29
Select
Driving Record:Accident $1000-$1999 Prop Dmg
Select
Credit Score:Good
Select
Coverage Level:100/300/100 Full Cov. w/$1,000 Ded.
| American Family | $76 | $911 |
| Travelers | $114 | $1,363 |
| Auto-Owners Insurance Co | $141 | $1,695 |
| GEICO | $145 | $1,744 |
| Hanover | $148 | $1,779 |
How Much is High-Risk Car Insurance in IL?
Overall, high-risk car insurance costs in Illinois can range anywhere from $40 to $340 per month, depending on your unique combination of pricing factors. Below, you can compare average pricing for your profile by filtering the table.
Data filtered by:Results filtered by:
Select
Age Range:22-29
Select
Driving Record:Clean
Select
Credit:Good
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Coverage Level:State Minimum Liability Only
| $49 | $582 | $0 | $0 | 0% |
HOW LONG DO DRIVING VIOLATIONS AFFECT CAR INSURANCE RATES?
If you've had a traffic ticket or a more serious driving offense in Illinois, it can affect how much you pay for car insurance. Major violations like DUIs can have an impact for up to 10 years.
Smaller violations, like a speeding ticket, might only affect your rates for three to five years. Every insurance company is different, so it decides how long your rates will stay higher.
Illinois High-Risk Car Insurance: Buyer's Guide
Finding car insurance as a high-risk driver can be challenging, but our guide simplifies the process by explaining why insurers may label you high-risk and offering tips for locating affordable providers. If most insurers deny you, we provide practical steps to improve your chances of securing coverage.
What Is Considered a High-Risk Driver?
The following is a list of various types of drivers that are considered high-risk to auto insurance companies:
- Drivers with a history of traffic violations or at-fault accidents
- Drivers with a DUI conviction
- Drivers caught driving with a suspended or revoked license
- Young drivers with a lack of driving experience
- Senior drivers over 60
- Drivers who drive sports cars or participate in drag racing
- Drivers with bad credit or lapses in insurance coverage
Tips To Find the Best High-Risk Car Insurance in IL
Below, we've shared key tips to help you save money and find the best provider for high-risk car insurance in the Prairie State.
- 1
Decide What Coverage You Need
To avoid being influenced by popular opinion or insistent agents, it's wise to determine the car insurance you require before comparing providers. This preparation includes evaluating any extras like rideshare coverage and roadside assistance. Use our car insurance coverage calculator to find out how much auto insurance you need.
- 2
Research Average Costs and Discounts
Understanding average costs for your profile and exploring qualifying discounts can help you gauge the quality of deals as you compare providers. Consider enrolling in an approved defensive driving course within the state to potentially reduce your premiums by up to 10%.
- 3
Consider Non-Traditional Coverage Options
Exploring pay-per-mile and other usage-based car insurance programs could lead to savings for safe driving and low mileage. For instance, Geico offers a telematics program that monitors your driving and provides up to 30% savings on auto policies.
- 4
Compare Multiple Providers
After examining all options, compare offers from at least three different providers to get a sense of the market. Utilize various comparison methods, such as independent brokers and online tools, as rates for the same company can differ. Ensure that your comparisons are consistent to see how each insurer measures up.
What To Do if You Get Denied Coverage in Illinois
Car insurance companies can deny you coverage if they find you too risky. However, you can still secure a residual market plan through the Automobile Insurance Plan Service Office (AIPSO) if that happens.
Below, we've provided contact information if you want to start the process.
Office Hours
Monday–Friday, 8:00 a.m.–4:00 p.m. CT
ilaip@aipso.com
Phone
(888) 706-6100
Fax
(800) 827-6260
Mailing Address
PO Box 6530
Providence, RI 02940-6530
Car Insurance for High-Risk Drivers in IL: Bottom Line
Based on our research, the three cheapest companies for high-risk insurance in Illinois are American Family, Travelers, and Auto-Owners Insurance Co. While this is what we found, we recommend doing your own research to compare costs and find the best deal. Even if you are denied coverage, there are programs available to help you secure affordable insurance.
IL Car Insurance for High-Risk Drivers: FAQ
Below, we answer common questions about high-risk car insurance in Illinois.
What is the cheapest high-risk car insurance provider in Illinois?
The cheapest high-risk car insurance provider in Illinois is Hanover for various driver profiles. The lowest monthly premium for high-risk coverage in Illinois is $27 with Hanover for drivers with a speeding ticket.
What do I do if I get denied for coverage?
If denied coverage, contact AIPSO for options; they specialize in helping high-risk drivers secure necessary auto insurance.
How much more expensive is high-risk car insurance in Illinois?
High-risk car insurance in Illinois for adults aged 30 to 59 can cost up to 202% more than minimum coverage for those with clean records. For full coverage with a high deductible, it may be about 183% more expensive.
How We Chose The Cheapest High-Risk Car Insurance in Illinois
MoneyGeek calculated average rates using full coverage car insurance policies with 100/300/100 liability insurance and comprehensive and collision coverage with a $1,000 deductible.
Minimum coverage car insurance policy rates were calculated based on each state’s minimum car insurance requirement.
All high-risk profiles are modifications based on our base profile of the following:
- 40-year-old driver
- 12,000 annual mileage
- Clean driving record
- Good credit
High-risk profiles considered for are young drivers, seniors, and those with bad credit or records of an accident, speeding ticket, or DUI.
We also considered combinations of all of these factors to get a comprehensive view and maintain accuracy and personalization with our recommendations.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.