Hanover offers affordable options for young drivers, senior drivers and drivers with speeding tickets. American Family works best for drivers with at-fault accidents. Mercury provides budget-friendly plans for drivers with a DUI or bad credit.
High-Risk Car Insurance IL
Updated: January 30, 2026
Advertising & Editorial Disclosure
Key Takeaways
For high-risk drivers, American Family, Travelers and Auto-Owners offer the most affordable car insurance in Illinois for minimum and full coverage policies.
Annual car insurance premiums for high-risk drivers range from $480 to $4,083.
Get affordable high-risk car insurance by identifying necessary coverage, researching average costs and available discounts and comparing multiple insurers.
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 are for minimum car insurance policies modifying a base profile of a 40-year-old driver with good credit and no driving violations.
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Compare Cheap IL High-Risk Car Insurance Providers
The table above shows the cheapest companies for high-risk insurance based on single risk factors. Compare rates below for your driver profile and coverage level.
Data filtered by:
22-29
Accident $1000-$1999 Prop Dmg
Good
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?
High-risk car insurance costs in Illinois range from $40 to $340 per month based on pricing factors. Compare average pricing for your profile by filtering the table.
Data filtered by:
22-29
Clean
Good
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
High-risk drivers pay more for car insurance, but affordable coverage exists. Learn why insurers classify you as high-risk, where to find coverage and what to do if companies deny your application.
What Is Considered a High-Risk Driver?
Insurance companies classify these drivers as high-risk:
- Traffic violations or at-fault accidents on your record
- DUI conviction
- Suspended or revoked license
- Young drivers without experience
- Senior drivers over 60
- Sports car owners or drag racing participants
- Bad credit or coverage gaps
Tips to Find the Best High-Risk Car Insurance in IL
These strategies help high-risk drivers save money in Illinois.
- 1Decide What Coverage You Need
Determine your coverage before comparing providers to avoid pressure from agents. Evaluate extras like rideshare coverage and roadside assistance. Use our car insurance coverage calculator to find out how much auto insurance you need.
- 2Research Average Costs and Discounts
Learn typical costs for your profile and what discounts you qualify for before shopping. Illinois allows defensive driving courses to cut premiums by up to 10%.
- 3Consider Nontraditional Coverage Options
Pay-per-mile and usage-based programs reward safe driving and low mileage. GEICO's telematics program monitors your driving and saves you up to 30% on premiums.
- 4Compare Multiple Providers
Get quotes from at least three providers. Use independent brokers and online tools since rates vary. Keep comparisons consistent to evaluate each insurer fairly.
What to Do if You Get Denied Coverage in Illinois
Insurance companies deny coverage to drivers they consider too risky. Illinois requires insurers to offer residual market plans through the Automobile Insurance Plan Service Office (AIPSO) when companies reject your application.
Contact AIPSO to apply:
Office Hours
Monday–Friday, 8:00 a.m.–4:00 p.m. CT
Email
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
The three cheapest companies for high-risk insurance in Illinois are American Family, Travelers and Auto-Owners. Compare quotes from multiple insurers since rates vary by driver profile and coverage needs. Illinois offers residual market programs when companies deny your application.
IL Car Insurance for High-Risk Drivers: FAQ
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 across multiple driver categories. The lowest monthly premium is $27 for drivers with a speeding ticket.
What do I do if I get denied for coverage?
If denied coverage, contact AIPSO to apply for residual market insurance. AIPSO helps high-risk drivers get required 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 costs up to 202% more than minimum coverage for drivers with clean records. Full coverage with a high deductible costs about 183% more.
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 rates reflect each state's minimum car insurance requirement.
Our base profile includes:
- 40-year-old driver
- 12,000 annual mileage
- Clean driving record
- Good credit
High-risk profiles include young drivers, seniors and drivers with bad credit, at-fault accident records, speeding tickets or DUI convictions. We considered combinations of these factors for accurate recommendations.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in 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!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.