How a speeding ticket affects your insurance in Illinois

A speeding ticket may not seem so serious to some drivers, but in Illinois, speeding is a serious traffic violation that has serious consequences for your auto insurance policy. In 2018, speeding accounted for 33.7% of all crashes, 36.1% of fatal crashes and 38.2% of crash-related injuries in Illinois alone. Drivers caught driving even a mile over the absolute speed limit could receive a $120 finein addition to potentially increasing insurance costs.

For drivers who have received a speeding ticket in Illinois, it is important to understand how such a violation will affect your standing with car insurance companiesas well as steps that can be taken to improve the relevant rates in the future.

How much does a speeding ticket cost in Illinois?

Illinois takes speeding very seriously. the cost of speeding in illinois largely depends on the circumstances. However, the following table illustrates what drivers can expect to pay based on their speed above the posted limits:

Miles per hour over the legal limit Fine or penalty
1 to 20 mph $120
21 to 25 mph $140
26 to 34 mph class B misdemeanor; up to six months in jail and a maximum fine of $1,500
35 mph class A misdemeanor; up to one year in prison and a maximum fine of $2,500

The costs of speeding offenses also vary depending on where they occur. For example, a driver caught speeding in a school zone will receive a minimum fine of $150 for the first offense and $300 for each subsequent offense. Construction zone violations carry a minimum fine of $250 for first violations and $750 for each subsequent violation. In some cases, a driver can even have his license suspended if they are considered to be driving recklessly or doing street racing.

How much does a speeding ticket increase your auto insurance in Illinois?

It’s not uncommon for a driver’s insurance premium to see a sharp increase after receiving a speeding ticket in Illinois. In addition to speeding, insurers will consider gender and age to determine the exact premium increase that drivers with a speeding ticket in Illinois will receive upon renewal. police. Indeed, drivers of certain genders and age groups are perceived to be at higher risk than others.

According to Centers for Disease Control (CDC), male drivers aged 16 to 19 are nearly twice as likely to die in a road crash as female drivers in the same age group. For this reason, premiums for young male drivers caught speeding are generally higher than for male drivers aged 40 or older, and higher than for female drivers in general:

Average annual full coverage premium

Age Before speeding ticket After speeding ticket % increase
18 year old male $5,319 $6,326 18.9%
18 year old woman $4,354 $5,194 19.3%
40 year old man $1,584 $1,941 22.5%
40 year old woman $1,542 $1,889 22.5%

The good news is that even if drivers have a speeding ticket on their record, there are steps they can take to lower rates and regain a good reputation with an auto insurance company.

How to lower your auto insurance after speeding in Illinois

Although the financial impact of a speeding ticket in Illinois may initially be shocking, there are several ways drivers can reduce auto insurance rates after receiving a speeding ticket. By researching providers, taking advantage of available discounts, and considering coverage adjustments, drivers with a speeding ticket may be able to reduce the total cost of their premium to a more affordable level.

Get quotes from other car insurance companies

One of the best things drivers can do after receiving a speeding ticket is to start researching rates from other providers in the area. An existing carrier may not be the most affordable option. The chart below illustrates what the most popular carriers in Illinois typically charge their policyholders after receiving a speeding ticket:

Average annual full coverage premium per company

car insurance company Before speeding ticket After speeding ticket % increase
Erie $1,024 $1,314 28.3%
automatic safe $1,452 $2,924 101.4%
Mercury $990 $2,117 113.8%
Country Financial $1,648 $2,355 41.7%
progressive $1,299 $1,979 52.3%

*Premiums are average annual full coverage premiums for 40 year olds

In addition to the total cost of your auto insurance policy, there may be additional benefits to finding another provider. For example, another carrier may have better coverage options, available discounts, or more favorable customer service ratings than your current carrier. Be sure to weigh your options carefully before making a final decision.

Take advantage of available discounts

Just because you have a speeding ticket on your record doesn’t mean you aren’t eligible for discounts offered by your insurance company. Many insurers offer a wide range of discounts that are not based on your driving record, including:

  • Membership Discounts: If you belong to certain employers, groups or organizations, you may receive a discount through your supplier. For example, if you are in the military, GEICO offers up to 15% off select auto insurance coverage.
  • Driver Education Discount: To demonstrate to your insurance company that you are improving your driving behaviors, you may be able to take a qualifying driving course to receive a discount on your policy.
  • Good student discounts: High school and college age students who are able to maintain a good academic record may be eligible for auto insurance savings, depending on the provider you have.
  • Discounts on vehicle equipment: If your car is equipped with certain security systems, such as anti-theft alarms or anti-lock brakes, you may be able to save money on your insurance premiums.

There are many types of discounts available, so be sure to review all the discounts each provider has to offer to determine which carrier can save you the most.

Consider the limits of your auto insurance coverage

Each state has different levels of minimum auto insurance coverage requirements, and Illinois is no different. Illinois drivers are required to have at least the following minimum coverage:

  • $25,000 for the injury or death of a person in an accident caused by the policyholder
  • $50,000 for all injuries or death in an accident caused by the policyholder
  • $20,000 for property damage caused to others in an accident caused by the policyholder

Although you can benefit from lower premiums in the short term by having only minimum coverage, it can be much more costly in the long term, as an accident can quickly exceed minimum coverage limits or leave you on the hook for costly vehicle repairs.

Other Considerations for Speeding Tickets

Insurance premium increases are just the tip of the iceberg when it comes to speeding in Illinois. Speeding is considered a serious offense in the state and may even be classified as a misdemeanor depending on the circumstances. In addition to rate increases, fines and possible jail time, drivers can have their licenses suspended or revoked. They may also be required to attend a court hearing.

A speeding offense could also be turned into a “reckless driving” conviction depending on the circumstances surrounding the incident. If the driver kills another driver while speeding, he may face reckless homicide charges. It is a Class 3 felony and could result in two to five years in prison, as well as up to $25,000 in fines.

Frequently Asked Questions

What is the best auto insurance company for drivers with speeding tickets?

The best auto insurance company for drivers with speeding tickets largely depends on your age, gender, location, budget, coverage needs, and available discounts. In order to make the most informed decision, it is recommended that you conduct extensive research to compare rates, customer service reviews, coverage options, and discounts from each provider.

Can I be removed from my insurance policy after receiving a speeding ticket?

Depending on the number of speeding tickets and traffic violations on your driving record, your insurer may make the decision to deny coverage renewal or drop your policy altogether. When this happens, drivers may be forced to buy car insurance through the excess market or their state-run risk plan.

What should I do if I get a speeding ticket in Illinois?

The best thing to do after getting a speeding ticket in Illinois is to take one of the following options:

  • Plead guilty, pay the fine and receive a conviction.
  • Plead guilty, pay to attend road safety school and avoid a conviction.
  • Plead not guilty and request a court date to challenge the conviction or negotiate the fine in court.


Bankrate uses Quadrant Information Services to analyze 2021 rates for all zip codes and carriers in all 50 states and Washington, D.C. Rates shown are based on 18 and 40 year old male and female drivers with a clean record of driving, good credit and the following total coverage limits:

  • Civil liability of $100,000 in bodily injury per person
  • Civil liability of $300,000 in bodily injury per accident
  • Civil liability of $50,000 in property damage per accident
  • $100,000 uninsured motorist bodily injury per person
  • $300,000 uninsured motorist bodily injury per accident
  • $500 collision deductible
  • $500 aggregate deductible

To determine minimum coverage limits, Bankrate has used minimum coverages that meet each state’s requirements. Our basic profile drivers own a 2019 Toyota Camry, commute five days a week and drive 12,000 miles a year.

Incident: Rates were calculated by evaluating our baseline profile with the following incidents applied: clean record (baseline), at-fault accident, single speeding ticket, single impaired driving conviction, and coverage lapse.

These are sampling rates and should only be used for comparison purposes.

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