Speeding tickets are pricey, but the insurance increases that drivers face right after getting a ticket often have an even greater impact on their pocketbooks than the ticket itself. In Illinois, driving 15 miles per hour more than the speed limit will outcome in a $ 120 fine. Following receiving a speeding ticket, the average Illinois driver will face a $ 124.80 enhance in his annual car insurance coverage rate. Insurance coverage hikes last for 5 years in Illinois, so drivers can count on to pay $ 624 more for insurance if they’ve been caught speeding. The true expense of a speeding ticket in Illinois is 6.2 times the cost of the actual ticket—drivers pay an average of $ 744 in total for a $ 120 speeding ticket.
- Most expensive cities to get a speeding ticket in Illinois
- Least pricey cities to get a speeding ticket in Illinois
- Complete list
Not all drivers in Illinois, nevertheless, knowledge the identical insurance increases. For example, a driver in Harvey will pay $ 171.57 a lot more per year for car insurance coverage right after acquiring a ticket, whereas a driver in Evanston will only pay $ 91.48 a lot more per year. Generally, the percentage increase in auto insurance coverage prices is constant in Illinois—about 12%. The disparity in dollar quantity increases can be best explained by the variability in vehicle insurance prices from location to place.
Key findings
- The typical automobile insurance coverage enhance for Illinois drivers right after a 15 miles per hour over the limit speeding ticket is $ 124.80 per year. Insurance coverage increases frequently last for 5 years in Illinois, which indicates a $ 120 ticket actually fees $ 744.
- In Illinois, the typical driver will face a 12.34% annual insurance premium increase following receiving a speeding ticket.
- Nine out of the 10 cities that see the largest insurance coverage increases soon after speeding tickets are in Cook County. Chicagoans, even so, do not crack the top 10 they have the 15th largest insurance increases after acquiring a speeding ticket.
What need to you do if you obtain a speeding ticket in Illinois?
Illinois drivers with clean records normally have 3 alternatives after getting a minor speeding ticket:
- Plead guilty, spend the fine and get a conviction.
- Plead guilty, spend the fine and attend targeted traffic security school to avoid getting a conviction.
- Plead not guilty and request a court date.
If you are eligible to attend a visitors security course: It is typically far more financially accountable to take the course and keep away from a conviction. For instance, drivers in Cook County only have to spend $ 27 on top of their ticket to enroll in visitors security school. Although you will spend slightly a lot more, your insurance coverage rates will remain the very same.
If you get a conviction: Now is a good time to gather new quotes from a couple of auto insurers. Some carriers will overlook visitors violations, but drivers won’t know if their carrier is one of them unless they do their investigation.
Illinois cities exactly where it is most high-priced to get a speeding ticket
1. Harvey
Accurate expense of a speeding ticket: $ 977.85
Chicagoland drivers see the greatest insurance increases after receiving a speeding ticket, particularly these in the south suburbs. Compared to other Illinois drivers, the typical Harvey driver pays the most for vehicle insurance, $ 1,340.81 per year. As a outcome, they have the highest per year boost of any Illinois city, $ 171.57, even although the percentage increase is on par with the state average.
The typical Harvey household earned $ 28,123, a lot much less than the state average of $ 56,853. Education levels frequently impact an area’s vehicle insurance rates. Only 10.5% of Harvey residents have a bachelor’s degree or greater, compared to 31.1% of Illinois residents. According to the U.S. Bureau of Labor Statistics, Harvey also has a 12.5% unemployment rate—higher than the state average of 7.9%.
2. Cicero
Accurate price of a speeding ticket: $ 939.05
Soon after acquiring a speeding ticket, Cicero drivers spend an average of $ 163.81 per year a lot more every year for auto insurance coverage. Given that speeding tickets typically influence auto insurance coverage premiums for 5 years, Illinois drivers who obtain speeding tickets pay an additional $ 819.05.
Drivers in congested cities typically have larger auto insurance coverage premiums. With a lot more vehicles and obstacles on the road, drivers face a larger likelihood of obtaining in an accident. Cicero has a larger population density than Chicago, with 14,303.7 folks per square mile.
3. Park Ridge
True cost of a speeding ticket: $ 930.65
Park Ridge is a single of 2 northern suburbs to make the list of cities with the largest insurance coverage increases following a speeding ticket. The average Park Ridge driver pays $ 1,147 per year for car insurance, but following getting a speeding ticket, that quantity jumps to $ 1,309.13. Considering that hikes generally last for 5 years, Park Ridge residents can anticipate to pay $ 810.65 far more for insurance as a outcome of a minor speeding ticket.
4. Berwyn
True expense of a speeding ticket $ 930.00
Berwyn drivers, like neighboring Cicero drivers, have higher auto insurance coverage rates. A common Berwyn driver pays $ 1,211.88 per year for car insurance. Nonetheless, following receiving a speeding ticket, the average driver should spend $ 162.00 more per year for vehicle insurance for 5 years. As a outcome of a single speeding ticket, the typical Berwyn driver pays $ 810 more for automobile insurance.
A municipality’s density is a huge factor when determining auto insurance prices. Berwyn has 14,508.8 individuals per square mile, which is the highest population density of any township in Illinois—even much more than Chicago.
5. Calumet City
Correct cost of a speeding ticket in Calumet: $ 928.45
Calumet City drivers see the fifth highest insurance coverage increases right after they obtain speeding tickets. On average, Calumet City drivers pay $ 1,275.44 per year for automobile insurance coverage, but after receiving a speeding ticket, they can count on to spend $ 1,437.13 each year. The typical auto insurance enhance is $ 161.69 per year in Calumet City, which outcomes in a 5-year total of $ 808.45 added in car insurance coverage costs.
6. Oak Lawn
True price of a speeding ticket in Oak Lawn: $ 924.40
Oak Lawn drivers are virtually tied with Calumet drivers when it comes to the dollar improve in insurance premiums. Following getting a speeding ticket, Oak Lawn drivers spend $ 160.88 more per year on typical for insurance. Since premium increases normally final for 5 years, this final results in a grand total of $ 804.40 in insurance increases.
7. Chicago Heights
Accurate cost of a speeding ticket: $ 887.50
Drivers in Chicago Heights, one of Chicagoland’s south suburbs, face the 6th largest auto insurance premium increases after they acquire a speeding ticket. When convicted of a speeding ticket, the average Chicago Heights driver will see his car insurance premium improve by $ 153.50 per year for 5 years. Drivers will as a result spend $ 767.50 more for insurance as a outcome of a single speeding ticket.
8. Northbrook
Correct cost of a speeding ticket: $ 883.15
Northbrook is the northernmost suburb to make the list. On average, its residents pay $ 1,034.50 per year for auto insurance coverage. After a speeding ticket, Northbrook drivers pay $ 152.63 far more per year. In total, they will pay $ 763.15 in insurance coverage increases following a speeding ticket.
9. Dekalb
Accurate expense of a speeding ticket: $ 878.75
Dekalb, a city in Dekalb County, is the only city to make the list that is not in Cook County. The typical Dekalb driver pays $ 891.63 per year for auto insurance, but following receiving a speeding ticket, Dekalb drivers will spend $ 151.75 far more per year for insurance. Aspect in a 5-year insurance boost, and a Dekalb driver will spend $ 758.75 in improved insurance coverage premiums for a single ticket.
10. Oak Park
True price of a speeding ticket: $ 866.45
Oak Park is typically admired for its mixture of suburban charm and its easy access to large city amenities. It borders Chicago and has connecting “L” lines. Oak Park drivers, nevertheless, spend slightly far more for insurance coverage than their massive city neighbors soon after receiving a speeding ticket. After receiving a speeding ticket, Oak Park motorists will spend $ 149.29 more per year for vehicle insurance. Accounting for 5 years of insurance coverage increases, a single speeding ticket will price the typical Oak Park driver $ 746.45.
Most pricey cities to get a speeding ticket in Illinois
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Least expensive cities to get a speeding ticket in Illinois
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The full list
| Ranking | City | Accurate Expense | Annual Auto Insurance Premium | Annual Premium Following a Speeding Ticket | Percentage Increase | Dollar Enhance | 5-Year Insurance coverage Enhance |
|---|---|---|---|---|---|---|---|
| 1 | Harvey | $ 977.85 | $ 1,340.81 | $ 1,512.38 | 12.80% | $ 171.57 | $ 857.85 |
| 2 | Cicero | $ 939.05 | $ 1,282.25 | $ 1,446.06 | 12.78% | $ 163.81 | $ 819.05 |
| 3 | Park Ridge | $ 930.65 | $ 1,147.00 | $ 1,309.13 | 14.14% | $ 162.13 | $ 810.65 |
| 4 | Berwyn | $ 930.00 | $ 1,211.88 | $ 1,373.88 | 13.37% | $ 162.00 | $ 810.00 |
| 5 | Calumet City | $ 928.45 | $ 1,275.44 | $ 1,437.13 | 12.68% | $ 161.69 | $ 808.45 |
| 6 | Oak Lawn | $ 924.40 | $ 1,169.31 | $ 1,330.19 | 13.76% | $ 160.88 | $ 804.40 |
| 7 | Chicago Heights | $ 887.50 | $ 1,171.25 | $ 1,324.75 | 13.11% | $ 153.50 | $ 767.50 |
| 8 | Northbrook | $ 883.15 | $ 1,034.50 | $ 1,187.13 | 14.75% | $ 152.63 | $ 763.15 |
| 9 | Dekalb | $ 878.75 | $ 891.63 | $ 1,043.38 | 17.02% | $ 151.75 | $ 758.75 |
| 10 | Oak Park | $ 866.45 | $ 1,145.52 | $ 1,294.81 | 13.03% | $ 149.29 | $ 746.45 |
| 11 | Melrose Park | $ 864.65 | $ 1,146.38 | $ 1,295.31 | 12.99% | $ 148.93 | $ 744.65 |
| 12 | Addison | $ 864.05 | $ 990.19 | $ 1,139.00 | 15.03% | $ 148.81 | $ 744.05 |
| 13 | Burbank | $ 861.55 | $ 1,115.00 | $ 1,263.31 | 13.30% | $ 148.31 | $ 741.55 |
| 14 | Lansing | $ 861.25 | $ 1,133.38 | $ 1,281.63 | 13.08% | $ 148.25 | $ 741.25 |
| 15 | Chicago | $ 846.55 | $ 1,236.52 | $ 1,381.83 | 11.75% | $ 145.31 | $ 726.55 |
| 16 | Oak Forest | $ 844.40 | $ 1,146.56 | $ 1,291.44 | 12.64% | $ 144.88 | $ 724.40 |
| 17 | Granite City | $ 836.55 | $ 1,070.25 | $ 1,213.56 | 13.39% | $ 143.31 | $ 716.55 |
| 18 | Hoffman Estates | $ 826.10 | $ 1,031.69 | $ 1,172.91 | 13.69% | $ 141.22 | $ 706.10 |
| 19 | Orland Park | $ 816.75 | $ 1,075.09 | $ 1,214.44 | 12.96% | $ 139.35 | $ 696.75 |
| 20 | East Saint Louis | $ 814.35 | $ 1,247.14 | $ 1,386.01 | 11.14% | $ 138.87 | $ 694.35 |
| 21 | Belvidere | $ 807.20 | $ 978.50 | $ 1,115.94 | 14.05% | $ 137.44 | $ 687.20 |
| 22 | Tinley Park | $ 800.00 | $ 1,050.97 | $ 1,186.97 | 12.94% | $ 136.00 | $ 680.00 |
| 23 | Belleville | $ 790.25 | $ 1,027.33 | $ 1,161.38 | 13.05% | $ 134.05 | $ 670.25 |
| 24 | Alton | $ 783.40 | $ 1,005.38 | $ 1,138.06 | 13.20% | $ 132.68 | $ 663.40 |
| 25 | Glenview | $ 779.25 | $ 1,055.34 | $ 1,187.19 | 12.49% | $ 131.85 | $ 659.25 |
| 26 | Buffalo Grove | $ 778.15 | $ 1,039.56 | $ 1,171.19 | 12.66% | $ 131.63 | $ 658.15 |
| 27 | Wilmette | $ 777.15 | $ 1,008.63 | $ 1,140.06 | 13.03% | $ 131.43 | $ 657.15 |
| 28 | Des Plaines | $ 773.00 | $ 1,002.06 | $ 1,132.66 | 13.03% | $ 130.60 | $ 653.00 |
| 29 | Decatur | $ 771.60 | $ 983.06 | $ 1,113.38 | 13.26% | $ 130.32 | $ 651.60 |
| 30 | Schaumburg | $ 769.65 | $ 997.70 | $ 1,127.63 | 13.02% | $ 129.93 | $ 649.65 |
| 31 | Collinsville | $ 757.20 | $ 973.25 | $ 1,25.69 | 13.09% | $ 127.44 | $ 637.20 |
| 32 | Peoria | $ 756.00 | $ 984.53 | $ 1,111.73 | 12.92% | $ 127.20 | $ 636.00 |
| 33 | Arlington Heights | $ 755.20 | $ 958.84 | $ 1,085.88 | 13.25% | $ 127.04 | $ 635.20 |
| 34 | Streamwood | $ 751.90 | $ 974.25 | $ 1,100.63 | 12.97% | $ 126.38 | $ 631.90 |
| 35 | Woodridge | $ 751.25 | $ 978.69 | $ 1,104.94 | 12.90% | $ 126.25 | $ 631.25 |
| 36 | Glendale Heights | $ 747.20 | $ 952.19 | $ 1,077.63 | 13.17% | $ 125.44 | $ 627.20 |
| 37 | Mchenry | $ 746.70 | $ 951.94 | $ 1,077.28 | 13.17% | $ 125.34 | $ 626.70 |
| 38 | Hanover Park | $ 745.30 | $ 1,019.38 | $ 1,144.44 | 12.27% | $ 125.06 | $ 625.30 |
| 39 | Elmhurst | $ 742.50 | $ 970.00 | $ 1,094.50 | 12.84% | $ 124.50 | $ 622.50 |
| 40 | North Chicago | $ 740.60 | $ 968.38 | $ 1,092.50 | 12.82% | $ 124.12 | $ 620.60 |
| 41 | Lombard | $ 739.05 | $ 951.25 | $ 1,075.06 | 13.02% | $ 123.81 | $ 619.05 |
| 42 | Gurnee | $ 734.70 | $ 933.94 | $ 1,056.88 | 13.16% | $ 122.94 | $ 614.70 |
| 43 | Carbondale | $ 731.25 | $ 1,019.44 | $ 1,141.69 | 11.99% | $ 122.25 | $ 611.25 |
| 44 | O Fallon | $ 730.90 | $ 932.13 | $ 1,054.31 | 13.11% | $ 122.18 | $ 610.90 |
| 45 | Mount Prospect | $ 730.65 | $ 999.81 | $ 1,121.94 | 12.22% | $ 122.13 | $ 610.65 |
| 46 | Oswego | $ 730.60 | $ 913.63 | $ 1,035.75 | 13.37% | $ 122.12 | $ 610.60 |
| 47 | Springfield | $ 729.20 | $ 964.30 | $ 1,086.14 | 12.64% | $ 121.84 | $ 609.20 |
| 48 | Waukegan | $ 724.20 | $ 978.75 | $ 1,099.59 | 12.35% | $ 120.84 | $ 604.20 |
| 49 | Wheeling | $ 723.45 | $ 1,054.44 | $ 1,175.13 | 11.45% | $ 120.69 | $ 603.45 |
| 50 | Palatine | $ 723.10 | $ 980.41 | $ 1,101.03 | 12.30% | $ 120.62 | $ 603.10 |
| 51 | Moline | $ 723.10 | $ 937.94 | $ 1,058.56 | 12.86% | $ 120.62 | $ 603.10 |
| 52 | Wheaton | $ 720.30 | $ 930.16 | $ 1,050.22 | 12.91% | $ 120.06 | $ 600.30 |
| 53 | Glen Ellyn | $ 717.50 | $ 976.06 | $ 1,095.56 | 12.24% | $ 119.50 | $ 597.50 |
| 54 | Naperville | $ 707.25 | $ 917.52 | $ 1,034.97 | 12.80% | $ 117.45 | $ 587.25 |
| 55 | Batavia | $ 704.10 | $ 906.06 | $ 1,022.88 | 12.89% | $ 116.82 | $ 584.10 |
| 56 | Champaign | $ 699.80 | $ 927.98 | $ 1,043.94 | 12.50% | $ 115.96 | $ 579.80 |
| 57 | West Chicago | $ 699.40 | $ 954.56 | $ 1,070.44 | 12.14% | $ 115.88 | $ 579.40 |
| 58 | Crystal Lake | $ 699.10 | $ 949.81 | $ 1,065.63 | 12.19% | $ 115.82 | $ 579.10 |
| 59 | Downers Grove | $ 695.95 | $ 979.97 | $ 1,095.16 | 11.75% | $ 115.19 | $ 575.95 |
| 60 | Kankakee | $ 695.60 | $ 976.94 | $ 1,092.06 | 11.78% | $ 115.12 | $ 575.60 |
| 61 | Joliet | $ 691.65 | $ 1,015.20 | $ 1,129.53 | 11.26% | $ 114.33 | $ 571.65 |
| 62 | Niles | $ 691.25 | $ 1,092.81 | $ 1,207.06 | 10.45% | $ 114.25 | $ 571.25 |
| 63 | Saint Charles | $ 690.45 | $ 921.69 | $ 1,035.78 | 12.38% | $ 114.09 | $ 570.45 |
| 64 | Urbana | $ 689.50 | $ 930.16 | $ 1,044.06 | 12.25% | $ 113.90 | $ 569.50 |
| 65 | Pekin | $ 689.35 | $ 880.88 | $ 994.75 | 12.93% | $ 113.87 | $ 569.35 |
| 66 | Elk Grove Village | $ 689.05 | $ 979.13 | $ 1,092.94 | 11.62% | $ 113.81 | $ 569.05 |
| 67 | Rock Island | $ 680.00 | $ 944.00 | $ 1,056.00 | 11.86% | $ 112.00 | $ 560.00 |
| 68 | Freeport | $ 678.75 | $ 896.50 | $ 1,008.25 | 12.47% | $ 111.75 | $ 558.75 |
| 69 | Galesburg | $ 677.20 | $ 865.69 | $ 977.13 | 12.87% | $ 111.44 | $ 557.20 |
| 70 | Bartlett | $ 668.40 | $ 991.63 | $ 1,101.31 | 11.06% | $ 109.68 | $ 548.40 |
| 71 | Skokie | $ 665.00 | $ 1,144.09 | $ 1,253.09 | 9.53% | $ 109.00 | $ 545.00 |
| 72 | Romeoville | $ 663.10 | $ 1,022.63 | $ 1,131.25 | 8.62% | $ 108.62 | $ 543.10 |
| 73 | Plainfield | $ 656.55 | $ 1,004.46 | $ 1,111.77 | 10.68% | $ 107.31 | $ 536.55 |
| 74 | Bloomington | $ 656.15 | $ 845.04 | $ 952.27 | 12.69% | $ 107.23 | $ 536.15 |
| 75 | Elgin | $ 654.15 | $ 972.13 | $ 1,078.96 | 8.99% | $ 106.83 | $ 534.15 |
| 76 | Normal | $ 648.15 | $ 846.75 | $ 952.38 | 12.47% | $ 105.63 | $ 528.15 |
| 77 | Carol Stream | $ 646.25 | $ 974.88 | $ 1,080.13 | 10.80% | $ 105.25 | $ 526.25 |
| 78 | Rockford | $ 645.70 | $ 1,024.47 | $ 1,129.61 | 8.26% | $ 105.14 | $ 525.70 |
| 79 | Algonquin | $ 645.35 | $ 982.81 | $ 1,087.88 | 8.69% | $ 105.07 | $ 525.35 |
| 80 | Aurora | $ 643.10 | $ 951.63 | $ 1,056.25 | 8.99% | $ 104.62 | $ 523.10 |
| 81 | Quincy | $ 628.75 | $ 796.31 | $ 898.06 | 12.78% | $ 101.75 | $ 508.75 |
| 82 | Highland Park | $ 619.70 | $ 1,050.75 | $ 1,150.69 | 9.51% | $ 99.94 | $ 499.70 |
| 83 | Mundelein | $ 616.25 | $ 959.44 | $ 1,058.69 | 10.34% | $ 99.25 | $ 496.25 |
| 84 | Bolingbrook | $ 614.35 | $ 1,066.69 | $ 1,165.56 | 9.27% | $ 98.87 | $ 494.35 |
| 85 | Danville | $ 598.75 | $ 951.38 | $ 1,047.13 | 8.06% | $ 95.75 | $ 478.75 |
| 86 | Carpentersville | $ 595.65 | $ 962.56 | $ 1,057.69 | 9.88% | $ 95.13 | $ 475.65 |
| 87 | Vernon Hills | $ 588.75 | $ 984.56 | $ 1,078.31 | 9.52% | $ 93.75 | $ 468.75 |
| 88 | Evanston | $ 577.40 | $ 1,054.77 | $ 1,146.25 | 8.67% | $ 91.48 | $ 457.40 |
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