How a Speeding Ticket Impacts Insurance in Illinois

Drivers with a speeding ticket in the Prairie State can expect their premium to increase by 19 percent on average.

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Maya Afilalo holds over 10 years of professional experience in writing, communications, and research, which she leverages to provide accurate and reliable information to empower consumers. In addition to overseeing content production, Maya has herself written many articles on auto insurance costs, company comparisons, state laws and requirements, and other topics. She is committed to helping consumers navigate the complex world of car insurance with clarity and confidence. Maya holds a bachelor’s degree from the University of Pennsylvania and a master’s from North Carolina State University.

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Last updated: July 23, 2026

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Key Takeaways: How a Speeding Ticket Impacts Insurance in Illinois

A speeding ticket raises Illinois insurance premiums by 19% on average, adding over $400 per year.

Illinois premiums jump from $2,166 to $2,576 on average after a speeding ticket.
State Farm has the smallest increase (7%), while Allstate’s rises 61%.
Speeding tickets add 5-50 points and stay on record for 4-5 years.
Raising deductibles, comparing quotes, and clean driving help lower post-ticket rates.

In 2025, over 1,072 people were killed in car accidents in Illinois, a sizable portion of which was linked to speeding.¹ A speeding ticket in the Prairie State may result in a fine and even jail time, depending on the severity of the offense. You can also expect your insurance premium to increase as a result.

How a Speeding Ticket Impacts Your Insurance in Illinois

In Illinois, a speeding ticket increases annual premiums by an average of 19 percent, the equivalent of over $400 per year. State Farm’s rates increase the least, on average — only by 7 percent — and it also offers cheap rates for drivers with a speeding ticket in the state, along with Travelers and Country Financial.

Company	Average with clean record	Average with speeding ticket	Increase
Travelers	$1,553	$1,702	10%
Country Financial	$1,236	$1,938	57%
State Farm	$1,828	$1,956	7%
USAA	$1,811	$2,048	13%
Erie	$1,699	$2,050	21%
Progressive	$2,013	$2,426	21%
GEICO	$2,129	$2,436	14%
Allstate	$2,758	$4,440	61%
Illinois average	$2,166	$2,576	19%

How to Lower Your Premium After a Speeding Ticket

While a speeding ticket can raise your insurance rates and cause insurers to view you as a high-risk driver, you can minimize the impact by:

Adjusting Your Coverage

Here are a few ways to lower your rates by tweaking your coverage:

Reevaluate optional coverages. We generally don’t recommend reducing coverage, but it can be a smart move in some situations. For instance, if you drive an older vehicle, it may not be cost-effective to insure it with coverages like collision and comprehensive.
Raise your deductibles. Opting for higher deductibles for comprehensive and collision coverages can lower your rate. However, you’ll pay more out of pocket if you file a claim.
Inquire about discounts. Most insurers offer saving opportunities for bundling policies, signing up for e-statements, or enrolling in a telematics program.

Keeping a Clean Record

Avoiding additional violations will help keep your rate as low as possible. It will also ensure the points are removed from your license as soon as possible. If you’ve requested “court supervision” in court, which involves paying a fine and undergoing a monitoring period (more later on this page), keeping a clean record will allow you to keep the conviction off your record.

Shop For New Quotes

Get at least three quotes from different insurers and compare them. Different insurers have different ways of weighing driving violations, and you may find an insurer who will offer a relatively competitive rate despite the speeding ticket.

Enroll in the Mature Driver Program

If you’re 55 or older, you can complete Illinois’s Mature Driver Program (a state-approved defensive driving course) to earn up to 10 percent off your insurance premium. Insurance companies often have a comparable discount for younger drivers as well. Check with your insurer to see if one is available to you.

Illinois Speeding Ticket Fines

Illinois categorizes speeding violations according to several tiers, with each incurring a different fine. ²More severe violations are considered Class A or Class B misdemeanors. Drivers required to pay a fine for traffic violations will also be charged a surcharge.

Violation	Fine (bail)	Other penalties
1 to 25 mph over speed limit	$164	None
26 to 34 mph over speed limit (Class B misdemeanor)	10% of $2,500 ($250) or your Illinois driver’s license in lieu of bail	Mandatory court appearance
35 mph over speed limit (Class A misdemeanor)	10% of $2,500 ($250) or your Illinois driver’s license in lieu of bail	Mandatory court appearance
Speeding in construction zone³	First offense: $375+ Second or later offense: $1,000+	90-day suspension if the second offense occurs within two years of the first
Speeding in school zone	First offense: $150+ Second or later offense: $300+	Mandatory court appearance

NOTE:

Class A and B misdemeanors are considered arrestable offenses in Illinois and are added to your driving record, which can affect both insurance rates and employment.

Other Consequences of a Speeding Ticket in Illinois

Like many states, Illinois uses a point system to track infractions on your driving record. In addition to being fined or possibly jailed, you may have your license suspended if you accrue a certain number of points on your license.

Points for speeding infractions are as follows:

MPH over the speed limit	Points
1 to 10	5
11 to 14	15
15 to 25	20
26 and over	50

Some states suspend drivers for accruing a certain number of points, but Illinois issues suspensions based on how often you’ve been convicted:⁴

Drivers under 21: License suspension for two moving violation convictions within a 24-month timeframe
Drivers 21 and over: License suspension for three moving violation convictions within a given rolling 12-month timeframe

FYI:

Speeding, like other moving violations, stay on your Illinois driver’s record for 4-5 years from the conviction date. However, if your license is suspended or revoked, the information will stay on your record for a minimum of 7 years after you get your license reinstated.

What to Do After a Speeding Ticket in Illinois

Here’s how to limit the impact on your driving record and insurance rates after you’ve gotten a speeding ticket:

Review the Ticket

Ensure your personal info, the violation, and court or payment deadlines are correct. Be mindful of the deadlines, as missing them can result in far more severe consequences.

Decide to Pay or Contest

Paying the ticket is treated as an admission of guilt and may result in points added to your record. If you think the ticket is a mistake or want to try reducing the points, you can contest it in court. Knowing how many points you’ve accrued with your speeding violation will help you understand any potential consequences.

Check the Impact on Your Premium

A speeding conviction may increase your premium. Check the ticket’s impact with your insurer, which may help you decide whether to shop around for better rates prior to renewal.

As previously stated, you’ll face a petty offense for speeding up to 25 mph over the speed limit, and criminal misdemeanors for speeding 26 mph and up past the limit. The impact on your driving record and insurance will ultimately be more severe for the latter.

Recap

A speeding ticket in Illinois will often result in higher premiums, to the tune of 19 percent on average. The ultimate impact depends on the violation’s severity (petty offense vs. criminal misdemeanor), as well as your driving history and insurer. Driving safely, keeping a clean record, and shopping for quotes from other providers can help you keep rates lower in the event you are facing a post-ticket premium hike.

Frequently Asked Questions

How long do speeding tickets stay on your record in Illinois?

Speeding tickets, like other moving violations, stay on your record for 4-5 years. If your license is suspended or revoked as a result of the ticket, it will instead stay on record for 7 years minimum. Insurers will often review your driving record for the past 3-5 years when tabulating your premium, even if the points you’ve accrued disappear sooner than that.

How do you get a speeding ticket dismissed in Illinois?

Generally, you can request a court hearing, in which case you are pleading not guilty to the citation. Your ticket will be dismissed only if the officer who cited you doesn’t show up, there is insufficient evidence against you, or you are successful in defending your case.

If this is your first speeding offense, you can ask for “court supervision” during your hearing. This means you pay a fine, complete traffic school, and stay violation-free during the supervision period in exchange for keeping the ticket off your record.

Is it worth fighting a speeding ticket in Illinois?

It depends on the severity of your citation. It may not make sense to fight the ticket if you’ve only been cited with a petty offense (speeding 1-25 mph over the limit), as the cost of hiring a lawyer may outweigh the actual fine. Conversely, you may want to fight the ticket if you’ve been charged with a misdemeanor (speeding 26 mph and up) to avoid jail time or a criminal record.

Is 25 mph over the speed limit a felony in Illinois?

Driving 25 mph over the speed limit is not a felony; rather, it’s considered a petty offense. If you exceed that, you’ll be charged with a criminal misdemeanor, not a felony.