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Last updated: May 9, 2023

How a Speeding Ticket Impacts Your Insurance in Illinois

Expect to pay between 10 and 114 percent more for car insurance if you get caught speeding.

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You spend 20 minutes watching the back of a school bus and are now running late for work. Do you accept the reprimand you’ll get from your boss, who will no doubt notice you walking in 15 minutes after 9 a.m.? Or do you speed, breaking traffic laws and risking penalties and higher insurance costs?

Given that speeding is dangerous and can result in fines of up to $2,500, up to one year of imprisonment and an average increase in car insurance premiums of 35 percent, we recommend the former. Let’s see just how much a speeding ticket can impact your car insurance and beyond in the Land of Lincoln.

How a Speeding Ticket Impacts Your Insurance in Illinois

You probably already know that car insurance is more expensive after accidents, but what happens when you get a run-of-the-mill speeding ticket?

Increased Premiums

On average, in Illinois, a speeding ticket can increase the cost of car insurance by 35 percent, but there’s a pretty wide range of upcharges depending on your insurance company.

Company Cost before speeding ticket Cost after speeding ticket Average increase after a speeding ticket
Average cost of annual car insurance $1,347 $1,817 35%
Pekin $684 $859 26%
Safeco $703 $902 28%
Erie $977 $1,105 13%
USAA $1,086 $1,308 20%
State Farm $1,195 $1,322 11%
GEICO $1,094 $1,374 26%
American Family $1,334 $1,584 19%
Farm Bureau $1,608 $1,776 10%
Travelers $1,394 $1,825 31%
Country Financial $1,390 $1,868 34%
Progressive $1,542 $2,023 31%
Mercury $990 $2,117 114%
Farmers $1,674 $2,248 34%
Nationwide $1,972 $2,496 27%
Auto-Owners $1,710 $2,518 47%
Allstate $2,089 $2,648 27%
Safe Auto $1,452 $2,924 101%


In 2021, 34 percent of all traffic fatalities in Illinois involved speeding. That’s higher than the average across the United States (28 percent), meaning speeding is very common in Illinois compared to the country at large.1

Multiple Tickets

Getting multiple speeding tickets will result in higher and higher premiums as car insurance companies adjust their costs to reflect your high-risk driving.

Number of speeding tickets Car insurance rate increase
1 20%
2 67%
3 111%

Driving Record

In Illinois, speeding tickets will stay on your driving record for around five years.

How Long It Affects Insurance

As long as it’s on their driving record, drivers with speeding tickets will pay more for car insurance as they would with any violations on their driving record.

How to Lower Premiums After a Speeding Ticket

While you won’t be able to get rates as low as they were before your speeding violations, you can lower your car insurance costs in five ways:

  1. Work with cheaper companies: Insurers like Pekin, Safeco, Erie, USAA and State Farm have the lowest post-speeding-ticket rates. Get a quote in your ZIP code to see how much these providers will charge you after getting a speeding ticket.
  2. Get minimum coverage: Technically, the state of Illinois requires only liability insurance as follows.
    • Bodily injury coverage per person: $25,000
    • Bodily injury coverage per accident: $50,000
    • Property damage per accident: $20,0002

    By getting the lowest amount of insurance legally allowed, you’ll have the lowest premiums.

  3. Lower your limits: If you don’t want minimum coverage but still want to save money, lowering your limits will do the trick.
  4. Raise your deductible: As long as you can afford to pay it if need be, raising your deductible on comprehensive and collision coverage will lower your premiums.
  5. Get discounts: Finally, if all else fails, ask your insurance agent what discounts you’re eligible for. For example, you may be able to save money thanks to some features built into your car, such as airbags, antitheft devices and passive restraints. There are also good driver discounts, as well as discounts for taking a defensive driving course.

While a speeding ticket will certainly affect your insurance rate, there are still ways to get your costs as low as possible.

Cost of a Speeding Ticket in Illinois

Aside from the inflated car insurance premiums you’ll pay due to a speeding ticket, the state of Illinois will charge you fines for petty infractions. You may also have to deal with points, bail and possible imprisonment with Class A or Class B misdemeanors.

Most speeding ticket violators will fall into the infraction category, which doesn’t require a mandatory court appearance or jail time.3 If you have three or more offenses within a year or if you’re under 21, two or more offenses within two years, your license will be revoked. Fines are separate from bail, which kicks in even if you’re only one mile per hour over the posted speed limit.4

Miles per hour (mph) over the speed limit 6-10 10-25 26-34 35 or higher
Offense type Petty/infraction Petty/infraction Class B misdemeanor Class A misdemeanor
Maximum fines $50

While passing schools: $150 for a first offense, $300 for second and subsequent offenses

While traveling through a highway construction or maintenance speed zone: $250 for a first offense, $750 for second or subsequent offenses


While passing schools: $150 for a first offense, $300 for second and subsequent offenses

While traveling through a highway construction or maintenance speed zone: $250 for a first offense, $750 for second or subsequent offenses

$1,500 $2,500
Points 5-55, depending on speed/location 5-55, depending on speed/location 5-55, depending on speed/location 5-55, depending on speed/location
Bail $164 $164 $250 or must surrender current Illinois driver’s license $250 or must surrender current Illinois driver’s license
Mandatory court appearance? No No Yes Yes
Imprisonment maximum in months 0 0 6 12

What to Do If You Get a Speeding Ticket

There are three main paths you can take if you get a speeding ticket.5

  1. Pay the fine: The easiest course of action is to plead guilty and pay the fine, which you can do online. The conviction will be on your driving record, but you won’t have to appear in court, do any additional paperwork or take a driver training course.
  2. Plead guilty and request an order for supervision: If you want to avoid having the conviction on your record, you can plead guilty and go to traffic school.
  3. Plead not guilty and request a trial: Pleading not guilty or being charged with a misdemeanor instead of an infraction will require you to appear in court for a trial. Be sure to dress nicely, arrive on time and enter your plea in front of the judge. You can either agree to a plea bargain with the prosecutor or go to trial — either a bench trial (in front of the judge only) or a trial by jury if you request it.

For the judge to declare you guilty, the prosecution must have proof against you. If you are convicted, you will have to pay the original fines plus court costs, attend traffic school, and, for more serious violations, be on probation, go to jail or perform community service. The conviction will be on your record regardless.6


Having a traffic violation on your record will raise your car insurance rates, so if you can, plead guilty and attend traffic school to keep your record clean and your insurance premiums low.

Other Traffic Violations That Affect Car Insurance

Speeding isn’t the only traffic violation that will cause insurance rates to rise. Avoid other moving and non-moving violations, which can occur when your vehicle is in motion or parked.


  • Not stopping at a red light
  • Doing a hit-and-run
  • Not yielding to a railroad crossing
  • Not adhering to pedestrian right of way
  • Improper passing


  • Parking
  • Improper equipment
  • Missing license
  • Late registration


Even if it’s just a $50 fine, speeding isn’t worth it and teen speeding is even more dangerous. So the next time you’re running late, make sure you’re still driving under the maximum speed limit, not only to lower your financial costs but also to save a life.

Frequently Asked Questions

Do speed camera tickets affect insurance in Illinois?

Speed camera tickets can affect insurance in Illinois, as would any other ticket. On average, speeding tickets can increase your insurance costs by 35 percent. The exact percentage will vary based on your provider, offense number and other factors.

How do I get a speeding ticket off my record in Illinois?

To get a speeding ticket off your record in Illinois, you can plead guilty and request an order for supervision, meaning you’ll have to attend traffic school. However, if your speeding ticket resulted in a Class A or B misdemeanor, there’s no way to get it off your record in the near term; it will remain on your record for about five years.

Does a speed warning go on your record in Illinois?

No, a speed warning will not go on your driving record in Illinois. Only the individual police department that issued the warning will know about it.

How can I check my license points in Illinois?

To check your license points in Illinois, you have three options.

  1. Online: Request your Driving Record Abstract at
  2. In person: Visit a Driver Services facility and ask for the Abstract Request form. Pay the $12 fee, plus a $1 fee for debit or credit cards. You will receive your record immediately.
  3. Mail: Download the request form (, fill it out and send it to the following mailing address.
    • Secretary of State, Driver Analysis Section
    • 2701 S. Dirksen Pkwy.
    • Springfield, IL 62723


  1. Fatality and Injury Reporting System Tool (FIRST). National Highway Traffic Safety Administration. (2023).

  2. Mandatory Vehicle Insurance. Illinois Department of Transportation. (2023, Jan).

  3. Illinois Compiled Statutes. Illinois General Assembly. (2023).

  4. Speed Limit Enforcement. Illinois State Police. (2023).

  5. Circuit Court E-Business Links. Illinois Courts. (2023).

  6. Your Guide to Illinois Traffic Courts. Illinois State Bar Association. (2023).