Illinois Auto Insurance with Bad Credit

The Zebra
March 12, 2019

It can be tough to find affordable car insurance if you have bad credit. Auto insurers use credit as a major rating factor, setting premiums based partially on clients' credit scores. Since auto insurance companies rely on data showing drivers with bad credit have a greater likelihood of filing car insurance claims, they account for for that added risk by assigning expensive rates.

How much you pay for car insurance with bad credit depends on which company you choose, where in Illinois you live, and an array of other rating factors. We've gathered below average insurance premiums for drivers with bad credit in major Illinois cities, alongside rates from a few of the most popular auto insurance companies, plus tips on saving on auto insurance if you have a bad credit score in Illinois.


Auto insurance for drivers with bad credit in Illinois:

  1. Average premiums
  2. Prices by city
  3. Costs by carrier

Car insurance rates with bad credit in Illinois

Drivers in Illinois pay an average penalty of $1,257 annually for having a "worst"-tier credit score. Drivers in either the “poor” or “below fair to poor” credit tier will also face a penalty.


ILLINOIS CAR INSURANCE RATES WITH BAD CREDIT

Credit TierAverage Annual Rate in Illinois
Worst$2,377
Poor$2,125
Below Fair to Poor$1,937
Average — All Credit Tiers$1,120

Paying too much? Compare rates now!

Compare rates from top car insurance companies.


Car insurance rates with a bad credit score in Illinois cities

Your car insurance rates will also vary based on the precise area where you park your car. Insurers use your address to better understand your likelihood of filing a claim: the more claim-prone your area,, the more expensive your rates.

See below major Illinois cities and their average auto insurance costs for drivers with low credit scores.


BAD CREDIT CAR INSURANCE RATES IN ILLINOIS CITIES

CityAverage Annual Rate — Worst CreditAverage Annual Rate — Poor CreditAverage Annual Rate — Below Fair to Poor Credit
Chicago$3,099$2,776$2,532
Aurora$2,367$2,122$1,935
Rockford$2,480$2,223$2,028
Joliet$2,536$2,272$2,072
Naperville$2,360$2,113$1,927

Compare quotes from top companies!

Compare rates from top car insurance companies.


Car insurance companies for bad credit in Illinois

Another factor that contributes to how much you pay for car insurance is the insurance company you choose. Each car insurance company rates policies differently, giving rating factors varying weights in their calculations. Credit history can be a major pricing differentiator from one insurance company to the next. In Illinois, the cheapest major insurance company with bad credit is Country, which offers a discount of $462 per year compared to the second-cheapest company, American Family.

See premiums from leading car insurance companies in Illinois for drivers with bad credit.


ILLINOIS CAR INSURANCE PREMIUMS WITH BAD CREDIT — BY COMPANY

CompanyAverage Annual Rate — Worst Credit Tier
Country$1,566
American Family$2,028
State Farm$2,491
Progressive$2,658
Allstate$2,674

If you're buying car insurance with a bad credit history, consider these tips:

  1. Get car insurance quotes
  2. Know when — and when not — to file your claims
  3. Know what goes into auto insurance rates

Compare rates from top car insurance companies.