Receiving a speeding ticket is a drag. Aside from having to pay the fine and costs associated with legal fees, a ticket will wreak havoc on your annual car insurance premium long after you saw the blue- and red-flashing lights in your rear-view mirror.
Drivers who get caught speeding in Illinois typically will be issued a ticket for $120, but depending on where you live, the "true cost" of that expensive yellow ticket with illegible writing varies, according to the consumer finance website NerdWallet.
After receiving a speeding ticket, the average Illinois driver will face a $124.80 increase in his annual car insurance rate. Insurance hikes last for five years in Illinois, so drivers can expect to pay $624 more for insurance if they've been caught speeding. The true cost 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.
For those who live in Cook County, you can expect to see a larger insurance hike than in most other cities. Take a look at the top 25 towns where it is most expensive to receive a speeding ticket. A plain-text version follows the graphic with annual car insurance premium figures before a ticket and after one.
Here are 10 Illinois cities where getting a speeding ticket will cost you the most:
True cost: $779.25Annual car insurance premium
- Before ticket:1,055.34
- After ticket:1,187.19
Five year insurance increase: $659.25
True cost: $783.40Annual car insurance premium
- Before ticket:1,005.38
- After ticket:1,138.06
Five year insurance increase: $663.40
True cost: $790.25Annual car insurance premium
- Before ticket:1,027.33
- After ticket:1,161.38
Five year insurance increase: $670.25
True cost: $800.00Annual car insurance premium
- Before ticket:1,050.97
- After ticket:1,186.97
Five year insurance increase: $680.00
True cost: $807.20Annual car insurance premium
- Before ticket:978.50
- After ticket:1,115.94
Five year insurance increase: $687.20
True cost: $814.35Annual car insurance premium
- Before ticket:1,247.14
- After ticket:1,386.01
Five year insurance increase: $694.35
True cost: $816.75Annual car insurance premium
- Before ticket:1,075.09
- After ticket:1,214.44
Five year insurance increase: $696.75
True cost: $826.10Annual car insurance premium
- Before ticket:1,031.69
- After ticket:1,172.91
Five year insurance increase: $706.10
True cost: $836.55Annual car insurance premium
- Before ticket:1,070.25
- After ticket:1,213.56
Five year insurance increase: $716.55
True cost: $844.40Annual car insurance premium
- Before ticket:1,146.56
- After ticket:1,291.44
Five year insurance increase: $724.40
Check out the 15 Illinois cities where speeding tickets are the most expensive, plus the cities in which a speeding ticket is the least expensive.
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