Almost every state (except New Hampshire and Virginia) requires its licensed drivers to have a minimum amount of insurance coverage. The required insurance generally includes bodily injury liability coverage and property damage liability coverage in certain minimum amounts.

The cost of insurance is affected by many factors, including the driver’s driving record. A single speeding ticket can increase your insurance rates by as much as 25-30%, and more serious offenses such as DUI/DWI, street racing, or hit-and-run can increase the cost of your insurance by 75% or more.

A driver who has received a ticket or citation for a criminal offense or traffic violation with the potential to increase their insurance rates may want to consult with a lawyer who has relevant experience and expertise.

In Illinois, state law requires all licensed drivers to carry auto insurance with minimum liability coverage. This includes bodily injury liability, which must be at least $25,000 per person and $50,000 per accident, and property damage liability coverage of at least $20,000. Additionally, Illinois drivers must have uninsured motorist coverage with the same minimums as bodily injury liability. The cost of auto insurance in Illinois can be influenced by various factors, including the driver's record. Traffic violations such as speeding can lead to a significant increase in insurance premiums, often between 25-30%. More severe infractions, such as DUI/DWI, street racing, or hit-and-run, can result in even higher increases, sometimes exceeding 75%. Drivers in Illinois who have received a ticket or citation that may impact their insurance rates may benefit from consulting with an attorney who specializes in traffic violations and insurance law to explore their options and potentially mitigate the consequences.