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In the US State of Illinois, drivers can get penalty points or a demerit point, and their driving license can be canceled or suspended. A driving license can be suspended or canceled based on the number of penalty points accumulated by Illinois State drivers over some time because of the traffic offenses or infringements they committed during that period.
You can contact the Department of Motor Vehicles (DMV) for your State to check your penalty points. To check If Speeding Points Affect Insurance, read our article.
How do Points on a Driver’s License Affect Insurance in Illinois?
In Illinodriver’sr, license points affect insurance premium costs. Based on our case study, Illinois’s average car insurance premium is $1,853 per year for no violation points. If you get driving penalty points for a fault accident, your insurance premium cost will increase by an average of 31%, which will be $2,144 on average. Racing or reckless driving points can grow up to 46% of your insurance premium policy, so these offenses generate an average insurance cost of $2,744 in Illinois.
However, each insurance company has its drivipoint’st’s records ranking system. For the same offenses or penalty points, you can have different insurance premium increases in various companies.
For example, for a same-fault accident in Illinois, the Nationwide insurance company can increase the policy by 10%, while Allstate and Progressive insurance can increase up to 38%.
How long do points stay on your driving record in Illinois?
In Illinois, Traffic violation convictions typically stay on a driver’s record for at least five years, and points can remain on a record for 4 to 11 years.
How much do 2 points affect insurance in Illinois?
On average, two penalty points in Illinois will affect a 4% premium insurance increase. However, while some insurance companies will not increase your car insurance coverage policy, some can increase costs by up to 68%.
How much do 3 points affect insurance in Illinois?
In Illinois, on average, 3 penalty points will affect an 8% premium insurance increase. However, while some insurance companies will not increase your car insurance coverage policy, some can increase costs by up to 75%.
How much do 4 points affect insurance in Illinois?
In Illinois, four penalty points will affect an average 8% premium increase. However, while some insurance companies will not increase your car insurance coverage policy, some can increase costs up to 100%.
How much do 5 points affect insurance in Illinois?
In Illinois, five penalty points will affect an average 8% premium insurance increase. However, while some insurance companies will increase your car insurance coverage policy by just a few percent, some can increase costs up to 100%.
How much do 6 points affect insurance in Illinois?
In Illinois, six penalty points will affect an average 10% premium insurance increase. However, while some insurance companies will increase your car insurance coverage policy by just a few percent, some can increase costs up to 100%.
How much do 7 points affect insurance in Illinois?
In Illinois, seven penalty points will affect an average 24% premium insurance increase. However, while some insurance companies will increase your car insurance coverage policy by just a few percent, some can increase costs up to 100%.
How much do 8 points affect insurance in Illinois?
In Illinois, eight penalty points will affect an average 41% premium insurance increase. However, while some insurance companies will increase your car insurance coverage policy by just a few percent, some can increase costs up to 100%.
The length of a suspension period for any Illinois license holder
- 0-14 points—no action
- 15 to 44 points—2-month suspension
- 45 to 74 points—3-month suspension
- 75 to 89 points—6-month suspension
- 90 to 99 points—9-month suspension
- 100 to 109 points—12-month suspension
- 110 points or more—License revoked
Offense and driving points record in Illinois
| Violation | Number of Points Assigned |
| Speeding 1-10 miles per hour over the limit | 5 |
| Speeding 11-14 miles per hour over the limit | 15 |
| Speeding 15-25 miles per hour over the limit | 20 |
| Speeding in a school zone | 20 |
| Speeding in a construction zone | 20 |
| Driving through the safety zone | 20 |
| Disregarding traffic lights, traffic signs, traffic laws, and traffic rules | 20 |
| Failing to stay in the proper lane | 20 |
| Possession of an open alcohol container | 25 |
| Failure to stop and offer aid after a motor vehicle accident with property damage only | 50 |
| Failure to stop and give aid after a car accident with injury or death | 50 |
| Speeding over 25 miles per hour above the limit | 50 |
From 2022.,Jason writes educational insurance articles for Promtinsurance.com.
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