CONSEQUENCES OF A WISCONSIN SPEEDING OR OTHER TRAFFIC VIOLATION CONVICTION ON ILLINOIS INSURANCE PREMIUMS

This topic is often the main motivation for a driver to hire an experienced traffic attorney to handle their speeding or traffic citation. Retaining an attorney to properly handle a traffic ticket can potentially save a driver from long lasting increased insurance premiums that may result from a traffic ticket conviction being entered on the driver's record. In Illinois, the Secretary of State notates and keeps speeding and other traffic convictions on a driver's record for a period of at least five years. There is an internal system of purging these tickets after five years, but no way for a driver to expunge or remove the convictions from their record any sooner. 

The specific answer to the question of how a Wisconsin speeding ticket may affect an Illinois driver's insurance rates is pretty straightforward intitially. The speeding or traffic conviction will initially be repoerted to the Wisconsin Department of Transportation. The WDOT will then note the Illinois drivers license number and electronically report the conviction to the Illinois Secretary of State. The driver's insurance company will view the recorded conviction o nthe next policy review and the conviction(s) on the Illinois driving record will most likely result in increased insurance premiums. The popular consumer website Insurify recently documented car insurance rate increase percentages rising almost 22% in 2024. The full extent of increased insurance premiums that one or more convictions will cause Illinois drivers depends on many factors that insurance companies consider including, but not limited to: geography, prior traffic history, age, sex, type of car, how fast the ticket alleges the driver to be going, etc. A young driver with a conviction may increase an entire family premium as a CDL driver may increase a company or fleet premium, negatively impacting a business. One insurance company provides a helpful website outlining many of the reasons for insurance rate increases.

INCREASED INSURANCE PREMIUMS COMPARED BY INSURANCE COMPANIES

An experienced Illinois and Wisconsin traffic attorney cannot quote the specific amount or percentage of how much an insurance might increase a rate as that information varies with insurance companies and a client's history, but a qualified traffic attorney should be able to assess the severity of a ticket and have a plan on how to minimize potential rate increases by disposing of the traffic ticket in a manner  that is most favorable to the client's interests. The best interests of a Wisconsin licensed driver can be very different from an Illinois licensed driver. Being licensed in both Illinois and Wisconsin I pride myself on securing the best possible dispositions based on the Illinois Secretary of State and Wisconsin Department of Transportation. For more specific trends and impacts of speeding convictions on insurance rates the consumer website Nerdwallet provides more specific details on insurance companies and state comparisions of increased car insurance rates after a speeding ticket conviction

 If you have a traffic or speeding ticket or traffic violation of any kind in Illinois or Wisconsin call the Richard Albanese Law Office today for a free consultation on how best to proceed with your case and to keep your insurance rates as low as possible. You can reach the Richard Albanese Law Office at (312) 882-1973 or at [email protected] or at http://www.criminalandtrafficdefenseattorney.com.