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10 Illinois Cities Where a Speeding Ticket Will Damage Your Wallet

03/10/2015 04:33 pm ET | Updated May 09, 2015

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.

More from 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:

25. Glenview

True cost: $779.25 Annual car insurance premium

  • Before ticket:1,055.34
  • After ticket:1,187.19
Five year insurance increase: $659.25

24. Alton

True cost: $783.40 Annual car insurance premium

  • Before ticket:1,005.38
  • After ticket:1,138.06
Five year insurance increase: $663.40

23. Belleville

True cost: $790.25 Annual car insurance premium

  • Before ticket:1,027.33
  • After ticket:1,161.38
Five year insurance increase: $670.25

22. Tinley Park

True cost: $800.00 Annual car insurance premium

  • Before ticket:1,050.97
  • After ticket:1,186.97
Five year insurance increase: $680.00

21. Belvidere

True cost: $807.20 Annual car insurance premium

  • Before ticket:978.50
  • After ticket:1,115.94
Five year insurance increase: $687.20

20. East Saint Louis

True cost: $814.35 Annual car insurance premium

  • Before ticket:1,247.14
  • After ticket:1,386.01
Five year insurance increase: $694.35

19. Orland Park

True cost: $816.75 Annual car insurance premium

  • Before ticket:1,075.09
  • After ticket:1,214.44
Five year insurance increase: $696.75

18. Hoffman Estates

True cost: $826.10 Annual car insurance premium

  • Before ticket:1,031.69
  • After ticket:1,172.91
Five year insurance increase: $706.10

17. Granite City

True cost: $836.55 Annual car insurance premium

  • Before ticket:1,070.25
  • After ticket:1,213.56
Five year insurance increase: $716.55

16. Oak Forest

True cost: $844.40 Annual 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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