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There’s no good place to get a speeding ticket, but where an Illinois driver lives factors into how much more vehicle insurance will cost for up to five years after a conviction, according to a new study released Monday.


A first violation for driving 15 mph over the speed limit, which upon conviction carries a $120 fine in Illinois, will increase rates by an average of $125 a year in the state and keep them there for four and a half to five years, concluded the study by NerdWallet, a San Francisco-based company that provides financial advice for consumers.


The average Illinois driver will face a 12 percent annual insurance premium increase after receiving a speeding ticket, NerdWallet said.


Among 88 municipalities with populations greater than 15,000 that were covered in the study, drivers living in Harvey have the distinction of paying the biggest hike in driver’s insurance after being caught speeding — $858 more over five years — while drivers residing in Evanston faced the lowest escalation — $457, NerdWallet reported.


Cook County had nine out of the top 10 most expensive cities for insurance rate increases after a speeding conviction, the study said. Four south suburbs are in the top 10 list.


For the towns with the smallest insurance rate increases after a speeding conviction, nine out of 10 were outside Cook County, NerdWallet found.


The city of Chicago ranked No. 15. Lead-footed Chicago drivers are paying $145 more a year for insurance, or $727 over five years as the result of a speeding conviction, the study said.


Statewide, the “true cost of a speeding ticket’’ is more than six times the cost of the actual ticket, said John Kuo, the NerdWallet analyst who conducted the study.


Kuo said the variability in insurance rates from one location to another is based on many factors, including average household income, education levels in the community, employment rates and crime.


“Urban areas with higher crime rates also tend to have more uninsured motorists than rural areas,’’ Kuo said.