Compare Illinois SR-22 insurance

If you live in Illinois and have recently been convicted of DWI or reckless driving, you may be required to get an SR-22 to prove your financial responsibility before you get your license back. Filing for SR-22 is simple if you can find a provider willing to cover you for an affordable rate.

How do I get an SR-22 in Illinois?

1. 1. Find an insurer. If your current insurer is authorized to issue SR-22s in the state of Illinois, request adding one to your policy. Otherwise, you’ll need to find another provider willing to file on your behalf.
   2. Pay the SR-22 fee. You’ll pay a processing fee to your insurer to finalize your SR-22 filing.
   3. Verify minimum liability coverage. If you’re already insured, make sure your policy includes at least 25/50/25 liability coverage:
      • $25,000 for injury or death to one person.
      • $50,000 for injury or death to more than one person.
      • $20,000 for damage to property.
   4. Submit your SR-22. Your insurance agent will file your SR-22 with the Illinois Secretary of State’s office.
   5. Wait for confirmation. You’ll receive a letter from your insurer and the Illinois Secretary of State that your SR-22 is accepted. Without this confirmation, you can’t legally drive in Illinois.

When would I need SR-22 insurance in Illinois?

An SR-22 is proof of future financial responsibility. It’s a form that demonstrates you have a car insurance policy that meets Utah’s minimum auto insurance requirements.

Your state DMV will let you know if you need to file an SR-22. In Illinois, you must file for an SR-22 if:

• Your license is suspended due to a safety responsibility issue or unsatisfied judgment.
• Your license is revoked.
• You’re under mandatory insurance supervision.
• You’re convicted three or more times for insurance violations.

There are three types of Illinois SR-22 certificates:

• Operator’s certificate. For drivers who don’t own a vehicle. Also known as nonowners SR22.
• Owner’s certificate. For drivers who intend to drive their own cars.
• Operators-owners certificate. Coverage for all cars you might drive, whether you own them or not.

What if I don’t have a car or license?

You’ll still need to file for an SR-22 to legally get behind the wheel in Illinois. Ask your insurer for an operator’s certificate.

What if I’m from another state?

If you have an SR-22 from another state, you must maintain it while driving in Illinois. Your SR-22 might be sufficient for Illinois’ requirements, but you’ll need to check with your local Illinois DMV and your insurer.

How much does an SR-22 cost in Illinois?

Once you’ve purchased or renewed a policy, most providers will file an SR-22 for a fee of $20 to $50. It’s not the fee that’s most expensive when you file for an SR-22 — you’ll also typically see higher premiums than you’re used to.

Premium increases are a result of your infractions moving you into a category of drivers that the state and insurers consider to be high risk. On top of those higher rates, you may also need to pay your coverage for the year all at once instead of on a monthly basis. Set aside time to talk with your insurance agent to determine how the SR-22 filing will affect your standing.

Our top pick: SafeAuto

High-risk drivers can find no-frills policy at a decent price with multiple payment options.

• Supports high-risk policyholders
• Many discounts available
• Multiple payment options including money transfers

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• High risk drivers welcome
• Minimum & SR-22 coverage

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Compare Illinois SR-22 insurance

Find the best rates from insurance providers near you or learn more about state minimums and other requirements in the comprehensive guide to Illinois car insurance.

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Name	Product	SR-22	Nonowner policy	Payment schedule	States served
The General		Yes	Yes	12 months, monthly	All states except HI MA MI and NJ	Basic, affordable coverage for almost any driver, including drivers with past claims or SR-22.	Get quotes More Info	Compare	loading Fetching your data...
Esurance		Yes	No	12 months, monthly	AL, AZ, AR, CA, CO, CT, FL, GA, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, NE, NV, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, WA, WV, WI	Convenient online quotes, coverage and claims for tech-savvy drivers.	Get quotes More Info	Compare	loading Fetching your data...
Elephant		Yes		monthly	IL, IN, MD, TN, TX, VA	An online-based brand with big discounts and 12-month rate locks.	Get quotes More Info	Compare	loading Fetching your data...
SafeAuto		Yes	Yes	12 months, 6 months, monthly (fee applies)	AZ, GA, IL, IN, KS, KY, LA, MS, MO, OH, OK, PA, SC, TN, TX, VA	High-risk drivers can find no-frills policy at a decent price with multiple payment options.	Get quotes More Info	Compare	loading Fetching your data...
Dairyland		Yes	Yes	custom	AL, AZ, AR, CA, CO, CT, DE, FL, ID, IL, IN, IA, KS, KY, ME, MD, MN, MS, MO, NE, NV, NM, NC, OH, OR, PA, SC, SD, TN, TX, UT, VT, VA, WA, WV, WI, WY	Flexible payment options and local agents make it easy for high-risk drivers to get covered.	More Info	Compare	loading Fetching your data...
Farmers		Yes	No	monthly, custom	All 50 states	Choose from add-ons like glass repair services and new car replacement to enhance basic coverage.	Get quotes More Info	Compare	loading Fetching your data...
USAA		Yes	Yes	12 months, 6 months, custom	All 50 states	USAA offers affordable car insurance with highly rated customer service to millions of military members and their families. Only available to military members, veterans and affiliated military members.	More Info	Compare	loading Fetching your data...

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How long will I need an SR-22 in Illinois?

In Illinois, most court-ordered SR-22s result in a coverage requirement of three years. You’ll typically need to renew it at least a month or two before your policy expires.

What happens if I let my SR-22 lapse?

Your insurance is required to file an SR-26 with the state Safety and Financial Responsibility Section in the event of your coverage ending. A lapse in your insurance, be it from not renewing far enough in advance, expiration or cancelation, can result in your license being suspended.

In order to prevent a gap in coverage be sure to pay your premiums on time and renew your SR-22 insurance a minimum of 45 days in advance. The insurance provider you’re going through is also required to report if you don’t renew your SR-22 coverage within 15 days of expiration, which may also result in your license being suspended.

What happens when I don’t need SR-22 coverage anymore?

After your mandate period is over you’ll be able to cancel your SR-22 coverage. To avoid a potential suspension check with your local DMV and confirm you no longer need to have that particular coverage before you change your insurance policy.

Are there any alternatives to SR-22 insurance in Illinois?

Yes, but it’s probably easier to stick to the SR-22 route. You’ll need to deposit $70,000 with the Illinois DMV as a financial guarantee.

Bottom line

You’re responsible for staying ahead of the game when it comes to your SR-22 insurance. Monitor where you’re at in your filing period carefully, stay on top of your payments and renew before the 45-day deadline to avoid potentially getting your license suspended again.

Insurance premiums can be especially costly for drivers who have been marked as high risk. Take the time to compare your options to find the company that best fits what you can afford while providing the coverage you need.