How to file for SR-22 car insurance in Illinois | finder.com
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Filing for SR-22 insurance in Illinois

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If you’ve gotten in trouble behind the wheel in Illinois, you could be ordered by the court to file for an SR-22.

While commonly referred to as “SR-22 insurance,” an SR-22 isn’t insurance at all. Rather, it’s a document your insurance company files with the state to prove you’re covered by the minimum car insurance required to legally drive.

Here’s a look at how you can get and maintain an SR-22 in Illinois.

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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.

Name Product Roadside assistance New car protection Available states
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Yes, cars under 2 years old
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Enjoy having your own dedicated agent to help you get the best discounts and coverage.
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Yes, cars under 1 year old & 15,000 miles
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Car insurance through Liberty Mutual will give coverage options for almost any situation.
Included free
No
AZ, AR, DE, IL, IN, IA, KY, LA, MD, MI, MS, MT, NM, ND, OH, OK, OR, PA, TX, UT
Root offers simple, affordable insurance that’s ideal for good drivers. Try the Root app for 2 weeks and see how much you could save. Available in 20 states.
Included free
Yes, cars under 1 year old & 15,000 miles
All states except AK, DE, HI, MT, NH, VT, WY
Esurance offers a modern online and mobile experience that helps you take your insurance on the go. Available in 42 states.
Optional
Yes, cars under 1 year old & 15,000 miles
AZ, CA, IL, NJ, OR, PA, VA, WA
Drive less than 30 miles a day? Save on the coverage you need with pay-per-mile insurance from Metromile. Get a low monthly rate then pay just a few cents per mile. Available in AZ, CA, IL, NJ, OR, PA, VA and WA.

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Do I need SR-22 insurance in Illinois?

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.
  • 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 to confirm you’re on the up and up, 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.

Get cheap SR-22 insurance

Compare SR-22 car insurance from companies near you.

Your information is secure.

Companies that offer SR-22 car insurance in Illinois

Not every insurer offers SR-22 filing support. Compare cheap rates from Illinois insurance companies that offer SR-22 insurance. Your actual quotes will vary based on your demographics, location, driving record and other factors.

Rates last updated November 23rd, 2018
Company Median annual rate Learn more
Liberty Mutual $1,611 Read review
Allstate $825 Read review
Esurance $647 Read review
State Farm $476 Read review
Geico $908 Read review
Progressive $495 Read review
Safeco $426 Read review
American Family $697 Read review
Farmers $1,336 Read review
Travelers $1,953 Read review
USAA $965 Read review
Average $940 Compare more reviews

How do I file an SR-22 in Illinois?

    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:
      • $25,000 for injury or death to one person.
      • $50,000 for injury or death to more than one person.
      • $20,000 for damage to property.

      These are the minimum coverage requirements for the state of Illinois. You may see this coverage listed as 25/50/20 in insurance documents.

    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.

Find out how to get an SR-22 with top car insurance providers

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.

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.

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.

Get cheap SR-22 insurance

Compare SR-22 car insurance from companies near you.

Your information is secure.

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