How to get an SR22 Insurance in Illinois

How to get an SR22 Insurance in Illinois?

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What is an SR22 Insurance and why do I need it?

An SR22 insurance is needed by a state’s Department of Motor Vehicles (DMV) as confirmation that a driver meets the minimum basic requirements of vehicle liability insurance needed by the state. 

SR22 is basically a certificate of financial responsibility, which is needed to reestablish your driving privileges after a driving infraction for example, a DUI conviction, an uninsured car crash/auto accident.

Though it is commonly referred to as “SR-22 insurance”, it’s not insurance. It is simply a document provided by the insurance company that proves the driver has the liability coverage on the car insurance policy required by the specific state.

 

SR22 Insurance in Illinois

If your license is suspended for any moving violations or you are convicted of a more serious driving-related offense then the Illinois Driver Services Department will likely need you to obtain an SR-22 from a licensed auto insurance company in order for you to get your license reinstated.

Having an SR22 in Illinois certifies that you have the state-mandated minimum car insurance coverage required to drive or to  have your license reinstated after being convicted of one of a few serious driving offenses.

SR-22 requirements in the state of Illinois are unique to the state. So it’s important for you to understand how this will impact your insurance rate, driving record and other factors.

 

Who needs an SR22 Insurance in Illinois?

An Illinois SR22 car insurance is essential for drivers – 

  • Convicted of DUI, DWI, or other major traffic violations.
  • Who were involved in an accident where there was bodily injury, death, or damage to property and the driver did not have minimum liability insurance.
  • With unpaid legal judgments
  • Who were caught driving without insurance or were unable to show proof of auto insurance to the authorities.
  • Who were convicted of excessive violations within a short period of time
  • Who failed to pay child support

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What is the basic minimum coverage amount to be purchased and maintained by all the drivers requiring an SR22 certificate in Illinois?

The state of Illinois requires all drivers requiring an Illinois SR22 Insurance to have a basic minimum coverage of – 

  • $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.

 

How do I get an Illinois SR22 Insurance?

Your Illinois SR22 insurance can be acquired from your auto insurance provider. The insurance agency will file your SR22 auto insurance form with the Illinois Driver Services Department for a fee. You will receive a copy of the form along with a letter from the Illinois Driver Services Department once your SR22 insurance filing has been accepted.

SR22InsuranceNow can help you in getting the cheapest Illinois SR22 Insurance. Our nationwide partnerships with top providers (Geico, StateFarm, Progressive, Allstate & more) makes sure that you get the cheapest SR22 insurance rates in Illinois. Call us now at 888-885-3948 to compare rates from top providers and get the best offer unique to your requirement!

 

How much does an Illinois SR22 Insurance cost?

Your insurance provider company will charge you a fee of $20 to $50 to file for SR22 insurance in Illinois. Having an SR22 certificate in Illinois will increase your premium amount. 

You can check the table below to get an estimate of how much does a SR22 insurance cost in Illinois after being convicted of one of the below mentioned driving infractions- 

High Risk Rating Factor Average Annual Rate Increase vs. no violations
No Violations
$1,303
-
At-fault collision with damage over $2,000
$2,057
$755
Speeding of 21-25 mph over the limit
$1,746
$443
Reckless driving
$2,025
$722
Racing
$2,017
$714
Hit-and-run
$2,017
$714
DUI/DWI
$1,968
$665

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How long do I need an Illinois SR22 Insurance?

You must maintain the SR22 in Illinois for a minimum of three years, and this must be renewed at least a month or two before it expires.

 

Non-Owner SR22 Insurance In Illinois

In Illinois, Non-owners SR22 insurance is required by drivers who drive a car but don’t own it. This includes coverage for any damage caused by the driver while driving. The cost of a non-owner SR22 insurance in Illinois depends on a few components including age, sexual orientation, postal division, conjugal status, driving record, and FICO score.

SR22InsuranceNow can help you in finding insurance companies in Illinois that offer non-owner SR22 insurance. It just takes a couple of minutes and you can have your non – owner SR22 documented on the same day. Call us at 888-885-3948 now!

 

Frequently asked questions related to SR22 Insurance in Illinois

 

1. Where can I get the cheapest SR22 in Illinois?

SR22InsuranceNow can help you find the cheapest SR22 Insurance. Top cities covered – Chicago, Springfield, Aurora, Joliet, Naperville, Rockford, Springfield, Peoria, Elgin, Champaign, Arlington Heights, Cary, Freeport, Lincoln, Lake County, Bellwood, Galesburg, Belleville, Westmont, Cicero, Dekalb, Macomb, Waukegan, Wayne city and more.  

Our nationwide partnerships with top providers (Geico, StateFarm, Progressive, Allstate etc) will help you get the cheapest SR22 insurance rates in all counties and cities in Illinois. Call us now at 888-885-3948

 

2. How to get cheap SR22 in Illinois without a car?

If you don’t own a car, you have to get a Non – Owners SR22 Insurance. This insurance covers the cost of any damage caused by the driver while driving.

SR22InsuranceNow will help in finding insurance companies that offer the cheapest non-owner SR22 insurance. It just takes a couple of minutes and you can have your non – owner SR22 documented on the same day. Give us a call at 888-885-3948 today!

 

3. If I require an SR22 in Illinois, will I need it even if I move out of Illinois to a new state?

Even if you move out of Illinois, you will still have to carry the SR-22 insurance in your new state. This is regardless of whether you live in a state that requires SR-22 insurance or not. 

 

4. How do I find out if I need to get SR22 in Illinois?

An SR-22 is a mandate given by either the court or your state. If it’s court-mandated, the judge would let you know during your hearing that you are required to get it. If it’s state-mandated, typically, you would receive an official letter in the mail from the Illinois Driver Services Department that you are required to get an SR-22.

You can also approach the Illinois Driver Services Department to get a clarification whether you need an SR22 Insurance or not.

 

5. Which companies offer SR22 in Illinois?

Top insurance companies like StateFarm, Geico, Allstate, Progressive and many more offer SR22 in Illinois. 

You can call SR22InsuranceNow and one of our executives will assist you in choosing the cheapest SR22 Insurance plan now! Call us now at 888-885-3948

 

6. Which companies offer Illinois Non – Owner SR22 insurance?

Top insurance companies like StateFarm, Geico, Allstate Progressive and more offer Illinois Non – Owner SR22 Insurance . 

You can call SR22InsuranceNow (888-885-3948) and one of our executives will assist you in choosing the cheapest Non – Owner SR22 Insurance plan now!

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