SR22 Insurance in Illinois
In Illinois, if your license has been suspended for any moving violations or you have been convicted of a more serious driving-related offense then The Driver Services Department of Illinois Secretery of State will likely need you to obtain an SR-22 from a licensed auto insurance company to get your license reinstated.
SR22 insurance in Illinois certifies that you have the state-mandated minimum car insurance coverage required to drive or to have your license reinstated after having been convicted of one of a few serious driving offenses.
SR-22 requirements in 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?
In Illinois, drivers who’ve had their licenses suspended after being convicted of one or more of the below listed infractions need to file an SR22 certificate to get their license reinstated–
- Convicted of DUI, DWI, or other major traffic violations.
- Involved in accident where there was bodily injury, death, or damage to property and the driver did not have minimum liability insurance.
- Who has 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
What is the basic minimum coverage needed for drivers requiring SR22 in Illinois?
The state of Illinois requires a minimum auto insurance 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 file SR-22 in Illinois?
Your SR22 insurance in the state of Illinois can be acquired from your auto insurance provider who will file your SR22 form with Illinois Secretery of State Driver Services Department for a fee.
SR22InsuranceNow can help you file SR22 in Illinois. Just give us a call at 888-885-3948 (tollfree). An SR22 specialist will get you free SR22 quotes from top providers in Illinois. You can compare rates and save big!
All this can happen just over a phone call. Once you choose the provider, they will file SR22 on your behalf with The Driver Services Department of Illinois Secretery of State for a minimum fee. You will receive a copy of the form and a letter from the Driver Services Department once your SR22 insurance form filing has been accepted.
How much does an SR-22 cost in Illinois?
In Illinois, your insurance provider will charge you a filing fee of $20 to $50 to file for an SR22. However the filing fee isn’t the most expensive part of the SR22 Insurance. Once you are asked to get an SR22 Insurance, you are termed as a “high-risk” driver by the state of Illinois and most of the auto insurance providers, resulting in higher insurance premiums hitting your wallet hard.
The increase in premium amount you pay depends on the provider you choose, severity of your driving violation, age, and many other factors.
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|
|At-fault crash over $2,000||$2,057||$755|
|Speeding of 21-25 mph over the limit||$1,746||$443|
How long do I need an SR-22 in Illinois?
In Illinois, all drivers requiring an SR22 insurance must maintain it for a minimum of three years (36 months).
If you cancel or let your SR22 insurance policy lapse prematurely, your auto insurance company will file an SR26 with The Driver Services Department of Illinois Secretery of State, informing them about the lapse in your SR22. After which the Driver Services Department will suspend your driving privileges until you get your SR22 renewed.
Non Owner SR22 Insurance in Illinois
In Illinois, Non Owner SR22 insurance is required for drivers who drive a car but don’t own it. This includes coverage for any damage caused by the driver in an accident.
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 find top insurance providers 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 today!
How to get cheap SR22 insurance in Illinois without a car?
In Illinois, if you are required to file SR-22 but you don’t own a car, you have to get a Non – Owner SR22 Insurance. This insurance covers the cost of any damage caused by the driver while driving.
The best way to get cheap SR22 insurance even if you don't own a car is to shop around and get quotes from multiple providers and compare rates. SR22InsuranceNow can help you get FREE SR22 insurance quotes from top insurance providers. You can compare rates and save big!
Call us now at our toll-free number 888-885-3948.
Illinois Laws & Penalties
According to the state of Illinois, anyone who operates a vehicle with a blood alcohol content (BAC) of .08% or more has done a serious DUI offense.
The penalties for these include jail time up to 364 days, fines up to $2,500, community service (if BAC is 0.16%), alcohol/drug evaluation treatment, and a license suspension of 12 months. You will be asked to file an SR22 in Illinois in any of these cases.
Get a Free, No-obligation SR22 Auto Insurance Quote in Illinois