Cheapest SR-22 Car Insurance in Illinois

Travelers provides the cheapest SR-22 insurance in Illinois, with monthly rates of $94 for minimum coverage and $166 for full coverage, 39% below the state average. Keep in mind these rates reflect costs for 40-year-old drivers with a DUI. COUNTRY Financial, Auto-Owners, Progressive and GEICO might offer better rates based on your specific profile.

* Rates represent a 40-year-old male driver with a DUI, good credit and a 2012 Toyota Camry LE.

Travelers stands out as the leading SR-22 provider in Illinois, winning in four out of seven categories. While Erie Insurance, Auto-Owners and GEICO each excel in one category, Travelers consistently offers competitive rates for most drivers needing SR-22 coverage.

* Rates for most drivers are represented by a 40-year-old male driver with a DUI, good credit and a 2012 Toyota Camry LE. All other profiles are modifications of these factors. Young drivers are represented by 25-year-olds, and seniors are represented by 65-year-olds; all other violations represent those with suspensions that are not due to driving violations.

While our base profile analysis shows overall winners, finding the most affordable provider depends on your specific situation. The table below ranks the five cheapest insurance companies based on your age, gender, coverage needs, credit and driving history.

Travelers offers the cheapest SR-22 car insurance in most Illinois cities, with rates starting at $71 per month depending on your location. You can find its rates for major cities across Illinois below.

* Rates represent a 40-year-old male driver with a DUI, good credit and a 2012 Toyota Camry LE.

Travelers stands as the best car insurance provider for SR-22 filing because it delivers the strongest combination of affordable rates, quality customer service and useful coverage options, earning the highest overall MoneyGeek score. However, you should also consider Progressive, Auto-Owners, Erie Insurance and GEICO in your search.

Illinois SR-22 car insurance costs $1,920 annually for minimum coverage and $3,442 for full coverage policies. Illinois ranks 24th nationally for minimum coverage affordability and 21st for full coverage. Monthly premiums vary significantly based on driver profiles, ranging from $77 to $867.

*Average rates shown represent a 40-year-old male driver with a DUI, good credit and a 2012 Toyota Camry LE.

According to our Illinois SR-22 insurance analysis, Coatsburg offers the lowest average rates at $112 monthly, while Chicago has the highest premiums at $210 per month. Review the costs for major cities across Illinois for full and minimum required coverage policies.

* Rates shown are for a 40-year-old male driver with a DUI, good credit and a 2012 Toyota Camry LE.

To comply with Illinois laws, you must carry these minimum liability limits:

• $25,000 personal injury liability per person
• $50,000 personal injury liability per accident
• $20,000 property damage liability per accident

In the state, SR-22 certificates are usually required for 3 years. This period can be extended if you commit additional violations during the monitoring period or fail to maintain continuous coverage.

While SR-22 filing helps meet Prairie State insurance requirements, drivers should know about additional coverage laws and regulations that affect their policies.

In Illinois, drivers with severe violations must file an SR-22 to prove they have minimum coverage. This requirement lasts 3 to 5 years, depending on the offense. While an SR-22 costs more, cheap car insurance options are available for these drivers.

Below are frequently asked questions about SR-22 certifications in Illinois:

MoneyGeek analyzed hundreds of thousands of quotes across Illinois to determine the average cost of car insurance premiums for drivers with various profiles that would likely need an SR-22. All data was sourced from Quadrant Information Services and extrapolated by our team to give you personalized recommendations for your specific profile.

Illinois SR-22 Driver Profile

We collected data for a sample driver with the following attributes and modified it to other common profiles for those needing an SR-22:

• 40-year-old male
• Driving record with a DUI
• 2012 Toyota Camry LE
• 12,000 miles driven annually
• Suspended license
• Single
• No claims history

Coverage Levels and Deductibles

We gathered quotes for minimum coverage policies to help drivers find the cheapest SR-22 insurance for their coverage needs. Quotes were based on Illinois's minimum coverage requirements, with the following limits:

• $25,000 personal injury liability per person
• $50,000 personal injury liability per accident
• $20,000 property damage liability per accident

We based our analysis for full coverage quotes that include comprehensive and collision protection on these coverage amounts with a $1,000 deductible:

• $100,000 bodily injury liability per person
• $300,000 bodily injury liability per accident
• $100,000 property damage liability per accident

Our Best SR-22 Company Rating Methodology

We rated all companies based on the following rating scale:

• Affordability (60% of score): We analyze premium costs by gathering quotes across multiple driver profiles and comparing pricing against regional competitors. This substantial weight reflects the primary concern most consumers have when selecting insurance coverage.
• Customer experience (30% of score): Our customer service evaluation includes Google reviews, J.D. Power scores, AM Best financial ratings, and consumer feedback from Reddit discussions. We check these different sources to see how companies really perform for their customers.
• Coverage options (10% of score): We evaluate the breadth and depth of available coverage types, examining both the quantity of options and the distinctiveness of specialized benefits or unique features each provider offers.

Learn more about MoneyGeek's car insurance methodology.