Cheapest SR-22 Car Insurance in Illinois

Travelers offers Illinois's most affordable SR-22 insurance at $1,130 for minimum coverage and $1,997 for full coverage. The minimum rate is $1,007 below the statewide average of $2,138, making Travelers about 47% cheaper than typical SR-22 prices in Illinois.

Auto-Owners, the most expensive on our list, costs $1,332 for minimum coverage, actually 38% below the state average but $202 more than Travelers. Even a couple hundred dollars can make a difference when managing SR-22 costs.

The table below shows the five companies with the lowest SR-22 insurance rates in Illinois.

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

Travelers most frequently wins categories statewide. The cheapest category is Drivers With Other Violations, at $702 for minimum coverage SR-22 insurance with GEICO, while the most expensive is Senior Drivers With a Suspension, at $1,284 with Travelers. The $582 spread demonstrates how suspension violations increase premiums across all age groups.

Expect your pricing to change based on your specific violation and how long it remains on your driving record.

* 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.

Urbana offers the lowest minimum coverage SR-22 rate at $851 (GEICO), while Elmwood Park averages $1,315 (Travelers). The $464 difference equals about 55% higher in the Chicago suburb, consistent with larger metro driving risks.

Local traffic density, claim activity, and repair costs are key inputs insurers use to set city-level SR-22 rates in Illinois.

* 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.

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.