Cheapest SR-22 Car Insurance in Illinois (August 2024)

An SR-22 isn't car insurance but a certificate of financial responsibility you might need after a driving violation. You or your insurer files it to prove you have liability coverage. Though the form doesn’t raise your rates, the violations requiring an SR-22 can increase your premiums.

Mercury offers the cheapest SR-22 minimum coverage at $411 per year, followed by American Family at $485 annually. For non-owner SR-22 insurance, Auto-Owners is the most affordable at $319 per year, followed by State Farm at $383 annually.

The cheapest companies for minimum coverage auto insurance with an SR-22 in Illinois are:

• Mercury: $34 per month; $411 per year
• American Family: $40 per month; $485 per year

The least expensive providers for full coverage car insurance with an SR-22 in Illinois are:

• American Family: $72 per month; $870 per year
• Country Financial: $111 per month; $1,333 per year

Expect to pay more for car insurance after a driving violation. However, by comparing quotes, you can find cheap SR-22 car insurance.

The companies with the cheapest non-owner SR-22 insurance in Illinois are:

• Auto-Owners: $27 per month; $319 per year
• State Farm: $32 per month; $383 per year

Non-owner car insurance fulfills the state minimum coverage requirements for those who don't own a vehicle but need to file an SR-22 due to reasons like license suspension, revocation or severe traffic violations. Finding the most affordable provider for non-owner drivers ensures they're covered without overpaying.

An SR-22 is a certificate that proves you have the required car insurance in Illinois. It's not insurance but confirms you meet the state's minimum coverage. If you have a DUI, drove without insurance or had serious traffic violations, you'll need an SR-22 for three years. Your insurer must notify the state if your SR-22 lapses or is canceled.

An SR-22 confirms you carry these minimum car insurance requirements in Illinois:

• $25,000 for bodily injury liability per person
• $50,000 for bodily injury liability per accident
• $20,000 for property damage liability per accident
• $25,000 uninsured motorist bodily injury per person
• $50,000 uninsured motorist bodily injury per accident

If you don't own a vehicle, you'll need SR-22 non-owner car insurance. Remember, an insurance card can't replace an SR-22.

If you’ve had a DUI or serious traffic violation in Illinois, you or your insurance company must file an SR-22. This form proves you have the minimum auto insurance required to keep your license. The SR-22 is not insurance but a document your insurer sends to the state. You’ll need it for three years after certain violations, such as driving without insurance. Offenses that need an SR-22 include:

Having an SR-22 in Illinois can lead to more than just higher rates and limited coverage options. You might find insurers denying you coverage or canceling your policy. Keep your insurance active; any gap could reset the three years for carrying an SR-22. Understanding the consequences of not filing an SR-22 is just as important, as it can lead to legal penalties and further complications with your driving privileges.

Below is the list of ways an SR-22 negatively impacts your car insurance:

The average cost of SR-22 car insurance in Illinois for drivers with a DUI is $1,917 annually for full coverage and $815 for minimum coverage. Drivers with a clean record pay $1,193 for full coverage and $482 for minimum coverage. This highlights the high impact of a DUI on insurance rates.

The SR-22 form itself doesn’t increase rates; it's the DUI that does. Repeat offenders or those with severe violations might face non-renewal or higher rates upon renewal.

Filing an SR-22 in Illinois is essential after certain violations, such as a DUI. It involves a mandatory three-year period of maintaining minimum coverage. Failure to file can result in severe penalties, including license suspension.

Here are the steps to file an SR-22 in Illinois:

If your SR-22 in Illinois lapses, your driving rights to be suspended again. Keeping this certificate is key after certain traffic offenses, like DUIs. You must get a new SR-22 to restore your license.

A DUI can increase your car insurance premiums. For a driver aged 30 to 59 with a clean record in Illinois, the average annual premium for minimum coverage is $482. With a DUI, the cost rises to $815.

If you need an SR-22, consider minimum coverage options, which are a cheaper way to get car insurance after a DUI and keep you driving legally.

Finding affordable SR-22 insurance can be challenging. Get answers to common questions about SR-22 car insurance options in Illinois.