In Illinois, an SR-22 is a certifying document filed by your insurance provider on your behalf. It proves that you carry at least the state-mandated minimum level of auto insurance coverage. Illinois drivers need to apply for an SR-22 to get their license reinstated after being convicted of severe driving violations, like a DUI. SR-22 insurance is not a distinct policy from standard car insurance, but drivers who need SR-22 forms will pay much higher rates. In Illinois, Mercury offers the most affordable rates at an average of $486 per year.
Illinois SR-22 Insurance: What It Is and How Much It Costs
Which Illinois Insurance Companies Offer the Cheapest SR-22 Insurance?
SR-22 insurance is costlier than a typical policy, mainly because of the severity of the offense. In Illinois, auto insurance plans cost an average of $1,149 per year with an SR-22 for a DUI offense, compared to around $570 for drivers with clean records.
Mercury is the cheapest provider for SR-22 insurance in Illinois, with average annual rates of $486 for state minimum coverage for a driver with a DUI.
Cheapest Companies for SR-22 Insurance in Illinois
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These are average annual rates for a policy meeting the Illinois minimum car insurance requirements or a full-coverage policy covering $100,000 in bodily injury liability costs per person, $300,000 for injuries per accident and $100,000 in property damage costs.
Beyond the prices given here, other factors also play a role in the cost of SR-22 insurance in Illinois. If you have an SR-22 filing and want the cheapest premiums, you should compare quotes from at least three auto insurance providers.
Drivers need to pay a one-time filing cost of about $25 for their SR-22 forms.
If you were previously getting good driver discounts, you’d become ineligible for them, which makes SR-22 insurance even more costly.
The cost of SR-22 insurance in Illinois depends on the severity of your offense. For example, a hit-and-run violation is worse than a DUI.
What Is SR-22 Insurance in Illinois? Who Needs It? How Do You Get It?
An SR-22 is a digital or paper form an insurance provider submits on your behalf to the government. This form certifies that your car insurance policy meets Illinois' minimum liability insurance mandate. Drivers who have committed a serious violation, such as driving without insurance or a DUI, usually need SR-22 coverage. Car insurance after a DUI can be costly since a DUI is a severe violation.
When you request an SR-22 — either with your current insurer or a new insurance company — your insurer will file proof to the Illinois Department of State that you have adequate insurance.
The SR-22 form filed by your insurer on your behalf to the government will provide certification that you meet the minimum car insurance requirements for Illinois, which are:
- $25,000 bodily injury liability per person
- $50,000 bodily injury liability per accident
- $20,000 property damage liability per accident
- $25,000 uninsured motorist coverage per person
- $50,000 uninsured motorist coverage per accident
Who Needs SR-22 Insurance in Illinois? And for How Long Do They Need It?
The traffic offenses that can result in an SR-22 insurance requirement vary from state to state. You’ll need SR-22 insurance coverage in Illinois and elsewhere if you commit a severe violation, such as driving with a suspended license, driving without insurance coverage, reckless driving or DUI. If you are looking for insurance after an accident or ticket, compare prices from several companies,
The period you need to have SR-22 insurance coverage in Illinois depends on your offense, but it is three years in most cases.
How Do You Get SR-22 Insurance in Illinois?
You can ask your insurance provider to file an SR-22 form with the state. But since a serious conviction places a driver in the high-risk category, some insurers may not be willing to cover you. Check with your insurer to see if they offer insurance for high-risk drivers. If they don’t, you’ll need to look elsewhere.
Non-Owner SR-22 Insurance in Illinois
There’s a possibility that your license will get suspended if you commit a major driving violation in Illinois, such as driving under the influence. You’ll need to pay fines and potentially file for SR-22 insurance to prove you have insurance in order to get it reinstated.
If you only drive a car borrowed from your family or friends, getting a traditional auto insurance policy might not be the most logical move. You can purchase a non-owner car insurance policy instead of a regular policy. This provides you with liability insurance coverage at a lower rate and allows you to show that you have insurance.
If you need to file an SR-22 in Illinois, you can buy a non-owner car insurance policy for $846 per year on average. Given the wide range of policy prices between carriers, it’s best to compare quotes. On average, the insurer with the cheapest rate is State Farm, which offers non-owner car insurance for roughly $412 per year. Coming in second is USAA. They offer a policy with similar coverage costing $468 a year on average, but this is only available to current and former military and their families.
The Average Cost of Non-Owner SR-22 Car Insurance in Illinois
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The prices are for drivers in Illinois with a DUI on their driving record looking for policies that protect against the cost of damages, including medical bills up to $50,000 per person, $100,000 in bodily injuries per accident and $50,000 in property damage.
FAQs About SR-22 Insurance in Illinois
Drivers looking for SR-22 insurance in Illinois typically have questions about the filing process, where to purchase a policy, pricing and more. To help you select the right coverage, here are the answers to a few commonly asked questions about SR-22 insurance in Illinois.
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MoneyGeek analyzed car insurance premiums from 14 of the top insurance companies in Illinois that were provided in partnership with Quadrant. Our analysis includes quotes from ZIP codes across Illinois. Quotes were gathered for policies that meet the state’s minimum coverage requirements and for full-coverage policies with $100,000 in bodily injury liability insurance per person, $300,000 in bodily injury liability insurance per accident and $100,000 in property damage liability per accident. Rates are for the same driver with both a clean record and a DUI.
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