Cheapest SR-22 InsuranceIllinoisCheapest SR-22 Car Insurance in Illinois (2023)
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Mercury is the cheapest for minimum coverage at $338 per year, while American Family offers the most affordable provider of full coverage SR-22 insurance in Illinois. Auto-Owners and State Farm provide the most reasonable rates for SR-22 car insurance for non-car owners at $319 and $383 per year, respectively. Filing an SR-22 in Illinois is necessary following a severe driving offense such as a DUI.
While the SR-22 form itself doesn't impact rates, most violations requiring an SR-22 will lead to substantial premium increases. Whether you own a car or not, affordable car insurance choices are available in Illinois.
Cheapest SR-22 InsuranceIllinoisCheapest Companies for SR-22 Car Insurance in Illinois
Cheapest for SR-22 - Mercury
Cheapest for Non-Owner SR-22 - Auto-Owners and American National
Cheapest Companies for SR-22 Car Insurance in Illinois
These are the two most affordable providers for Illinois drivers with DUIs on their records who require minimum coverage SR-22 auto insurance:
- Mercury: $338 per year
- State Farm: $353 per year
In terms of full coverage SR-22 policies, the cheapest options in Illinois are:
- American Family: $844 per year
- State Farm: $895 per year
After a driving offense, insurance premiums typically increase substantially because the insured is perceived as a higher-risk driver with a greater likelihood of filing claims. Nonetheless, it’s still possible to find affordable insurance by comparing rates. When searching for affordable SR-22 car insurance coverage in Illinois, consider these top choices with annual rates ranging from $338 to $895.
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What Is SR-22 in Illinois?
Committing certain traffic violations may require obtaining an SR-22, which serves as proof of financial responsibility. While state regulations may vary, some situations that may require an SR-22 filing include:
- DUI, DWI or other serious driving offenses
- Multiple driving violations within a short period
- Driving without insurance
- Involvement in an accident without sufficient insurance coverage
- Restoring a suspended or revoked license
In Illinois, drivers required to have an SR-22 must keep it on file for up to three years. Renewals for the SR-22 must be completed at least 45 days before the expiration date to ensure continuous compliance with the state's requirements. The duration may vary based on the severity of the offense, and drivers with repeated violations should expect to have longer SR-22 filing periods.
Under state law, auto insurance providers must submit the SR-22 form on behalf of their policyholders to Illinois's DMV. MoneyGeek is here to help you understand the ins and outs of SR-22 car insurance.
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After you've completed the terms of your financial responsibility requirement in Illinois, your insurance provider must submit a Financial Responsibility Cancellation Form or an SR-26. This form proves that you've fulfilled the requirements and are released from the obligation to maintain the specific financial responsibility filing, such as an SR-22.
Cheapest Companies for Non-Owner SR-22 Car Insurance in Illinois
Below are the insurers offering the most affordable SR-22 non-owner car insurance in Illinois:
- Auto-Owners: $319 per year
- State Farm: $383 per year
We highly recommend USAA for drivers with military affiliations due to its affordable rates, averaging $502 per year.
Drivers who do not own a car may be required to file an SR-22 if their license was revoked or suspended or if they have been convicted of a DUI or another serious traffic violation. Non-owner car insurance can help you reinstate your license and ensure compliance with legal requirements. MoneyGeek’s extensive analysis of rates from various non-owner SR-22 car insurance providers in Illinois has identified the cheapest alternatives, with rates ranging from $319 to $646 per year.
WHAT IS NON-OWNER CAR INSURANCE?
Non-owner car insurance offers protection for third-party bodily injuries and property damage, but it won’t cover damages to your own vehicle or injuries sustained by you or your passengers. Non-owner liability insurance tends to be more affordable than standard auto insurance. Drivers who use rental cars, those who work for ridesharing companies and drivers with a DUI may need this type of insurance. To assist you in finding the lowest rates, MoneyGeek conducted a thorough analysis of the cheapest non-owner car insurance rates in Illinois.
Average Cost of SR-22 Car Insurance in Illinois
For individuals with a DUI, the average annual cost of SR-22 insurance in Illinois amounts to $646 for minimum coverage and $1,475 for full coverage. Certain driving offenses, even minor ones such as speeding or at-fault accidents, may necessitate filing an SR-22, which can increase your car insurance premium.
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Don't forget to compare insurance rates yearly or when renewing your SR-22 coverage in Illinois to make sure you're still getting the lowest SR-22 rates available. By staying proactive and comparing the latest rates, you can get the best possible deal and save a significant amount of money.
How SR-22 Affects Car Insurance Rates in Illinois
An SR-22 can cause your annual insurance premium to increase by around $263. The actual rate changes can be affected by several factors, including the severity of the offense, the coverage levels you choose and your driving history.
You might need to file an SR-22 for various reasons, such as having DUI or DWI charges, driving without adequate insurance, failing to meet court-ordered child support payments or having multiple traffic violations on your record. It’s essential to stay informed about these factors and their potential impact on your insurance rates.
Car Insurance Rate Comparison Based on Driving Records in Illinois
Clean Driving Record
Annual Premium for Minimum Coverage
$383
After a DUI
Annual Premium for Minimum Coverage
$646Car insurance premiums after a DUI are on average:$263 more
This is 69% more expensive.
Other Effects of SR-22 on Car Insurance in Illinois
Apart from an increase in premiums, there are other potential implications associated with filing an SR-22 in Illinois. Below are some possible negative effects of needing to submit this document.
1
Limited number of insurance options
Filing an SR-22 often results in insurance companies perceiving you as a high-risk driver, which can have several consequences. One of the main effects is that providers may be less willing to offer you coverage compared to drivers with a clean record.
2
Possible policy cancellation
Your current insurance provider can terminate the remaining period of your policy if you commit a violation that requires you to file an SR-22 form.
3
Length of required filing
In Illinois, you are required to maintain an SR-22 for a minimum of 36 months. However, if there was a lapse in coverage or if you were involved in a severe offense, such as being at fault in a fatal accident, the duration may extend up to five years.
4
Higher liability coverage limits
In Illinois, filing an SR-22 does not require increased liability coverage limits. The state law mandates specific minimum liability coverage limits that need to be maintained regardless of whether an SR-22 is filed or not. These include:
- $25,000 in bodily injury liability per person
- $50,000 in bodily injury liability per accident
- $20,000 in property damage liability per person
- $25,000 in uninsured/underinsured motorist insurance per person
- $50,000 in uninsured/underinsured motorist insurance per accident
5
Filing fees
You may also need to pay a one-time SR-22 filing fee in some states, which ranges from $15 to $50.
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How to Get SR-22 Insurance in Illinois
To secure auto insurance after a traffic violation, you should follow these steps:
- Find an insurance provider that caters to drivers with a history of violations.
- Buy an insurance policy that meets the minimum liability requirements in Illinois.
- Request your provider to submit an SR-22 form, serving as evidence of financial responsibility, on your behalf.
- Pay any necessary fees and ensure that your SR-22 form remains current.
By following this process, you can demonstrate your commitment to being accountable for your driving history and maintaining sufficient insurance coverage.
ILLINOIS LICENSE REINSTATEMENT FEE
In Illinois, the fee for reinstating your license after an SR-22 filing varies based on your number of suspensions. Each traffic-related suspension carries a reinstatement fee of $70, while DUI-related suspensions have a higher fee of $250 for the first offense and $500 for each subsequent suspension. Note that these fees are subject to change, so it's best to consult your local DMV for the latest information.
How to Get Cheaper Car Insurance in Illinois After a DUI
Following a DUI conviction, you’ll typically face higher costs due to the increased risk perceived by insurers. However, there are still opportunities to find more affordable SR-22 car insurance by comparing quotes from various providers and fulfilling specific requirements, like completing an accredited alcohol education program. While the premiums may be more expensive, having auto insurance is essential to ensure your protection and that of others while you’re on the road.
Compare quotes immediately
Comparing car insurance options is crucial after a DUI, as it allows you to find the most favorable rates for your situation. Each insurance provider has its own underwriting criteria and risk evaluations, resulting in varying premium offers. By obtaining quotes from multiple providers and studying their coverage options, you can save money by selecting the insurance policy that offers the most affordable rates.
Complete DUI classes or programs
Drivers with a DUI may be required to complete DUI classes or driver’s education programs before their license can be reinstated. These courses provide valuable insights and strategies to prevent drunk driving incidents in the future, allowing you to become a safer driver. Completing a DUI program can also make you eligible for reduced insurance rates, as it demonstrates your commitment to being a more responsible driver.
Look for discounts
Some auto insurance companies provide discounts to policyholders who fulfill certain requirements, such as completing a defensive driving course, installing a vehicle tracking device or maintaining a clean driving record. Consult your insurance provider directly to determine if you qualify for any discounts and explore opportunities to lower your premiums.
Practice safe driving
Safe driving is one of the most effective ways to find more affordable car insurance after a DUI. Maintaining a clean record and avoiding further traffic violations, such as speeding or reckless driving, demonstrate to insurance companies that you are committed to responsible driving behavior.
Shop rates over time
It's always a good idea to periodically review your car insurance policy, even if you already have an affordable one. By regularly shopping around and comparing rates, you can see if better deals are available. As you demonstrate responsible and safe driving habits over time, you may become eligible for lower rates with different insurance providers.
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Non-standard auto insurance is designed for high-risk drivers with a history of DUI or at-fault accidents. While it typically carries higher rates than standard insurance, it offers coverage options for drivers who may struggle to find insurance elsewhere, making it a practical solution for those needing specialized coverage.
Frequently Asked Questions About SR-22 Insurance in Illinois
Here are MoneyGeek’s answers to some frequently asked questions regarding SR-22 car insurance in Illinois.
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