Cheapest SR-22 Car Insurance in Illinois (2024)

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, a certificate of financial responsibility, is necessary following a severe driving offense, such as a DUI or reckless driving.

While the SR-22 form itself doesn't impact rates, most violations requiring an SR-22 will lead to a substantial premium increase for three to five years on average, potentially 100% or more than a driver with a clean record. Whether you own a car or not, affordable car insurance choices are available in Illinois for drivers required to file an SR-22.

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.

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 and other serious driving offenses such as reckless driving
• 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 three consecutive 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.

Under state law, auto insurance providers must submit the SR-22 form on behalf of their policyholders to the Illinois Secretary of State. MoneyGeek is here to help you understand the ins and outs of SR-22 car insurance.

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, with rates ranging from $319 to $646 per year.

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. A minor infraction like a speeding ticket could also lead to you needing to file an SR-22 if you already have multiple speeding tickets or multiple at-fault accidents, which will increase your car insurance premium.

An SR-22 can cause your annual insurance premium to increase by around $263 for three to five years via a policy surcharge. 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 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.

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.

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.

Following a DUI conviction, you’ll typically face higher costs for three to five years 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. You may also get discounts through some auto insurance providers, such as for bundling your auto policy with home or renters insurance, paying in full or for paperless billing.

While the premium may be more expensive, having auto insurance is essential to ensure your protection and that of others while you’re on the road.

Here are MoneyGeek’s answers to some frequently asked questions regarding SR-22 car insurance in Illinois.