8+ years writing for major outlets, including MarketWatch and Business Insider
Master’s in Education
Taylor Mlam-Samuel is a personal finance writer and credentialed educator. When she’s not helping readers better save and spend money, she can be found teaching.
3+ years experience in insurance and personal finance editing
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
Mark FriedlanderDirector, Corporate Communications, Triple-I
Corporate communications director for Insurance Information Institute
20+ years in insurance and communications
As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.
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Cheapest recent rates in Illinois for drivers with an SR-22
Recent Illinois car insurance prices for Hyundai, Nissan, Cadillac , and more.
*Quotes generated for Insurify users from Illinois within the last 10 days. Last updated on December 19, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from December 19, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users from Illinois within the last 10 days. Last updated on December 19, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from December 19, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
SR-22 forms serve as proof of financial responsibility.Illinois requires drivers with serious violations, like driving under the influence or repeat offenses, to file SR-22 coverage. Your insurance company will submit the SR-22 form to the state on your behalf. The form proves that you have adequate insurance.[1]
Here’s what you need to know about SR-22 insurance in Illinois, including how to compare quotes and maintain affordable auto insurance.
Quick Facts
You’ll typically have to pay a small fee to have your insurer file an SR-22 form, and your insurance costs will likely increase due to the violation that caused you to need an SR-22.
Drivers in Illinois who need SR-22 insurance must carry the form for three years after the initial violation or court order.
Most insurance companies in Illinois offer SR-22 insurance policies.
Cheapest companies for SR-22 insurance in Illinois
Illinois requires SR-22s for high-risk drivers with past violations like driving under the influence, driving without a license, or repeat at-fault accidents. Your car insurance costs will likely increase if you need SR-22 insurance due to a serious driving violation. The form indicates to your insurer that you’re riskier to insure, which increases rates.[2]
Even though you’ll likely pay higher average premiums, you can still find a good deal on SR-22 car insurance. The following companies offer the most competitive prices in Illinois for drivers with an SR-22.
The below rates are estimated rates current as of: Sunday, December 1 at 11:00 AM PST.
Insurance Company
▲▼
Liability Only
▲▼
Full Coverage
▲▼
Auto-Owners
$39
$69
State Farm
$41
$74
Progressive
$46
$145
GEICO
$56
$99
Mile Auto
$56
$87
COUNTRY Financial
$58
$104
Erie
$63
$114
USAA
$68
$121
American Family
$73
$131
Direct Auto
$77
$167
Mercury
$80
$143
Nationwide
$86
$154
Clearcover
$86
$132
Travelers
$92
$166
National General
$97
$212
Farmers
$98
$177
Allstate
$103
$185
Safeco
$105
$168
GAINSCO
$114
$292
The General
$116
$283
Bristol West
$120
$301
Dairyland
$120
$298
Elephant
$120
$209
State Auto
$129
$232
Foremost
$169
$409
Liberty Mutual
$174
$321
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
What is SR-22 insurance in Illinois?
An SR-22 is a certificate of financial responsibility. It proves that you have car insurance that meets the minimum state requirements, including property damage and bodily injury liability coverage. Your insurer must file the form on your behalf; you can’t submit it yourself.
Illinois requires SR-22 insurance for some people following serious driving violations. Drivers who need the form must work with an issuer that has power of attorney in the state. Many insurance companies can file the SR-22 for you, but you should check with your current or prospective insurer before finalizing coverage.
If you ever cancel coverage or forget to pay, your insurer must immediately notify the state. The state will then suspend your driving record, which means you can’t drive.
Good to Know
An SR-22 form is inexpensive to file. But the reason you need the form — the violation or offense — typically increases the cost of coverage. Even if you had a violation and didn’t need the form, you’d still pay more for insurance than someone with a clean driving record.
Difference between SR-22 and FR-44
SR-22 and FR-44 forms are certificates of financial responsibility that prove to the state that drivers with high-risk violations have adequate car insurance coverage. Drivers in Illinois don’t need FR-44 insurance. Florida and Virginia are the only states that require drivers to file FR-44 forms instead of SR-22s.
Another difference between the forms is that Florida and Virginia usually require FR-44 insurance for more serious offenses, like DUIs with high blood alcohol levels. If you need an FR-44 form, you may also need additional coverage that extends beyond the state’s minimum insurance requirements.[3]
A judge or the state determines who needs to file the forms, so it won’t be a surprise if you need an FR-44 or SR-22 form. You’ll receive notice of the requirement through a court order or a letter from the state.
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When you need SR-22 insurance
You need SR-22 insurance when you receive a court order from a judge or notice from the state. The insurance form is only necessary for drivers with high-risk violations, like driving under the influence or driving without a license. You don’t need it for minor offenses like running a red light or a single at-fault accident.
Here are the most common reasons that drivers in Illinois need SR-22 insurance:
DUI or DWI
Driving without minimum insurance coverage
Repeat at-fault accidents
Repeat traffic tickets
Driving with a suspended license
Driving without insurance
Careless or reckless driving
How to get SR-22 insurance in Illinois
Most insurers in Illinois offer SR-22 insurance, but you need to confirm with an insurance agent before finalizing coverage. Buying coverage with a past serious driving violation on your record can be expensive, so it’s crucial to compare quotes to find the best deal.
Here’s how to set up SR-22 insurance in Illinois:
1. Confirm that you need SR-22 coverage
The Illinois Department of Motor Vehicles (DMV) or a judge will inform you about coverage requirements. Make sure you understand how to meet them.
2. Shop for the best deal
Compare quotes from at least three insurance companies to find the best deal. Inform each company that you need SR-22 insurance and ask about the company’s process of filing the form. More experienced companies can make the process easier.
3. Finalize coverage
Pick the best company and move forward with finalizing an auto insurance policy. Confirm that the insurance amounts meet the requirements for SR-22 insurance.
4. Request the SR-22 form
Ask your insurer to file the SR-22 form on your behalf.
5. Confirm your status
The state government can take up to 30 days to process the document. Once it’s complete, you should receive a copy of the SR-22 form from your insurance company and an official letter from the Illinois Secretary of State.
6. Maintain coverage
Stay current on your insurance payments and coverage while you need SR-22 insurance. Confirm that your insurer files the form every year.
How long Illinois requires SR-22 insurance
Drivers in Illinois who need an SR-22 certificate must maintain it for three years. The state will suspend your driving record if you don’t successfully maintain it, if you cancel the policy, or you have a lapse in coverage during that period. You can’t drive during the suspension, and it’ll remain in effect until you reinstate the insurance policy.
The state of Illinois also offers drivers an alternative to SR-22 insurance. You can meet the requirement for financial responsibility by depositing $70,000 in cash or securities at the Illinois State Treasurer.
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How SR-22 insurance affects driving record and future rates in Illinois
Drivers who need SR-22 insurance will likely pay more for coverage because of what leads to the form requirement. The fact that you have a serious violation on your record increases the cost of coverage — not the form itself.
Even though you’ll likely pay more for car insurance, you can do some things to find affordable coverage:[4]
Maintain SR-22 coverage. You must maintain SR-22 coverage for three years in Illinois. Ask your insurer to complete the form, and ensure it’s up-to-date each year. You’ll receive a copy of the SR-22 form from your insurance company and a letter from the Secretary of State to confirm coverage. Keep a record of your coverage and follow the requirements.
Compare rates. Get quotesfrom at least three insurance companies before finalizing coverage. Rates can vary by hundreds of dollars, especially for people who need SR-22 insurance. You want to find an insurance company with affordable rates and experience filing the form.
Take advantage of discounts. Insurance companies offer discountsto help lower the cost of coverage. Even if you need SR-22 insurance, you can still qualify for discounts. Ask about discounts and consider if you might be eligible due to your employer or age.
Increase your deductible. Raising your deductible lowers your monthly premium. It’s a straightforward way to lower your insurance costs. But you need to make sure you can afford thehigher deductibleif you have to file a claim.
Illinois SR-22 insurance FAQs
Navigating SR-22 insurance and requirements can be challenging if you don’t understand the requirements. Here are answers to common questions about SR-22 insurance in Illinois.
How do you know if you need an SR-22 or FR-44?
A judge or the state department will notify you if you need SR-22 insurance in Illinois. You’ll receive a letter or a court order from a judge informing you about the requirement. If you have a serious violation on your record, pay attention to communication from the state, including court summons.
Are there any fees with SR-22 insurance?
Yes. You must pay a fee to file the SR-22 form. Your insurance company will usually pay the fee and notify you of the cost. You’ll also pay more for coverage once you need SR-22 insurance due to the driving violation that triggered the coverage requirement.
How much do car insurance rates increase after filing an SR-22?
SR-22 car insurance policies are more expensive than policies without an SR-22 requirement. The exact cost of coverage depends on your driving record, location, age, and other factors. But overall, you’ll pay more once you need SR-22 insurance because of the violation leading to the requirement.
How long do you have to hold an SR-22 in Illinois?
You must maintain SR-22 insurance for three years in Illinois. Your insurer must file the form every year during that period. If you have a lapse in coverage or cancel your policy, the state of Illinois will suspend your driver’s license.
How do you get rid of an SR-22 in Illinois?
You must have SR-22 insurance coverage for three years to get rid of it. Once you meet the requirements, you can request the removal of SR-22 coverage through your insurance company.
What happens to your SR-22 in Illinois if you move?
If you move out of Illinois, you can submit an Out-of-State Affidavit/Financial Responsibility Waiver. The form states that you no longer live in the state and requests that you no longer need to file an SR-22 form in Illinois for your motor vehicle.
If you move back to Illinois within three years from acceptance of the insurance waiver, you must reinstate SR-22 insurance. You also need to confirm coverage requirements in your new state.
Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
Property damage limits between $10,000 and $50,000
No additional coverage
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
Comprehensive coverage with a $1,000 deductible
Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
Taylor Milam-Samuel is a writer and credentialed educator who is fascinated by how people earn, save, and spend their money. When she's not researching financial terms and conditions, she can be found in the classroom teaching.
Taylor has been a contributor at Insurify since February 2023.
Edited byKatie PowersAuto and Life Insurance Editor
Katie PowersAuto and Life Insurance Editor
Licensed auto and home insurance agent
3+ years experience in insurance and personal finance editing
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
Mark FriedlanderDirector, Corporate Communications, Triple-I
Corporate communications director for Insurance Information Institute
20+ years in insurance and communications
As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.
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