120+ more*Quotes generated for Insurify users from Illinois within the last 10 days. Last updated on September 5, 2026. 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 September 5, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
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AFCPE Accredited Financial Counselor
6 years experience in the personal financial industry
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Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
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Media relations director for Insurance Information Institute
20+ years in insurance and communications
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Updated
An SR-22 isn’t a type of insurance. It’s a certificate of financial responsibility that the state requires you to file after certain driving violations.
Illinois drivers with an SR-22 insurance pay an average of $100 per month for state-minimum coverage.
Auto-Owners offers the lowest rates for Illinois drivers with an SR-22 requirement.
An SR-22 is a form proving you have the minimum required insurance coverage in Illinois. The state usually requires you to file an SR-22 after a serious driving violation. Your insurance company files it with the Illinois Secretary of State (ILSOS) on your behalf. You usually need to maintain an SR-22 for three years.
Illinois’ minimum insurance requirements include $25,000 per person and $50,000 per accident of bodily injury liability coverage, as well as $20,000 of property damage liability coverage. You also need uninsured motorist coverage in the same amount as your bodily injury liability limits.[1]
You typically need to pay a filing fee for an SR-22, but the ILSOS doesn’t list a cost. Ask your insurance company about any potential fees.
SR-22 Insurance | Illinois Requirement |
|---|---|
| Minimum liability limit |
|
| Filing fee | Speak with your insurance company |
| Time requirement | Three years |
| Processing time | Up to 30 days |
Compare rates in the Prairie State, starting at an average of $50 per month
Drivers with an SR-22 requirement typically pay more for car insurance because insurers consider them riskier to insure.
The average car insurance cost for Illinois drivers with an SR-22 insurance is $100 per month for liability-only coverage and $196 per month for full coverage. For comparison, Illinois drivers with clean driving records pay an average of $83 per month for liability coverage and $162 per month for full coverage.
An SR-22 filing in Illinois doesn’t directly affect your car insurance rate. It’s typically the violation that led to the filing requirement, such as a driving under the influence (DUI) conviction, that increases your rates.
Your specific auto rate can also vary depending on factors like the severity of the violation, your driving record, and your insurer. The table below shows average monthly car insurance costs for drivers with a clean record and drivers with an SR-22 requirement.
Driver Profile | Average Monthly Cost: Liability Only | Average Monthly Cost: Full Coverage |
|---|---|---|
| Clean record | $83 | $162 |
| With SR-22 | $100 | $196 |
The cheapest insurance company for Illinois drivers with an SR-22 is Auto-Owners. The company’s liability rates average $50 per month.
The table below shows the cheapest insurers in Illinois for SR-22 coverage.
Insurance Company | Liability Only | Full Coverage |
|---|---|---|
| Auto-Owners | $50 | $90 |
| State Farm | $54 | $97 |
| Certainly | $71 | $198 |
| Country Financial | $75 | $136 |
| Progressive | $75 | $142 |
| Direct Auto | $77 | $160 |
| The General | $77 | $204 |
| GEICO | $80 | $151 |
| Allstate | $81 | $169 |
| Erie | $82 | $148 |
| First Chicago | $83 | $206 |
| USAA | $87 | $157 |
| GAINSCO | $92 | $246 |
| Safeco | $92 | $143 |
| American Family | $94 | $171 |
| Bristol West | $99 | $225 |
| Mercury | $99 | $168 |
| National General | $99 | $195 |
| Freedom National | $108 | $232 |
| Elephant | $113 | $198 |
| Clearcover | $115 | $224 |
| First Acceptance | $116 | $284 |
| Dairyland | $119 | $309 |
| Travelers | $120 | $215 |
| Farmers | $127 | $231 |
| Root | $129 | $206 |
| Liberty Mutual | $132 | $214 |
| Mendota | $138 | $271 |
| State Auto | $168 | $304 |
Common reasons Illinois drivers may need SR-22 insurance include:
Causing an accident while uninsured
Failure to pay court-ordered debt related to an accident
License revocations
Receiving three or more insurance violation convictions
If your insurer cancels your SR-22 coverage or you let it lapse, your insurer must notify the state. ILSOS will suspend your license until you re-file an SR-22.[2]
Once your insurer files the SR-22, it may take up to 30 days to process. You usually need to maintain an SR-22 for three years.
If you need an SR-22 certificate in Illinois, follow the steps below.
Compare insurance companies. Check SR-22 insurance quotes, coverage options, and available discounts. Comparing rates from multiple insurers can help you find the best price for your coverage. You should also make sure the insurer you choose will file an SR-22, as not every insurer offers it.
Pay your premium and any filing fees. Once you pick a company, pay your first month’s premium. You also usually need to pay a fee to file an SR-22.
Have your insurer file the SR-22. Make sure the insurance company has authorization to file SR-22s in Illinois. The company must submit the SR-22 on a financial responsibility certificate from the insurer’s home office.
Get quotes from Illinois’ top insurers and get the best price for your coverage
Drivers in Illinois typically need to maintain SR-22 insurance for three years. Cancellation or non-renewal may result in license suspension until you re-file the SR-22. Verify that your insurer can file SR-22s, and wait 30 days for processing.
Explore common questions about SR-22 insurance in Illinois below.
The Illinois Secretary of State’s website doesn’t explicitly mention a state-imposed SR-22 filing fee. Ask your insurance company if it charges a separate fee.
Illinois drivers with an SR-22 requirement pay an average of $149 per month for car insurance in Illinois. You also usually need to pay a filing fee. Insurers charge higher rates for drivers with SR-22s because they’re riskier to insure.
You can find cheap SR-22 insurance in Illinois by requesting quotes from multiple insurers. Opting for minimum liability coverage can also help you save money. But it may end up costing you more if you’re in an accident because it doesn’t cover your damages or injuries.
To respond to an ILIVS (Illinois Insurance Verification System) notice, ask your insurer to submit your insurance information via the ILIVS website. Failing to do so can mean fines and registration suspension. If you have questions about your notice, call the state’s information line at 1 (800) 252-8980.
Insurify data scientists analyzed more than 250 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 500+ 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:
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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AFCPE Accredited Financial Counselor
6 years experience in the personal financial industry
Featured in
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Featured in
Media relations director for Insurance Information Institute
20+ years in insurance and communications
Impartial, independent expert
At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.
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