Get Back on the Road Fast with SR-22 in Illinois

What is SR-22 insurance? 

So, what is SR-22 insurance in Illinois? Even though it may be commonly referred to as insurance, an SR-22 is not an insurance policy at all; SR-22 is actually a certificate of financial responsibility that can help prove you’re carrying your state’s minimum required auto insurance. If your license was suspended due to a DUI or from accumulating traffic tickets, you may be required to file for an SR-22 to reinstate or keep your license. 

Though it may seem daunting, Illinois Vehicle we can help you find cheap SR-22 insurance in Illinois that works for you as well as assist you with filing your SR-22 today. 

SR-22 filing process in Illinois 

Filing for an SR-22 might sound complicated, but our agents can help guide you through the process. Here’s a brief overview of the SR-22 filing process in Illinois that may assist you: 

• Get a quote: You may want to contact Illinois Vehicle for an insurance quote first. Typically, you will be asked to provide a few details about your situation like your violations, driving history, and car information. 
• Choose a policy: You may have to select between an owner (you drive your own car) or non-owner (you don’t own a car but still need to drive legally) policy. If you don’t own your own vehicle, you can still get a non-owner SR-22.  
• File your SR-22: Our agents can help you e-file your SR-22 directly to the Illinois Secretary of State. By working with Illinois Vehicle, you may be able to receive digital proof the same day you file, once payment is issued. 

How do I get SR-22 insurance in Illinois? 

So now that you know some steps of obtaining an SR-22, how do you get one in Illinois? You can jumpstart the process by heading to our website, call us, or stop by one of our Chicagoland locations. We can help statewide clients file for their SR-22. 

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How long do I need to carry SR-22 in Illinois? 

Typically, drivers who are ordered by a court to get an SR-22 may have to carry it for 3 years. Though this is standard, you may be required to carry an SR-22 for more than 3 years, depending on new convictions or the severity of your offense. If you fail to carry it for the allotted time frame, your driver’s license may be suspended. If you’re unsure about how long you need to keep your SR-22, the exact term is usually in your court order or IL Secretary of State notice. 

Coverage and cost basics 

An SR-22 is a certificate that can prove you have Illinois’s minimum required insurance. This means that you’ll need a policy which has the state’s mandated minimum coverage. In Illinois, you must meet these state’s minimum liability limits to drive legally: 

• $25,000 for injury to one person 
• $50,000 for injury to multiple people 
• $20,000 for property damage 

Plus, it’s required for drivers to also purchase uninsured motorist coverage in Illinois. The mandated limits are $25,000 per person for bodily injury and $50,000 per accident for bodily injury.  

Though Illinois’ minimum mandated coverage is required to legally drive in the state, it won’t cover certain damages that may occur to your vehicle. This is why you may want to learn more about collision vs comprehensive in Illinois and what damages each coverage can help pay for. 

How much does sr22 insurance cost in Illinois? 

The SR-22 form itself typically has a filing fee of $25. But, the cost of your insurance policy may depend on a combination of factors, including: 

• Driving record 
• Policy type (owner vs non-owner) 
• Vehicle details 
• Coverage limits 

With Illinois Vehicle, we can help you compare rates from 20+ carriers to find cheap SR-22 insurance in Illinois that can work for your budget! Whether you want the state’s minimum or full coverage auto insurance policy, our agents can help you tailor a policy to meet your needs. Our carriers can also offer discounts like paying your premium in full or bundling multiple cars on one policy that you may qualify for.  

SR-22 insurance in Chicago 

If you’ve been caught driving without insurance in Chicago, you could face serious consequences. Some of these consequences may include: 

• Fines of $500 or more 
• Vehicle impoundment and associated fees 
• License suspension 
• SR-22 filing requirements 

Illinois Vehicle can help drivers in and outside the Chicago area with finding insurance that works for their lifestyle. Whether you're dealing with a license suspension or responding to an ILIVS verification notice, our agents can help guide you through your insurance journey.  

If you live in Cicero, Aurora, Joliet, Waukegan, Elgin, Rockford, stop by one of our offices to talk to an agent in-person about your SR-22 questions! 

Why choose us for SR-22? 

Illinois Vehicle can offer you a variety of services, including: 

• Same-day SR-22 e-filing 
• Digital proof after you file 
• Acceptance of foreign driver’s licenses 
• Owner and non-owner policies 
• Experienced bilingual agents (English and Spanish) 
• Walk-in and phone support 

Whether you’re trying to reinstate your license or avoiding another suspense, our agents are here to help you file your SR-22. 

Start your SR-22 quote today! 

Ready to get your SR-22? Call Illinois Vehicle today at 1-630-581-4805, head to our website, our stop by one of our Illinois locations to talk to one of our knowledgeable agents! We can help you avoid lapses by accepting drivers who need non-owner insurance as well as help you access same-day proof of insurance once payment is issued.  

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FAQs 

Can I get SR-22 insurance the same day in Illinois? 

Typically, yes. Once your policy is active, we can help you file your SR-22 electronically that day. 

How long do I need to carry SR-22 in Illinois? 

Most drivers will need to maintain their SR-22 for three years, but it may be helpful to check your specific case with the Illinois Secretary of State. 

What happens if SR-22 lapses or is canceled? 

Oftentimes, your insurance company may contact the Illinois Secretary of State. Once contacted, your license could be immediately suspended. If you’re worried about an SR-22 lapse, contact Illinois Vehicle and our agents can help you prevent a lapse. 

How do you respond to an ILIVS notice? 

To respond to a notice, you may want to log in to your account on the ILIVS website, enter your reference code, and upload your policy information. 

Still have questions? 

Start Your SR-22 quote by calling us today.

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Disclaimer:   
This material is for general informational purposes only. Products, services, and discounts referenced herein are not available in all states or in all companies. All statements are subject to the terms, exclusions, and conditions of the applicable policy. In all instances, current policy contract language prevails. Coverage is subject to individual policyholders meeting the insurer's underwriting qualifications and state availability. Other terms, conditions and exclusions may apply.