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SR-22 Insurance

How Does SR-22 Coverage Work?

An SR-22 (financial responsibility) is also known as SR-22 insurance or Certificate of Financial Responsibility (CFR). The SR-22 policy was created to make it difficult for high-risk drivers to operate a vehicle without insurance. The Office of the Secretary of State uses the SR-22 insurance certificate in Illinois to verify that a high-risk driver possesses the state-required insurance.

If you are classified as a high-risk driver, Illinois Vehicle Auto Insurance will help. After you purchase an auto insurance policy, we file the form to obtain an SR-22 certificate that gets you on the road again — legally. Without an SR-22 certificate, the Secretary of State revokes the license of uninsured, high-risk drivers. SR-22 policies range from one to five years, depending on the nature of the violation. Cheap SR-22 Illinois insurance may not always be best; Illinois Vehicle offers first-rate, affordable SR-22 insurance that fits your circumstances and budget.

Who is Required to Carry SR-22 Insurance?

Simply put, drivers who have been convicted of serious motor-related violations, including driving without insurance, are required to carry the Illinois SR-22 insurance certificate. The Secretary of State notifies the individual that he or she has been designated a high-risk driver subject to the SR-22 requirement.

Examples of violations that result in the SR-22 requirement include:

  • DWI/DUI (Driving While Impaired/Driving Under the Influence)
  • Failure to carry insurance
  • Multiple moving violations
  • Reckless driving

These descriptions are meant to assist you in determining your auto insurance needs. These are not complete descriptions and do not constitute an insurance contract or coverage for specific losses. For a complete description, please consult your policy contract or contact your insurance agent.