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Looking for Affordable SR-22 Insurance in Illinois? We’re Here to Help!

Do you need SR-22 insurance? An SR-22 is neither a type of insurance nor a policy. SR-22 is a certificate of financial responsibility issued from your car insurance carrier to the Illinois Secretary of State. The SR-22 form is a proof of insurance certificate stating that you have active liability insurance required by law.

WHAT IS REQUIRED UNDER ILLINOIS LAW?

When it comes to SR-22 insurance coverage, Illinois residents who are required to buy this type of auto insurance certificate by the Illinois Secretary of State will need minimum liability insurance in the amounts of:

• $25,000 of bodily injury liability coverage per person
• $50,000 of bodily injury insurance liability insurance per accident
• $20,000 of property damage coverage
• $25,000 per person and $50,000 total per accident in underinsured and uninsured motorist coverage

How Much Does SR-22 Insurance Cost?

In Illinois, an SR-22 certificate is merely a certificate of insurance added to your existing car insurance policy. Some insurers charge a filing fee to process the SR-22 certificate electronically with the State of Illinois. Costs vary by state. Read more about How Much Does SR-22 Insurance Cost in Illinois.

How to Check Your SR-22 Insurance Status in Illinois?

A common question drivers in Illinois have is how to tell whether or not they need SR-22 Insurance. Typically, the state of Illinois mandates SR-22 for drivers who have been involved in the following:

• A DUI or DWI
• Any serious moving violation
• Driving without insurance
• Involved in an accident without insurance
• Repeat traffic offenses
• A revoked or suspended driver’s license

In Illinois, SR-22 is court-ordered. This means that you should only request SR-22 filing if the state of Illinois mandates you to. Typically, a traffic judge will notify you in court of SR-22 requirements. If not, the State of Illinois sends an official letter to your home address.

If you are still not sure whether or not you need SR-22 filing, you can contact the Illinois Secretary of State Drivers License Department at (888) 261-5238.

Need an SR-22 But Don’t Own a Car? You May Need Non-Owners SR-22…

The SR-22 insurance certificate is usually added to one of the following forms of insurance:

Operator’s Certificate. This insurance covers the motorist in the operation of any non-owned vehicle.

Owner’s Certificate. This insurance covers the vehicle owned by the driver. The specific vehicle must be listed on the SR-22 or may be issued for all owned vehicles.

Operators-Owners Certificate. This insurance covers all vehicles owned or non-owned by the driver.

Non-Owners SR-22 Insurance

Nonowners insurance protects you from liability claims that arise when you drive a borrowed vehicle on an occasional basis. In Illinois, Non-owners insurance is secondary coverage that helps to pay claims in the case you cause an accident that results in bodily injury or property damage.

A common misconception is that non-owner insurance covers any vehicle you drive. This is simply not true.

In Illinois, any vehicle you drive MUST be insured by its owner. Non-owner insurance does not provide coverage on a specific vehicle.

If the State of Illinois requires you to obtain SR-22 insurance, but you do not own a vehicle, nor do you drive a vehicle on a regular basis, non-owners insurance is the best option for you.

How to Get Instant SR-22 Insurance Today.

There aren’t many options when looking for SR-22 insurance in Illinois. Insured ASAP has options for all types of drivers looking for affordable SR-22 insurance. We provide cheap SR-22 insurance in:

• Chicago, IL.
• Naperville, IL.
• Aurora, IL.
• Joliet, IL.
• Rockford, IL.
• Springfield, IL.
• Peoria, IL.
• Elgin, IL.
• Waukegan, IL.
• Champaign, IL.

Contact our office today for a 3-min SR-22 insurance quote over the phone. Start your SR-22 insurance for as low as $37 down and $22 per month. Insured ASAP and its auto insurance carriers electronically file SR-22 to the State of Illinois instantly, and we can get your SR-22 certificate emailed to you within minutes.