If you’re searching for the cheapest SR-22 insurance in Illinois, understanding costs and requirements can save you time and money. Whether you’re in Chicago, Aurora, Joliet, Rockford, or Springfield, the price of SR-22 insurance depends on your age, driving history, and coverage type. Illinois drivers who require an SR-22 filing are often considered high-risk, leading to increased premiums. According to Insured ASAP’s direct market research and our licensed agents’ experience, SR-22 rates in Illinois typically average between $21 and $111 per month. Continue reading below to find exactly where you fall within that range, and see how you can secure the lowest possible rate.
What is the Cost of SR-22 Insurance Per Month in Illinois?
The monthly cost of SR-22 insurance in Illinois varies based on whether you choose non-owner SR-22 insurance, liability-only coverage, or full coverage. At Insured ASAP, we offer Agency-Direct Pricing—meaning lower premiums, personalized service, and instant electronic filing.
Below is a detailed breakdown of monthly and estimated annual costs at Insured ASAP:
Insured ASAP Insurance - Cheapest SR-22 Insurance in Illinois
| Driver Age | Non-Owner SR-22 Insurance | Liability Only SR-22 Insurance | Full Coverage SR-22 Insurance |
|---|---|---|---|
| 18 - 24 | $28 per month | $57 per month | $111 per month |
| 25 - 34 | $24 per month | $52 per month | $102 per month |
| 35 - 44 | $21 per month | $47 per month | $89 per month |
| 45 + | $22 per month | $49 per month | $93 per month |
(Rates as of 2025, based on favorable conditions.)
These quotes reflect Agency-Direct Pricing, helping Illinois drivers save significantly compared to traditional call centers or online aggregators.
Factors That Increase SR-22 Insurance Costs After Violations
In Illinois, certain driving violations dramatically impact SR-22 premiums. Here’s how common violations affect your monthly costs:
How Violations Impact SR-22 Insurance Costs in Illinois
| Violation Type | Premium Increase | Typical Non Owner SR22 | Typical Owners Liability SR22 |
| Driving Without Insurance | +5% | $24 per month | $51 per month |
| Reckless Driving | +20% | $28 per month | $56 per month |
| Accident Without Insurance | +25% | $30 per month | $59 per month |
| DUI Conviction | +45% | $35 per month | $69 per month |
| Multiple Violations | +60% or more | $43 per month + | $73 per month + |
Does SR-22 Cover Any Car I Drive?
A standard SR-22 policy typically covers only vehicles listed on your policy. However, if you choose non-owner SR22 insurance in Illinois, it provides liability coverage for vehicles you don’t own, making it ideal for those who frequently borrow or rent cars. It is important to note that in Ilinois, all vehicles should be insured and non owner insurance does not apply to an uninsured vehicle.
How Long is SR-22 Insurance Required in Illinois?
SR-22 insurance in Illinois is typically required for:
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3 years for most license reinstatement cases
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5 years for severe or repeat offenses
Canceling or lapsing coverage resets the period, emphasizing the importance of continuous coverage.
Cheapest SR-22 Insurance Options in Illinois (Agency-Direct Pricing)
Finding cheap SR22 insurance Illinois online is easy with Insured ASAP. Our Agency-Direct Pricing ensures affordable solutions including:
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Non-Owner SR22 Insurance Illinois: Starting at $21/month for drivers without vehicles.
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Liability-Only SR22: Meets minimum liability coverage at low monthly costs.
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Full Coverage SR22: Comprehensive protection for financed or leased vehicles.
With competitive rates and hundreds of positive cheap SR22 insurance Illinois reviews, we offer the best SR22 insurance Illinois drivers can find online.
Illinois SR-22 Filing Fees and Requirements
Illinois SR-22 filings have a one-time fee (typically $15–$50). Important state requirements include:
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90-day filing period from notice
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Mandatory continuous coverage (typically 3–5 years)
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Immediate notification to the Secretary of State upon any lapse
Where to Buy SR-22 Insurance Online in Illinois
At Insured ASAP, you can secure coverage without ever stepping into an office. Our streamlined online platform offers:
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Instant quotes
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Secure document uploads
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Same-day electronic filing directly to the Illinois Secretary of State
We proudly serve every ZIP code in Illinois—including major cities like Chicago, Aurora, Joliet, Rockford, and Springfield.
SR22 Insurance Illinois Online – Fast, Easy & Legit
Get legal and stay protected without stepping foot in an office. At Insured ASAP, our 100% online process allows you to:
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Instantly receive quotes
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Upload documents securely
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File your SR22 with the Illinois Secretary of State — same day
Whether you’re in Aurora, Cicero, Joliet or anywhere else in IL, we serve every Illinois ZIP code — Indiana too!
Factors That Affect SR-22 Insurance Costs
Several key factors influence the cost of SR-22 insurance in Illinois. Understanding these elements can help you anticipate what to expect and potentially lower your premiums.
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- Location: Where you live, including your state, ZIP code, and weather-related risks, can significantly affect your insurance rate. Areas with higher crime rates, traffic congestion, or severe weather conditions tend to have higher premiums.
- Driving Record: A clean driving record is one of the most important factors in determining your SR-22 insurance cost. Drivers with a history of accidents, speeding tickets, or DUIs typically face higher rates due to the increased risk they present.
- Age: Younger drivers, especially those under 25, typically pay more for SR-22 insurance. Statistics show that younger drivers are more likely to be involved in accidents, which increases their risk level.
- Gender: In general, women tend to have lower accident rates than men, so they often pay less for insurance.
- Marital Status: Married drivers usually receive lower premiums compared to single drivers, as studies show married individuals are less likely to file claims.
- Credit Score: Some insurers factor in your credit score when calculating premiums. A lower credit score can result in higher SR-22 insurance costs.
- Coverage Types and Limits: Opting for higher coverage limits or additional coverage types, like collision or comprehensive, will increase your insurance premium.
Tips for Lowering SR-22 Insurance Costs
- Compare Rates: Use our online tools to find the cheapest options for SR-22 insurance in Illinois.
- Consider Non-Owner Policies: If you don’t own a car, this is often the most affordable choice.
- Drive Safely: Avoid violations to prevent your premiums from rising further.
- Ask About Discounts: Defensive driving courses or bundling policies can reduce your costs.
SR-22 Insurance Calculator
Wondering how much SR22 insurance costs in Illinois? Use our SR22 Insurance Calculator to estimate your monthly insurance costs. — factoring in your age, ZIP code, vehicle type, and driving history to generate accurate, low-cost rates in seconds. Whether you need non-owner coverage or full protection, get a personalized monthly price without the guesswork.
Frequently Asked Questions About SR-22 Insurance in Illinois
Q: How much is SR22 insurance in Illinois per month?
A: SR22 insurance in Illinois costs anywhere from $21 to $111 per month, depending on your age, vehicle, and whether you own a car. Non-owner SR22 policies tend to be the cheapest option.
Q: How much is SR22 insurance in Illinois calculator?
A: While there’s no official state calculator, Insured ASAP provides instant SR22 quotes tailored to your age, ZIP code, and driving record — just like a calculator, but backed by real data. Click here to use our SR22 Insurance Calculator.
Q: What is the cheapest non-owner SR22 insurance in Illinois?
A: Non-owner SR22 insurance starts as low as $21 per month through Insured ASAP, depending on your record and age. It’s often the most affordable way to stay compliant without owning a vehicle.
Q: Do I need an SR22 to reinstate my license in Illinois?
A: Yes. If your license was suspended due to certain offenses like DUIs or driving without insurance, an SR22 filing is required to reinstate your license with the Illinois Secretary of State.
Q: Does SR22 cover any car I drive in Illinois?
A: Only if you have a non-owner SR22 policy. Otherwise, SR22 only applies to the listed vehicles on your personal auto policy. All vehicles on IL roadways are required to have minimum auto liability insurance.
Q: Why is SR22 so expensive?
A: SR22 isn’t a separate policy — it’s a high-risk designation. Premiums are higher because the driver has a history that signals risk to the insurance company, such as DUIs or multiple violations. That, along with increasing rates throughout 2025 and beyond, make all insurance policies including SR22 expensive.
Q: What if I live in Indiana but need SR22?
A: We can help with that too. Insured ASAP is licensed in over two dozen states. Our licensed agents help provide Indiana SR22 insurance in minutes.
Get Covered Today with Insured ASAP’s Agency-Direct Pricing
Looking for the best SR22 insurance Illinois drivers can trust? Insured ASAP offers the most affordable, Agency-Direct Pricing. Get your quote today and experience firsthand why we have countless positive cheap SR22 insurance Illinois reviews.
Read more: https://www.ilsos.gov/publications/pdf_publications/dsd_sr84.pdf
