If you’re searching for the cheapest SR-22 insurance in Illinois, understanding the costs and requirements can save you time and money. Whether you’re in Chicago or anywhere else in the state, the price of SR-22 insurance depends on factors like your age, driving history, and the type of coverage you choose. In Illinois, drivers who require an SR-22 filing are often considered high-risk, which leads to increased premiums.
What is the Cost of SR-22 Insurance Per Month in Illinois?
The monthly cost of SR-22 insurance in Illinois varies depending on whether you choose non-owner SR-22 insurance, liability-only coverage, or full coverage. Below is a detailed breakdown of monthly costs:
Insured ASAP Insurance - Cheapest SR-22 Insurance in Illinois
Rates are as of 2025 and based on favorable rating conditions
| 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 |
These SR-22 insurance quotes are based on drivers with favorable conditions such as age, insurance history, zip code, location, credit, etc.
Does SR-22 Cover Any Car I Drive?
If you have a standard SR-22 attached to your car insurance, it typically only covers the vehicles listed on your policy. However, if you opt for non-owner SR-22 insurance, it can provide liability coverage for any vehicle you drive that you don’t own. This is a great option for those who frequently borrow or rent cars.
How Long is SR-22 Insurance Required in Illinois?
In Illinois, SR-22 insurance is generally required for three years. However, this duration can vary based on the offense that led to the SR-22 requirement. If you cancel your policy or let it lapse during this time, the clock resets, and you’ll have to restart the three-year period. Maintaining continuous coverage is crucial to fulfilling your obligation.
Cheapest SR-22 Insurance Options in Illinois
Fing the cheapest SR-22 insurance in Illinois often requires comparing quotes from multiple providers. Insured ASAP Insurance is the leading provider of cheap SR-22 insurance, including:
- Non-Owner SR-22 Insurance: Starting at $21/month, ideal for drivers without a vehicle.
- Liability-Only SR-22 Coverage: Meets Illinois minimum liability coverage on your vehicle, while keeping costs low.
- Full Coverage with SR-22: Offers comprehensive protection for financed or leased vehicles.
Where to Buy SR-22 Insurance Online in Illinois
You don’t have to visit an office to get SR-22 insurance. At Insured ASAP, you can quickly get a quote and purchase your policy online, saving you time and hassle. Our online platform helps drivers in Chicago and throughout Illinois find the coverage they need, whether it’s non-owner SR-22 insurance, liability-only, or full coverage.
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 IL?
A: Only if you have a non-owner SR22 policy. Otherwise, SR22 only applies to the listed vehicles on your personal auto policy.
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.
Get Covered Today!
If you’re looking for the cheapest SR-22 insurance in Illinois, Insured ASAP Insurance is here to help. Start your quote online and get affordable coverage fast. Whether you need non-owner SR-22 insurance or full coverage in Chicago, we’ve got you covered.
Read more: https://www.ilsos.gov/publications/pdf_publications/dsd_sr84.pdf
