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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 that is issued from your car insurance carrier to the Illinois Secretary of State. The SR-22 form is a proof of insurance certificate that states that you have active liability insurance required by law in place.
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 that is 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.
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 that 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 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.