The Illinois Secretary of State’s office may have required you to obtain SR-22 filing if your driver’s license has been suspended. If it’s your first time hearing the term SR-22, you may become confused…What is SR-22 insurance in Illinois? How long do you need SR-22 filing? How much does SR-22 cost per month?
This guide will help answer these questions along with other common questions relating to SR-22 insurance.
Why Your May Need SR-22 Insurance in Illinois?
SR-22, also referred to as financial responsibility, is a certificate the state of Illinois requires after certain driving offenses or violations. A traffic court judge will usually order a driver to obtain an SR-22 certificate. Some common drivers require SR-22 insurance after:
- 3 or more traffic violations
- Driving under the influence of alcohol or drugs
- Driving while intoxicated
- Driving with no insurance
- Being involved in an accident with no insurance
- Suspended Illinois driver’s license
As a reminder, the Illinois secretary of state also mails over a written request with the SR-22 deadline date, as well as Case Number.
What is SR-22 Insurance? What Does it Do?
A common misconception of SR-22 is that it is a type of insurance policy – and it’s not. SR-22 is not insurance coverage. SR-22 is something, specifically – a filing, that is added to your current or new insurance policy.
As an insurance company or agent, SR-22 is a check mark next to your name in your insurance policy. It notifies the state of Illinois that you have ACTIVE liability insurance coverage, and also lets them know when liability coverage becomes INACTIVE.
What does this mean to a driver that needs SR-22 in Illinois? Any type of lapse in liability insurance coverage will trigger a notification from the insurance company to the state of Illinois which results in an immediate suspension of a driver’s license.
So just to clarify, SR-22 is not an insurance policy. SR-22 is an “add-on” to your car insurance policy. But what if you don’t own a car?
Need SR-22 But Don’t Own a Car? Non-Owners Insurance
So you need SR-22 filing, but don’t own a car? There’s a solution for that. Non-owners insurance is an insurance policy that provides liability coverage to a driver. Non-owners insurance does not provide medical payments or physical damage coverage.
Non-owners insurance was designed by insurance companies for the following types of drivers in Illinois:
- Your driver’s license has been suspended and you’re required to obtain SR-22
- You occasionally drive non-owned vehicles
- You are in between vehicles and need insurance to keep preferred status
In any event, a non-owners insurance policy can be obtained by an individual that does not own a vehicle but needs SR-22.
SR-22 Insurance Requirements Illinois
Liability insurance in the minimum mandated amounts are necessary for SR-22 to be accepted by the state. The following are coverage requirements for SR-22 in the entire state of Illinois:
- $25,000 bodily injury per person
- $50,000 bodily injury per accident
- $20,000 property damage
What to Do After Buying SR-22?
Unless you contact us, it may take a while for you to find affordable SR-22 in Illinois. But once you do, insurance companies in Illinois now electronically file an SR-22 certificate directly to the state of Illinois. Proof of insurance and a financial responsibility certificate is usually provided to you same day by your insurance agent.
If your driver’s license has been cancelled and needs to be reinstated, a reinstatement fee of $70.00 may apply. This may be made online with cyberdriveillinois.com, or in person at an Illinois DMV.
How Much Does SR-22 Cost in Illinois?
Years ago, filing an SR-22 certificate was time consuming and costly. With the adaptation of technology by insurance companies and the state of Illinois, SR-22 filing is now more efficient and streamlined. In turn, many insurance companies in Illinois do not charge excess premium if SR-22 is required.
Affordable SR-22 in Illinois.
Insured ASAP is a leading provider of SR-22 in Naperville, Rockford, Springfield, Elgin, Peoria, Champaign, Waukegan, Joliet, Aurora, Chicago and throughout Illinois. Non-owners insurance rates with SR-22 filing are as low as $15 per month. With two ways to quote, it has never been easier.