SR22 Illinois Insurance: Everything You Need to Know

When you need to obtain SR22 insurance in Illinois, it can be a daunting process. However, it doesn’t have to be. In this article, we’ll break down what SR22 insurance is and how to obtain it in Illinois.

What is SR22 Insurance?

SR22 insurance is a type of car insurance that is required for drivers who have had their licenses suspended or revoked due to a DUI, reckless driving, or other serious driving violations. The SR22 certificate is a form that proves to the Illinois Department of Motor Vehicles (DMV) that drivers have the required liability insurance coverage.

The SR22 certificate is typically required for a minimum of three years from the date of the violation. If drivers fail to maintain their SR22 insurance coverage during this time, their license can be suspended again.

How Do I Obtain SR22 Insurance in Illinois?

When you need SR22 insurance in Illinois, you’ll need to contact an insurance company that is authorized to provide SR22 certificates. These insurance companies will file the SR22 certificate with the Illinois DMV on your behalf.

It’s important to note that not all insurance companies offer SR22 insurance. You may need to shop around to find an insurance company that does.

Step 1: Contact an Insurance Company

When you need SR22 insurance in Illinois, the first step is to contact an insurance company that offers SR22 certificates. You can do this by searching online or by contacting your current insurance company to see if they offer SR22 insurance.

When you contact an insurance company, be sure to let them know that you need SR22 insurance. They will be able to provide you with a quote and help you determine what type of coverage you need.

Step 2: Purchase an Insurance Policy

Once you’ve found an insurance company that offers SR22 insurance, you’ll need to purchase a policy. This policy will include the required liability insurance coverage, as well as the SR22 certificate.

You’ll need to provide the insurance company with information about your driving record, including the reason for your license suspension or revocation. This information will be included on the SR22 certificate that the insurance company files with the Illinois DMV.

Step 3: File the SR22 Certificate

Once you’ve purchased your SR22 insurance policy, the insurance company will file the SR22 certificate with the Illinois DMV on your behalf. This certificate proves to the DMV that you have the required liability insurance coverage.

You’ll need to pay a filing fee when the SR22 certificate is filed. This fee is typically around $25.

How Much Does SR22 Insurance Cost in Illinois?

The cost of SR22 insurance in Illinois will vary based on a number of factors, including your driving record, age, and the type of car you drive.

Generally, SR22 insurance is more expensive than standard car insurance. This is because drivers who require SR22 insurance have been deemed high-risk by the insurance company due to their driving history.

The cost of SR22 insurance in Illinois can range from $20 to $50 per month, in addition to the cost of a standard car insurance policy.

FAQ about SR22 Insurance in Illinois

What Happens if I Don’t Get SR22 Insurance?

If you don’t obtain SR22 insurance when it’s required, your license will be suspended again. It’s important to maintain your SR22 insurance coverage for the entire period required by the Illinois DMV.

Do I Need SR22 Insurance if I Don’t Own a Car?

Yes, you’ll still need SR22 insurance if you don’t own a car but still need to drive. You can obtain a non-owner SR22 insurance policy, which provides liability insurance coverage when you’re driving a car that you don’t own.

How Long Do I Need to Maintain SR22 Insurance?

You’ll typically need to maintain SR22 insurance for a minimum of three years from the date of the violation that led to your license suspension or revocation.

Can I Switch Insurance Companies While I Have SR22 Insurance?

Yes, you can switch insurance companies while you have SR22 insurance. However, you’ll need to make sure that your new insurance company is authorized to provide SR22 certificates in Illinois.

Conclusion

Obtaining SR22 insurance in Illinois can be a complex process, but it doesn’t have to be. By following the steps outlined in this article, you can get the liability insurance coverage you need and maintain your driving privileges.

Remember to shop around for an insurance company that offers SR22 insurance and to maintain your coverage for the entire period required by the Illinois DMV. If you have any questions or concerns about SR22 insurance in Illinois, be sure to contact an insurance professional for guidance.