SR-22 insurance in Illinois: Quotes, rankings and information

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USAA
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AAA
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4.11 ★★★★★
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Grinnell Mutual
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4.09 ★★★★★
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4.06 ★★★★★
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#9
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Nationwide
4.04 ★★★★★
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4.01 ★★★★★
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allstate
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4.00 ★★★★★
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3.98 ★★★★★
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Esurance, Inc.
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3.95 ★★★★★
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Pekin Insurance
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3.82 ★★★★★
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dairyland
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3.75 ★★★★★
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Good2Go
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1.22 ★★★★★
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What are Illinois SR-22 certificate requirements?

SR-22 insurance is also known as Financial Responsibility Insurance, and it is mandated by the court or the state of Illinois if you have exhibited certain driving behaviour that places you in the high-risk driver category. SR stands for Safety and Responsibility. By requiring you to get this kind of special coverage, Illinois authorities are making sure that you have enough coverage to meet your financial liabilities in the event of an accident. SR22 insurance is proof that you have the minimum car insurance and limits required by Illinois.

You’ve likely heard the term SR-22 insurance if you’re required to file an SR22 in Illinois. While SR-22 insurance is not actually a different type of insurance from typical car insurance, the term is often used to describe car insurance coverage for those who need an SR-22 endorsement because an SR22 affects your car insurance coverage and cost. In Illinois, SR-22 insurance after a DUI conviction costs an average of 55 % more than car insurance for standard drivers.

An SR-22 certificate is a form that is filed with the Secretary of State Driver Services Department. The SR-22 form is filed by your insurance company with the Driver Services Department as soon as you have taken this coverage, to certify that you carry at least the minimum liability coverage.

Typically, you must maintain your SR22 insurance for three years in Illinois in order to reinstate your driving privileges, but this can vary on a case to case basis depending on the kind of driving behavior that warranted its imposition, your driving history, and many other factors. If you don’t get SR22 insurance when you’re required to, you could face fines, penalties and reactivation of your license suspension. Also, if your coverage lapses, the insurer alerts the Driver Services Department and your driver’s license and registration will be suspended.

Even if you don't own a vehicle, and your driver's license has been suspended, you will still need to file the SR-22 in order to get it reinstated. You can do this by purchasing non-owner SR-22 insurance. After three years, you can cancel your SR-22 insurance and search for the most affordable rates on standard car insurance.

If you’ve fulfilled all of your requirements, kept a clean driving record and maintained SR-22 insurance for the required time in Illinois, the Secretary of State will remove your SR22 insurance requirement once your filing period has been completed. After this, your car insurance rates may start to decrease as long as you keep a clean driving record.

Use our comparison tool to compare SR-22 insurance quotes from multiple companies.

What are the SR-22 insurance limits in Illinois?

If you’re required to have SR22 insurance in Illinois, you’ll be required to have at least the following coverage:

  • Liability:
    • $25,000 coverage for bodily injury/death of one person
    • $50,000 coverage for bodily injury/death of more than one person
    • $20,000 coverage for damage to property
  • Bodily injury caused by an uninsured motorist:
    • $25,000 per person
    • $50,000 per accident

Who needs SR22 insurance in Illinois?

There are a number of situations where you may be required by the state of Illinois to file an SR22 form, such as the ones listed here:

  • DUI or DWI conviction
  • Several smaller violations, like running red lights
  • Inability to show insurance proof
  • Failure to pay damages for an accident caused by you
  • Driving rash and causing accidents without having insurance coverage
  • Several tollway fare evasions

Non-traffic violations, like failure to pay child support, can also result in SR22 filing being made mandatory for you as well.

Another point to note here is that this high-risk insurance is not just for those who own a car. You may also need SR22 insurance if you drive a vehicle owned by someone else. There are three kinds of SR-22 policies in Illinois:

  • Owner’s policy: If the only car you drive is your own
  • Operator’s policy: If you drive a vehicle not owned by you
  • Owner-Operator policy: If you drive your own vehicle as well as one owned by someone else.

Getting SR-22 coverage is similar to buying standard car insurance. Most drivers need SR-22 insurance forms because they had their insurance cancelled as a result of license suspension or revocation. However, if you have an active auto insurance policy, you may add an SR-22 insurance coverage with your existing insurance company. Just contact them to make sure they offer this option. Not all insurance providers in Illinois offer SR-22, so you may need to look for specialized SR-22 insurance companies.

The insurer will file proof of insurance on your behalf once you've purchased the coverage and send it to the Illinois Department of State. After the form is processed, you'll be able to get your license and vehicle registration back.

How are Illinois SR-22 insurance rates calculated?

SR-22 insurance is for high-risk or non-standard driver. To account for your higher risk, the insurer charges you high premiums. However, the rates for SR-22 insurance are not the same across all insurers in Illinois. You can shop around for the best policies before you sign up for one. Remember that many factors impact the cost of this insurance, so what you can find may not match what your spouse or neighbor gets. Some factors that affect the cost of SR-22 coverage are your age, gender, marital status, location, the reason for the SR-22 requirement, the type of vehicle you drive, and so on.

One of the most common reasons drivers need SR-22 insurance is because of a DUI conviction. On average, drivers with one DUI conviction in Illinois pay $1,570 per year for car insurance. That’s 55 % more than car insurance for a driver with a clean driving record. However, the insurance cost you pay differs significantly based on the company you buy car insurance from. In the table below, you can find average rates for Illinois drivers who have one DUI conviction from some of the largest companies in the state.

Company Car insurance rate
Safeco $894
Geico $1,104
Erie $1,137
State Farm $1,210
Auto-Owners $1,229
USAA* $1,258
Country Financial $1,318
Travelers $1,324
Farmers $1,470
Progressive $1,683
Nationwide $1,719
Cincinnati Insurance Company $2,048
AAA $2,088
American Family $2,094
Allstate $2,403

*USAA is only available to active and former military members and their families.

These rates are based on a 35-year-old single adult with one driver and one vehicle on a policy. The car used was a 2015 Toyota Highlander LEs. Full coverage was used with 100/300/50 limits and a $500 collision and comprehensive deductible. The driver had 1 DUI on their record. The rates displayed should only be used for comparative purposes as individual rates for high-risk insurance in Illinois will differ. Rate data is provided by Quadrant Information Services.

How to get SR22 insurance in Illinois?

To get SR22 insurance in Illinois, you’ll need to contact your car insurance company. An SR-22 can only be obtained through an insurance carrier; you can’t file it on your own. If your auto insurance company offers insurance coverage to drivers who need an SR-22, your company can file the form with your state and offer you car insurance coverage. If not, you’ll need to shop for a new insurance policy from a company that offers SR22 insurance coverage.

Even if your Illinois car insurance company does offer SR22 insurance, you may want to shop around by getting quotes from a few other companies. SR-22 insurance is expensive but the cost varies by company. You may be able to find cheap SR-22 insurance rates with a different insurer.

Use the table at the top of this page to find all the car insurance companies that offer SR-22 insurance in Illinois with a minimum of 25 reviews. If you want to see which companies customers say are the best car insurance companies for SR22 insurance in Illinois, sort the table by highest rated. You can sort through companies and find the ones you want to get quotes from. To get quotes, click on the orange “Click for quote” button next to the company, call the number available, or visit the company’s website.

If you want to read customer reviews of the company, click the company name in the table and you will be directed to the company’s profile page containing information about the company and reviews.

What are some alternatives to SR-22 insurance in Illinois?

As an alternative to SR-22 insurance in Illinois, you can also deposit $70,000 in cash in the Illinois State Treasury. Otherwise, you can submit to them a real estate security bond for the same amount or more in lieu of the SR22. This is a safety deposit that the state can use if you get into an accident and cannot meet your financial liability.

Is there an SR-22 filing fee in Illinois?

You have to pay the processing fee to your insurer to file the SR-22 to the state of Illinois on your behalf. In general, the filing fee ranges from $20 to $50.

If your Illinois driver’s license was suspended, you’ll be required to pay a reinstatement fee to the Secretary of State along with potentially a fee for a new license. Illinois reinstatement fees vary based on your offense.

A DUI is one of the most common offenses that requires SR22 insurance. It’s a very costly conviction costing an average of $18,030 in Illinois after fees, car insurance increase, rehabilitation, loss of income and more. The reinstatement fee after a DUI is $250 for first offense and $500 for second and subsequent offenses. There are also many other DUI penalties in Illinois including community service, jail time and license and vehicle registration suspension.

How are car insurance rates calculated?

When searching and comparing car insurance quotes, it can be frustrating trying to understand how your insurance rates are calculated. While there is no exact formula that each car insurance company uses when providing you a quote, there are many factors that do contribute to the price you pay for your insurance. Among the factors that car insurers consider are:

  • Your driving record
  • How much you drive
  • Location
  • Age
  • Marital status
  • Gender
  • Your car’s make, model and year
  • Your credit history (in some states)
  • Amount of car insurance coverage (required coverage and optional add-ons, such as collision and comprehensive)

One of the biggest misunderstandings when it comes to insurance rates is that the history of drivers in your area also contributes to how much you pay. For instance, even if you go two years without an accident, if there were a lot of accidents near you recently, your rates might still go up. Why is that the case?

Insurance companies disperse risk across all policyholders so that when it comes time to pay a claim, they have enough money to pay out. But imagine a scenario where they only raised rates for drivers with an accident. For drivers who had an expensive claim, drivers simply wouldn't be able to afford the raised rates that are based on how much their insurer had to pay after an accident. So instead, insurance companies slightly increase rates across the board to offset the costs, though of course the at-fault driver may see a larger increase.

How much car insurance do I need?

You certainly don’t want to be underinsured or uninsured while staring at a claim after a car accident or other damage to your car. But at the same time, there’s no sense in paying for more coverage than you need, right? So it begs the question: How much car insurance coverage do you actually need?

The answer, as frustrating as it may be, is it depends. For example, someone insuring a brand-new, leased car is likely required to purchase collision and comprehensive coverage, but for someone driving an older car that doesn’t have much value, it may not make sense to purchase optional coverage. Plus, states have different car insurance requirements. There are 12 no-fault states that require its drivers to purchase personal injury protection (PIP).

So when it comes to determining what car insurance coverage and limits you should purchase, it’s important to do your research. Talk with an insurance agent or your insurance company to determine what makes the most sense for your situation.

How to save money on your car insurance?

At the end of the day, we’d all like to have the best coverage at a cheap, affordable price. While you never want to sacrifice quality to save a couple of dollars, there are some different ways you can lower your car insurance premium.

Here are six ways you may be able to lower your car insurance rates:

  • Bundle your car insurance with other policies
  • Consider raising your deductibles
  • Pay your car insurance policy in full
  • Try usage-based car insurance
  • Monitor price changes to your policy
  • Shop for better insurance rates

How do we rank car insurance companies?

Wondering how Clearsurance determines scores for insurance companies? Our algorithm analyzes a range of inputs from our community of unbiased insurance customers, including:

  • Cost
  • Customer Service
  • Overall Experience
  • Claim service
  • Purchasing experience
  • Likelihood to recommend

Car Insurance Guide

Whether you’re buying your insurance direct or going through an agent, understanding the different car insurance coverage options is a must. Do you know what is covered by comprehensive coverage? Are you familiar with uninsured motorist coverage/underinsured motorist coverage? Do you know how a deductible works?

We want to make sure you’re equipped with a proper knowledge of car insurance, so check out our practical guide to understanding car insurance. Looking for more educational information about car insurance? Check out our blog for more information and topics related to car insurance.

How car insurance rates are calculated

When searching and comparing car insurance quotes, it can be frustrating trying to understand how your insurance rates are calculated. While there is no exact formula that each car insurance company uses when providing you a quote, there are many factors that do contribute to the price you pay for your insurance. Among the factors that car insurers consider are:

  • Your driving record
  • How much you drive
  • Location
  • Age
  • Marital status
  • Gender
  • Your car’s make, model and year
  • Your credit history (in some states)
  • Amount of car insurance coverage (required coverage and optional add-ons, such as collision and comprehensive)

One of the biggest misunderstanding when it comes to insurance rates is that the history of drivers in your area also contributes to how much you pay. For instance, even if you go two years without an accident, if there were a lot of accidents near you recently, your rates might still go up. Why is that the case?

Insurance companies disperse risk across all policyholders so that when it comes time to pay a claim, they have enough money to pay out. But imagine a scenario where they only raised rates for drivers with an accident. For drivers who had an expensive claim, the drivers simply wouldn't be able to afford the raised rates that are based off how much their insurer had to pay after an accident. So instead, insurance companies slightly increase rates across the board to offset the costs, though of course the at-fault driver may see a larger increase.

How much car insurance do I need?

You certainly don’t want to be underinsured or uninsured while staring at a claim after a car accident or other damage to your car. But at the same time, there’s no sense in paying for more coverage than you need, right? So it begs the question: How much car insurance coverage do you actually need?

The answer, as frustrating as it may be, is it depends. For example, someone insuring a brand-new, leased car is likely required to purchase collision and comprehensive coverage, but for someone driving an older car that doesn’t have much value, it may not make sense to purchase optional coverage. Plus, states have different car insurance requirements. There are 12 no-fault states that require its drivers to purchase personal injury protection (PIP).

So when it comes to determining what car insurance coverage and limits you should purchase, it’s important to do your research. Talk with an insurance agent or your insurance company to determine what makes the most sense for your situation.

How to save money on your car insurance

At the end of the day, we’d all like to have the best coverage at a cheap, affordable price. While you never want to sacrifice quality to save a couple of dollars, there are some different ways you can lower your car insurance premium.

Here are six ways you may be able to lower your car insurance rates:

  • Bundle your car insurance with other policies
  • Consider raising your deductibles
  • Pay your car insurance policy in full
  • Try usage-based car insurance
  • Monitor price changes to your policy
  • Shop for better insurance rates

How we rank car insurance companies

Wondering how Clearsurance determines scores for insurance companies? Our algorithm analyzes a range of inputs from our community of unbiased insurance customers, including:

  • Cost
  • Customer Service
  • Overall Experience
  • Claim service
  • Purchasing experience
  • Likelihood to recommend

Guide to understanding car insurance

Whether you’re buying your insurance direct or going through an agent, understanding the different car insurance coverage options is a must. Do you know what is covered by comprehensive coverage? Are you familiar with uninsured motorist coverage? Do you know how a deductible works?

We want to make sure you’re equipped with a proper knowledge of car insurance, so check out our practical guide to understanding car insurance. Looking for more educational information about car insurance? Check out our blog for more information and topics related to car insurance.

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