Insurance with an SR-22 in Illinois

If you need an SR-22 to get auto insurance in Illinois, you're not the only one. This fairly standard requirement is sometimes necessary after a driving citation such as a DUI conviction, a ticket for driving without proof of insurance, an at-fault collision with substantial property damage, driving with a suspended license, or accumulating too many license points.

Finding inexpensive coverage with a SR-22 in Illinois might require some effort, but it could be worthwhile. We explored how much money a SR-22 costs in Illinois and how to request one — let's dive into the details.

How much does Illinois SR-22 insurance cost?

Insurance with an SR-22 in Illinois can be expensive. This isn’t due to the cost of obtaining an SR-22 certificate — filing fees are usually $15 to $35 — but a product of the insurance cost increases caused by the citation that prompted the SR-22 in the first place.

Insurance companies bill high-risk drivers increased rates because of the heightened risk of having to pay out a claim after a collision. The rate increase you will face will depend on the frequency and severity of the violations — below are typical auto insurance rates for drivers with SR-22s in Illinois.

High-risk rating factorAverage annual rateIncrease vs. no violations
No violations$1,303
At-fault accident (>$2,000)$2,057$755
Speeding (21-25 mph > limit)$1,746$443
Reckless driving$2,025$722

If you are trying to find reasonably priced car insurance with a SR-22, The Zebra is here to help. Enter your ZIP code below to receive personalized auto insurance quotes from top companies.

How to acquire an SR-22 in Illinois

For currently insured drivers

If you possess an active auto insurance policy, obtaining an SR-22 should be easy. Call up your insurance company ask them to file a SR-22 request on your behalf. If your insurer declines to file a request, you should shop for a new policy with a new insurance company.

For uninsured drivers

When filing for a new policy, you might face an additional fee for the prospective insurer to file an SR-22 request form and to cover your more risky driving profile. Needing an SR-22 certification may disqualify you from purchasing insurance from some carriers, while others may happily sell you a policy.

If you don't own a vehicle

Needing an SR-22 might disqualify you from purchasing insurance from some companies, while others would be happy to sell you a policy.

For drivers without a vehicle

Not owning a car makes it more difficult to obtain an SR-22, as you will need to furnish proof of insurance to receive the certificate.. If this is the case, get a non-owners car insurance policy before filing an SR-22 request. Non-owners car insurance is often cheaper than a traditional policy since it doesn't cover physical damage to your car.


we conducted car insurance price analysis via its proprietary insurance quote engine, including data from rating systems and public rate filings. The Zebra analyzed almost 53 million premiums to examine trends related to specific car insurance pricing factors across all United States ZIP codes, averaged by state, including Washington, D.C.

Learn more about SR-22 certificate requirements and their impact on insurance costs.

Kristine Lee photo
Kristine LeeManager, Content and Data

Kristine is a licensed insurance agent who joined The Zebra in 2019 as an in-house content researcher and writer.

She is an authority on all things insurance and covers the ins and outs of auto, home, life and renters insurance. Her specialty is in providing data-backed insights and information to help insurance shoppers make informed decisions.

Kristine's insurance expertise and research have been cited by publications such as CNBC, Car and Driver, Business Insider, Yahoo!, The Balance, Nationwide and Elephant.