Insurance with an SR-22 in Illinois

The Zebra
Nov. 16, 2018

If you need an SR-22 for auto insurance in Illinois, you're not alone. This fairly common requirement is sometimes necessary after a violation like a DUI conviction, a citation for driving without insurance, an at-fault collision with substantial property damage, a citation for driving with a suspended license, or accumulating too many license points.

Finding inexpensive coverage with an SR-22 in Illinois might take some effort, but the savings are worth the trouble. We assessed how much an Illinois SR-22 will probably cost and how to get one — let's look at the details.


Get cheap insurance after an SR-22!



How much does Illinois SR-22 insurance cost?

Insurance with an SR-22 in Illinois can be pricey. This isn't a direct result of the SR-22 — filing fees are $15 to $35 — but thanks to the insurance cost increases caused by the violation that necessitated the SR-22.

Insurance companies charge risky clients more expensive premiums to account for the increased risk of an accident. The price increase you’ll receive may depend on the severity and number of the violations — below are typical car insurance prices with an SR-22 in Illinois.


ILLINOIS AUTO INSURANCE PREMIUMS AFTER COMMON CITATIONS
High-risk rating factorAverage annual rateIncrease vs. no violations
No citations$1,119.87
At-fault collision (>$2,000)$1,675.00$555.13
Speeding (21-25 mph > limit)$1,509.95$390.08
Reckless driving$2,401.82$1,281.95
Racing$2,669.00$1,549.13
Hit and run$2,411.27$1,291.40
DUI/DWI$2,535.73$1,415.86

If you'd like to find inexpensive car insurance with a SR-22, The Zebra is ready to help. Enter your ZIP code below to get personalized auto insurance quotes from top companies.


How to get an SR-22 in Illinois


Currently insured?

With an active insurance policy, obtaining an SR-22 certificate might be easy. Just call your insurance company ask them to file a SR-22 request for you. If your current auto insurance company isn’t willing to request an SR-22 certificate, you should shop for a new policy with a new insurance company.

For uninsured drivers:

When applying for auto insurance, you might be saddled with an up-front fee to have your prospective insurer file an SR-22 request for you and to cover your high-risk driving profile. Needing an SR-22 could disqualify you from buying insurance from some carriers, while others would be happy to cover you.

If you aren't a vehicle owner:

If you don't own a vehicle, getting an SR-22 can be difficult, as you'll need proof of insurance to obtain the document. In this scenario, you should apply for a non-owners policy before asking for an SR-22. A non-owners policy can be less expensive than traditional coverage since it doesn't protect against physical damages to your car.

Methodology and sources

Between September and December 2017, The Zebra conducted car insurance price analysis through its proprietary quote engine, including data from insurance rating platforms and public rate filings. The Zebra surveyed nearly 53 million premiums to identify trends for specific auto insurance rating factors across all U.S. ZIP codes, averaged by state, including Washington, D.C.

Learn more about SR-22 certificate requirements and how they impact car insurance rates.

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