If you’re searching for the cheapest SR-22 insurance in Illinois, understanding the costs and requirements can save you time and money. Whether you’re in Chicago or anywhere else in the state, the price of SR-22 insurance depends on factors like your age, driving history, and the type of coverage you choose. In Illinois, drivers who require an SR-22 filing are often considered high-risk, which leads to increased premiums.
What is the Cost of SR-22 Insurance Per Month in Illinois?
The monthly cost of SR-22 insurance in Illinois varies depending on whether you choose non-owner SR-22 insurance, liability-only coverage, or full coverage. Below is a detailed breakdown of monthly costs:
Insured ASAP Insurance - Cheapest SR-22 Insurance in Illinois
Rates are as of 2025 and based on favorable rating conditions
| Driver Age | Non-Owner SR-22 Insurance | Liability Only SR-22 Insurance | Full Coverage SR-22 Insurance |
|---|---|---|---|
| 18 - 24 | $28 per month | $57 per month | $111 per month |
| 25 - 34 | $24 per month | $52 per month | $102 per month |
| 35 - 44 | $21 per month | $47 per month | $89 per month |
| 45 + | $22 per month | $49 per month | $93 per month |
These SR-22 insurance quotes are based on drivers with favorable conditions such as age, insurance history, zip code, location, credit, etc.
Does SR-22 Cover Any Car I Drive?
If you have a standard SR-22 attached to your car insurance, it typically only covers the vehicles listed on your policy. However, if you opt for non-owner SR-22 insurance, it can provide liability coverage for any vehicle you drive that you don’t own. This is a great option for those who frequently borrow or rent cars.
How Long is SR-22 Insurance Required in Illinois?
In Illinois, SR-22 insurance is generally required for three years. However, this duration can vary based on the offense that led to the SR-22 requirement. If you cancel your policy or let it lapse during this time, the clock resets, and you’ll have to restart the three-year period. Maintaining continuous coverage is crucial to fulfilling your obligation.
Cheapest SR-22 Insurance Options in Illinois
Fing the cheapest SR-22 insurance in Illinois often requires comparing quotes from multiple providers. Insured ASAP Insurance is the leading provider of cheap SR-22 insurance, including:
- Non-Owner SR-22 Insurance: Starting at $21/month, ideal for drivers without a vehicle.
- Liability-Only SR-22 Coverage: Meets Illinois minimum liability coverage on your vehicle, while keeping costs low.
- Full Coverage with SR-22: Offers comprehensive protection for financed or leased vehicles.
Where to Buy SR-22 Insurance Online in Illinois
You don’t have to visit an office to get SR-22 insurance. At Insured ASAP, you can quickly get a quote and purchase your policy online, saving you time and hassle. Our online platform helps drivers in Chicago and throughout Illinois find the coverage they need, whether it’s non-owner SR-22 insurance, liability-only, or full coverage.
Factors That Affect SR-22 Insurance Costs
Several key factors influence the cost of SR-22 insurance in Illinois. Understanding these elements can help you anticipate what to expect and potentially lower your premiums.
-
- Location: Where you live, including your state, ZIP code, and weather-related risks, can significantly affect your insurance rate. Areas with higher crime rates, traffic congestion, or severe weather conditions tend to have higher premiums.
- Driving Record: A clean driving record is one of the most important factors in determining your SR-22 insurance cost. Drivers with a history of accidents, speeding tickets, or DUIs typically face higher rates due to the increased risk they present.
- Age: Younger drivers, especially those under 25, typically pay more for SR-22 insurance. Statistics show that younger drivers are more likely to be involved in accidents, which increases their risk level.
- Gender: In general, women tend to have lower accident rates than men, so they often pay less for insurance.
- Marital Status: Married drivers usually receive lower premiums compared to single drivers, as studies show married individuals are less likely to file claims.
- Credit Score: Some insurers factor in your credit score when calculating premiums. A lower credit score can result in higher SR-22 insurance costs.
- Coverage Types and Limits: Opting for higher coverage limits or additional coverage types, like collision or comprehensive, will increase your insurance premium.
Tips for Lowering SR-22 Insurance Costs
- Compare Rates: Use our online tools to find the cheapest options for SR-22 insurance in Illinois.
- Consider Non-Owner Policies: If you don’t own a car, this is often the most affordable choice.
- Drive Safely: Avoid violations to prevent your premiums from rising further.
- Ask About Discounts: Defensive driving courses or bundling policies can reduce your costs.
Get Covered Today!
If you’re looking for the cheapest SR-22 insurance in Illinois, Insured ASAP Insurance is here to help. Start your quote online and get affordable coverage fast. Whether you need non-owner SR-22 insurance or full coverage in Chicago, we’ve got you covered.
Read more: https://www.ilsos.gov/publications/pdf_publications/dsd_sr84.pdf
