How Much Does SR22 Insurance Cost in Illinois

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sr22 insurance costs illinois

How Much Does SR22 Insurance Cost in Illinois

Life can throw us all for a loop sometimes and even when we are trying our best, we can mess up.  If you have recently had your license revoked or suspended, you may have been told you need an SR22 in Illinois. But you have no idea what an SR22 is or where to get one. 

If you’re in search for cheap SR22 insurance in Illinois or Indiana, you’ve come to the right place.  Insured ASAP Insurance Agency provides cheap SR22 insurance quotes in minutes – Whether online or by phone!

Of course, it costs you nothing to get a free insurance quote.  Get your free insurance quote 3 easy ways:

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SR22 Explained

We know you have questions and we are here to help! To get an Illinois SR-22 insurance certificate, first, you must have a car insurance policy that meets the state’s minimum liability insurance coverage. When you get a policy with Insured ASAP, we submit the necessary verification document to the state of Illinois confirming you have coverage.

Why Do You Need SR22 Insurance?

Situations such as failing to have the proper level of insurance, drunk driving or reckless driving can lead to a suspended or revoked license.  Once this happens, the State of Illinois requires an SR22 filing to reinstate your driver’s license.  A few reasons why an Illinois judge or court would require you to obtain SR22 filing include:

  • Driving without insurance
  • Accident without insurance
  • DUI
  • DWI
  • Accident with a death
  • Multiple traffic violations
Typically, an SR22 filing deadline may be set.  This is generally about 30 to 60 days after a conviction.  If an SR22 certificate is not filed prior to this deadline, your license is subject to be suspended.  It is important to file your SR22 before the suspension date to avoid conflicts with driving with a suspended license and a possible drivers license reinstatement fee.
 

How Long Do You Need to Have SR22 Insurance in Illinois?

The State of Illinois requires a minimum of 3 years to maintain SR22 filing.  If your policy lapses or is canceled, your car insurance company is required to inform the Illinois Secretary of State immediately, and your license will be suspended again.  To avoid a sticky situation or further suspension of your license, it is essential to make your monthly insurance payments on time.

How Much Does SR22 Insurance Cost in Illinois?

how much does sr22 insurance cost illinois

Non owners SR22 insurance in the state of Illinois starts at $19.00 per month for drivers with favorable conditions.  Younger drivers and drivers living in zip codes with higher rates of car accidents can expect to pay upwards of $34.00 per month.

Own a vehicle?  If so, your car MUST be insured in Illinois for state minimum liability limits.  With this in mind, adding SR22 filing to a car insurance policy may increase the rate by just a few dollars.  Check out a study done by Insured ASAP on Cost of Car Insurance in Chicago, IL.

What to Expect After Getting Illinois SR22 Insurance

Having an SR-22 doesn’t mean your driving status is at risk. You can still drive with the certificate as long as your driving privileges have not been revoked. 

During the time that you have an SR-22, it’s of extreme importance that you maintain a good driving record. Always focus on driving slower and safer, obeying all traffic rules and regulations, and avoid driving after drinking or while under the influence of drugs. 

Average SR22 Insurance Costs Per Month

The cost of SR22 insurance is based on a variety of factors. First, you have to have an auto insurance policy in place. You may pay more for the insurance depending on your driving record, age, and other factors. If you are seen by the insurance carrier as a high-risk driver, your rates may be a little higher.  Then there is a fee for the SR22 which will depend on the driver. 

If you don’t own a car and need SR22, non owners SR22 insurance is your best bet.  This policy was designed for those who have been mandated to obtain coverage, but do not own a vehicle.  Non owners SR22 average costs are about $19 per month.

Let Insured ASAP Help You Get Cheap SR22 Insurance

Contact us today for fast, affordable SR-22. SR-22 insurance costs as low as $19 per month. Call (800) 641-7488 today for a 3 min phone quote! 

We help residents in ChicagoJolietAuroraElginRockford and throughout Illinois and Indiana obtain affordable SR22 insurance.

Read More:  SR22 Insurance: Your Questions Finally Answered

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