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Do you need SR-22 insurance? An SR-22 is neither a type of insurance or a policy. SR-22 is a document that is issued from your car insurance carrier to the Illinois Secretary of State. The SR-22 form basically states that you have active liability insurance required by law in place.
WHAT IS REQUIRED UNDER ILLINOIS LAW?
When it comes to SR-22 insurance, Illinois residents who are require to buy this type of auto insurance certificate by the Illinois Secretary of State will need minimum liability insurance in the amounts of:
- $25,000 of bodily injury liability insurance per person
- $50,000 of bodily injury insurance liability insurance per accident
- $20,000 of property damage coverage
- $25,000 per person and $50,000 total per accident in underinsured and uninsured motorist coverage
How Much Does SR-22 Insurance Cost?
In Illinois, an SR-22 certificate is merely a certificate of insurance that is added to your existing car insurance policy. Some insurers charge a small fee to file the SR-22 certificate electronically with the State of Illinois. Read more about How Much Does SR-22 Insurance Cost in Illinois.
How to Check Your SR-22 Insurance Status in Illinois?
A common question drivers in Illinois have is how to tell whether or not they need SR-22 Insurance. Typically, the state of Illinois mandates SR-22 for drivers who have been involved in the following:
- A DUI or DWI
- Any serious moving violation
- Driving without insurance
- Involved in an accident without insurance
- Repeat traffic offenses
- A revoked or suspended drivers license
In Illinois, SR-22 is court ordered. This means that you should only request SR-22 filing if the state of Illinois mandates you to.
Typically, a traffic judge will notify you in court of SR-22 requirements. If not, the State of Illinois sends an official letter to your home address.
If you are still not sure whether or not you need SR-22 filing, you can contact the Illinois Secretary of State Drivers License Department at (888) 261-5238.
Need an SR-22 But Don’t Own a Car? You May Need Non Owners SR-22…
The SR-22 insurance certificate is usually added to one of the following forms of insurance:
Operator’s Certificate. This insurance covers the motorist in the operation of any non-owned vehicle.
Owner’s Certificate. This insurance covers the vehicle owned by the driver. The specific vehicle must be listed on the SR-22 or may be issued for all owned vehicles.
Operators-Owners Certificate. This insurance covers all vehicles owned or non-owned by the driver.
Non Owners SR-22 Insurance
Non owners insurance protects you from liability claims that arise when you drive a borrowed vehicle on an occasional basis. In Illinois, Non owners insurance is secondary coverage that helps to pay claims in the case you cause an accident that results in bodily injury or property damage.
A common misconception is that non owners insurance covers any vehicle you drive. This is simply not true.
In Illinois, any vehicle that you drive MUST be insured by its owner. Non owners insurance does not provide coverage on a specific vehicle.
If the State of Illinois requires you to obtain SR-22 insurance, but you do not own a vehicle, nor do you drive a vehicle on regular basis, non owners insurance is the best option for you.
How to Get Instant SR-22 Insurance Today.
There aren’t many options when looking for SR-22 insurance in Illinois. Insured ASAP has options for all types of drivers looking for affordable SR-22 insurance. We provide cheap SR-22 insurance in:
- Chicago, IL.
- Naperville, IL.
- Aurora, IL.
- Joliet, IL.
- Rockford, IL.
- Springfield, IL.
- Peoria, IL.
- Elgin, IL.
- Waukegan, IL.
- Champaign, IL.
Contact our office today for an 3-min SR-22 insurance quote over the phone. Start your SR-22 insurance for as low as $37 down and $22 per month. Insured ASAP and it’s auto insurance carriers electronically file SR-22 to the State of Illinois instantly and we can get your SR-22 certificate emailed to you within minutes.