SR22 Illinois Requirements
If you have a spotty driving record and recently faced a license suspension, you must have SR-22 insurance to prove you meet the state’s minimum liability insurance requirement. Otherwise, you cannot drive without insurance. Many people, however, struggle with this process because it is lengthy, costly, and stressful.
Insured ASAP Insurance is here to help you find affordable SR-22 insurance that meets all state requirements in Illinois. We want everyone to know the state requirements, duration of coverage, and cost, to understand the process of obtaining SR22 coverage in Illinois.
What Are the SR22 Illinois Requirements?
You must contact an insurance company with SR-22 policy certification and power of attorney on file to complete an SR-22 form. Then, you complete the SR22 certificate based on the three criteria:
- Operator’s Certificate: Covers the motorist for any non-owned vehicle.
- Owner’s Certificate: Covers the motorist for all owned vehicles.
- Operator’s-Owner’s Certificate: Covers all owned or unowned vehicles.
Once you submit an SR-22 request, processing may take up to 30 days. Once the Illinois Secretary of State processes your form, you will receive a copy of the SR22 certificate from the insurance company and a letter from the Secretary of State explaining the coverage plan. This certificate is valid until it expires or you renew your SR-22 plan.
What is the Average Cost of SR22 Insurance in Illinois?
SR-22 insurance costs differ depending on your driving record and insurance provider. The average cost of SR22 coverage ranges between $1000 to $2000. However, if you possess multiple traffic or insurance violations, such as driving under the influence, you may pay a higher deductible to meet the minimum liability requirements.
How Long Is SR22 Required in Illinois?
Motorists must provide proof of financial responsibility for car insurance coverage in Illinois. The Illinois Secretary of State requires SR22 filing for a period of no less than 3 years. However, the insurance company must notify the Safety and Financial Responsibility Section via SR-26 Cancellation Certificate if any sudden expiration or cancellation occurs. This cancellation results in an immediate license suspension, and the state will not remove it until the filing reinstates.
Owners of SR-22 insurance cannot have their driver’s license reinstated until they correctly file an SR-22 form that meets all SR-22 requirements.
Additionally, individuals who do not own a vehicle, but require SR22, can opt for a non-owners SR22 insurance policy.
Call Insured ASAP for Affordable SR22 Insurance Today!
Obtaining SR-22 coverage is a lengthy process, but fortunately, Insured ASAP is here to help you find affordable SR-22 insurance fast! Call us at 800-641-7488 to speak to a live representative. Once you re-obtain your license, call us for cheap car insurance. We work with multiple insurance companies to find low quotes to save time and money.
