If you have been convicted of a DUI or other serious driving offense in Illinois, you may be required to obtain SR22 insurance. This type of insurance is often necessary for individuals who have had their driver's license revoked or suspended and need to prove to the state that they are financially responsible drivers.
What is SR22 Insurance?

SR22 insurance is a certificate of financial responsibility that is filed with the Illinois Secretary of State's office. It is not a type of insurance policy, but rather a document that proves to the state that you have the required amount of liability coverage. The purpose of an SR22 is to show that you are financially responsible for any damages or injuries that may occur as a result of an accident that you cause.
Who Needs SR22 Insurance in Illinois?

In Illinois, SR22 insurance is typically required for individuals who have been convicted of certain driving offenses, such as:

- DUI or DWI
- Reckless driving
- Driving without insurance
- Driving with a suspended or revoked license
- Multiple traffic violations within a short period of time

If you fall into any of these categories, you will likely be required to obtain SR22 insurance before you can have your driver's license reinstated.

How to Obtain SR22 Insurance in Illinois

To obtain SR22 insurance in Illinois, you will need to contact an insurance company that is authorized to provide this type of coverage in the state. Not all insurance companies offer SR22 insurance, so it is important to make sure that the company you choose has experience with this type of filing.

Once you have selected an insurance company, you will need to purchase a liability insurance policy that meets the minimum coverage requirements set by the state. In Illinois, the minimum coverage requirements for SR22 insurance are:

- $25,000 for bodily injury or death of one person
- $50,000 for bodily injury or death of more than one person
- $20,000 for property damage

After you have purchased the necessary insurance coverage, your insurance company will file the SR22 form with the Illinois Secretary of State's office on your behalf. The SR22 must be maintained for a specified period of time, which is typically three years. If you fail to keep your SR22 insurance current during this time, your driver's license could be suspended again.
Cost of SR22 Insurance in Illinois

The cost of SR22 insurance in Illinois can vary depending on a number of factors, including your driving record, the type of offense you were convicted of, and the amount of coverage you need. In general, however, SR22 insurance tends to be more expensive than standard auto insurance because it is considered high-risk coverage.

To get the best rate on SR22 insurance in Illinois, it is important to shop around and compare quotes from multiple insurance companies. Some insurance companies specialize in providing SR22 insurance and may be able to offer you a more competitive rate.

Benefits of SR22 Insurance

Although the cost of SR22 insurance may be higher than standard auto insurance, there are several benefits to having this type of coverage. By obtaining SR22 insurance, you can:

- Have your driver’s license reinstated: SR22 insurance is often a requirement for getting your license back after it has been revoked or suspended.
- Maintain your driving privileges: If you are caught driving without SR22 insurance, you could face serious consequences, including further suspension of your license or even jail time.
- Protect yourself and others: By having the required liability coverage, you can ensure that you are financially responsible for any damages or injuries that may occur in an accident that you cause.

Overall, SR22 insurance is a necessary requirement for individuals who have been convicted of serious driving offenses in Illinois. By understanding the purpose of SR22 insurance, how to obtain it, and the benefits of having this type of coverage, you can navigate the process more effectively and get back on the road with peace of mind.