If you have been told that you need SR22 insurance in Illinois, you may be feeling confused and unsure about what it is and why you need it. Don't worry - we're here to help. In this article, we will explain everything you need to know about SR22 insurance in Illinois, including what it is, who needs it, how to get it, and how much it will cost.

SR22 insurance is a special type of car insurance that is required for drivers who have been convicted of certain traffic offenses, such as driving under the influence (DUI) or driving without insurance. The purpose of SR22 insurance is to prove to the Illinois Secretary of State that you have the minimum required amount of liability insurance coverage in order to legally drive in the state.
Who Needs SR22 Insurance in Illinois?

In Illinois, there are several reasons why you may be required to have SR22 insurance. Some of the most common reasons include:

- DUI or DWI conviction
- Repeat traffic offenses, such as speeding or reckless driving
- Driving without insurance
- At-fault accidents without insurance
- Driving with a suspended or revoked license
- Court-ordered SR22 requirement

If you fall into any of these categories, you will likely be required to obtain SR22 insurance in order to have your driving privileges reinstated. The length of time that you will be required to carry SR22 insurance will vary depending on the specific offense and your driving record.

How to Get SR22 Insurance in Illinois

If you need SR22 insurance in Illinois, the first thing you will need to do is contact an insurance company that offers SR22 coverage. Not all insurance companies offer SR22 insurance, so be sure to ask specifically about this type of coverage when shopping for quotes.

Once you have found an insurance company that offers SR22 insurance, you will need to purchase a policy that meets the state's minimum liability insurance requirements. In Illinois, the minimum liability insurance requirements are:
- $25,000 for bodily injury per person
- $50,000 for bodily injury per accident
- $20,000 for property damage per accident

Your insurance company will file the SR22 form with the Illinois Secretary of State on your behalf. This form verifies that you have the required amount of liability insurance coverage in place.

How Much Does SR22 Insurance Cost in Illinois?
The cost of SR22 insurance in Illinois will vary depending on several factors, including your driving record, the reason you are required to have SR22 insurance, and the insurance company you choose. In general, SR22 insurance is more expensive than traditional car insurance because drivers who require SR22 insurance are considered high-risk by insurance companies.

On average, you can expect to pay an additional $15 to $25 per month for SR22 insurance on top of your regular car Cheap auto insurance premium. However, this cost can vary significantly depending on your individual circumstances.

It's important to shop around and compare quotes from multiple insurance companies in order to find the best rate for SR22 insurance. Some insurance companies specialize in SR22 insurance and may be able to offer you a better rate than traditional insurance companies.

How Long Do You Need SR22 Insurance in Illinois?

The length of time that you will be required to carry SR22 insurance in Illinois will depend on the specific offense for which you were convicted. In general, most drivers are required to carry SR22 insurance for a minimum of three years. However, this can vary depending on the offense and your driving record.

It's important to keep your SR22 insurance policy current and in force for the entire length of time that you are required to carry it. If your SR22 insurance policy lapses or is canceled for any reason, your insurance company is required to notify the Illinois Secretary of State, and your driving privileges may be suspended.

In conclusion, SR22 insurance is a special type of car insurance that is required for drivers who have been convicted of certain traffic offenses in Illinois. If you need SR22 insurance, be sure to contact an insurance company that offers this type of coverage in order to get your driving privileges reinstated. Remember to shop around for the best rate, keep your SR22 insurance policy current, and fulfill the required length of time for carrying SR22 insurance. By following these guidelines, you can navigate the process of SR22 insurance in Illinois with confidence and get back on the road safely.