If you live in Illinois and have been ordered to obtain SR22 insurance, you may be feeling overwhelmed and unsure of what steps to take next. SR22 insurance, also known as a certificate of financial responsibility, is a form that is filed with the state to prove that you have the required auto insurance coverage. It is often required for drivers who have been convicted of certain traffic offenses, such as DUIs or driving without insurance. In this article, we will discuss everything you need to know about SR22 insurance in Illinois.

What is SR22 insurance?

SR22 insurance is not actually insurance itself, but rather a certificate that proves you have met the state's minimum requirements for auto insurance liability coverage. When you purchase an SR22 policy, your insurance provider will file the form with the Illinois Secretary of State's office on your behalf. This form is typically required for a certain period of time, which is determined by the severity of the offense that led to the requirement.
Who needs SR22 insurance in Illinois?

In Illinois, SR22 insurance is often required for drivers who have been convicted of certain traffic offenses, such as:

- Driving under the influence (DUI) of alcohol or drugs
- Reckless driving
- Driving without insurance
- Driving with a suspended or revoked license

If you have been ordered by a court or the Illinois Secretary of State to obtain SR22 insurance, you will be notified in writing. It is important to act quickly and comply with the requirements to avoid further penalties, such as having your driver's license suspended or revoked.

How do I get SR22 insurance in Illinois?

If you need to obtain SR22 insurance in Illinois, the first step is to contact an insurance provider that offers this type of coverage. Not all insurance companies offer SR22 policies, so it is important to find one that does. Your insurance agent can help you determine the type and amount of coverage you need to meet the state's requirements.

Once you have purchased an SR22 policy, your insurance provider will file the form with the Illinois Secretary of State's office on your behalf. The filing fee is typically around $25, which you will need to pay at the time of filing. Your insurance provider will also send you a copy of the form for your records.

How much does SR22 insurance cost?
The cost of SR22 insurance in Illinois can vary depending on several factors, including your driving record, age, and the type of vehicle you drive. In general, SR22 insurance is more expensive than standard auto insurance because drivers who require SR22s are considered high-risk. However, the cost of SR22 insurance is relatively small compared to the potential consequences of not having it, such as having your license suspended or revoked.

To save money on SR22 insurance, consider shopping around and getting quotes from multiple insurance providers. You may also be eligible for discounts if you have a clean driving record or if you take a defensive driving course.

How long do I need to have SR22 insurance in Illinois?
The length of time you are required to maintain SR22 insurance in Illinois is determined by the severity of the offense that led to the requirement. In general, SR22 insurance is required for a minimum of three years, but it can be longer depending on the specific circumstances of your case. It is important to continue carrying SR22 insurance for the entire length of time required to avoid further penalties.
What happens if I cancel my SR22 insurance?

If you cancel your SR22 insurance before the required length of time has passed, your insurance provider is legally obligated to notify the Illinois Secretary of State's office. This can result in your driver's license being suspended or revoked, as well as additional fines and penalties. It is important to maintain SR22 insurance for the entire length of time required to avoid these consequences.

In conclusion, SR22 insurance is a requirement for drivers in Illinois who have been convicted of certain traffic offenses. If you need to obtain SR22 insurance, it is important to act quickly and comply with the requirements to avoid further penalties. By working with an insurance provider that offers SR22 policies and maintaining the required coverage for the entire length of time, you can protect your driving privileges and avoid additional fines and penalties.