SR-22 Insurance in Illinois

First off, it should be known that SR-22 Insurance is not an insurance policy. It is a form that is often required for drivers who have had their driver’s licenses suspended. License suspensions that can require a person to have an SR-22 include multiple traffic offenses, driving without insurance, a person’s license plates being expired, obtaining a high number of points on their driving record, and also DUI or DWI convictions.

What Is An SR-22 In Illinois?

An SR-22 is a certificate that proves financial responsibility. It is filed with the Secretary of State in Illinois. What an SR-22 does is notifies the Secretary of State that you have the minimum limits for liability insurance and have met the requirements put forth by the state. If you do not file an SR-22 by a certain date, you may find that your driver’s license has been suspended. Penalties for people driving on a suspended license can be severe, but be sure to keep in mind that Illinois Auto Insurance provides free quotes for car insurance that can help you get the best prices for car insurance available for your situation.

How To Get SR-22 Insurance In Illinois

Getting this type of insurance in the state of Illinois can mean shopping around. People are often required to have their SR-22 filed each year for a minimum of three years. This can depend on your driving record when you are required to file your SR-22, however. Check your paperwork and confirm the length of time with the Secretary of State. If you do not file for every year needed, there could be additional penalties.

Get free quotes from the many companies at Illinois Auto Insurance to find the best prices for car insurance in Illinois for you. Some auto insurance companies might not provide you with an insurance quote because of your SR-22 status. In some cases, you may need to get quotes with a company that accepts higher-risk drivers. People who are required to file an SR-22 may also pay more for automobile insurance in general.

Cost Of SR-22 Insurance In Illinois

SR-22 Insurance does not have an additional cost to it. That said, you will need to purchase liability coverage or full coverage insurance, and the amount you will be paying for these may be higher on average due to your driving record or status as a higher risk driver. Other variables also impact what a person will pay for SR-22 insurance.

Non-Owner SR-22 Insurance In Illinois

If a person needs to have their driver’s license reinstated for work purposes, but they do not own a car, it is possible to get nonowner SR-22 insurance. Nonowner SR-22 will cover you as a driver of any vehicle you do not own. This includes vehicles that you borrow and vehicles that you rent, among other things. Instead of being insured for a specific vehicle, you are covered in a different way. If the standard policy for SR-22 insurance is too expensive, getting a nonowner plan that satisfies SR-22 can cost considerably less. This policy only covers your liability as a driver, which helps to lower the costs. Many people choose to go this route to save money while their three-year SR-22 insurance requirement happens.

Final Notes 

Regardless of which direction you choose to go, however, Illinois Auto Insurance provides free quotes on car insurance policies to help you get the best prices for auto insurance available. Saving money on car insurance can be incredibly helpful, and driving without an insurance policy when you have an SR-22 requirement can lead to stiff consequences and harsher penalties. Get a plan at Illinois Auto Insurance to avoid these penalties and expenses and satisfy your SR-22 requirements.