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Illinois SR22 Insurance

Written by Michele Wilmonen. Posted in Research Last Updated: 11/29/2014

Don’t neglect your Illinois SR22 insurance or you could lose your driving privileges.

Illinois SR22 insurance gives you another chance to be able to drive, instead of automatically losing your driver's license.

Illinois SR22 insurance gives you another chance to be able to drive, instead of automatically losing your driver’s license.

Instead of automatically losing their driver’s license when they make a mistake behind the wheel, Illinois SR22 insurance offers drivers a 2nd chance to still be able to drive. Also known as a Financial Responsibility Certificate, SR22 insurance allows a driver to show the state that they can be a responsible driver during an allotted amount of time, similar to probation.

However, if a driver fails to follow the Illinois SR22 insurance requirements, the consequences are immediate and severe.

Why Would You Need Illinois SR22 Insurance?

If you need SR22 insurance in Illinois, the state will very clearly let you know. Most people that need an SR22 certificate because they have one or more of the following:

  • Three or more convictions for mandatory insurance violations
  • Safety responsibility suspensions
  • Unsatisfied judgment suspensions
  • Mandatory insurance supervisions
  • Revocations

Again, the state will advise you if you need SR22 insurance. So even if you do have one of the above, you don’t have to go out and get Illinois SR22 insurance quotes until you are told that you need to have it.

What Types of Illinois SR22 Insurance Are There?

SR22 insurance or Financial Responsibility Certificates are available in three different forms depending on which one meets your needs and satisfies your SR22 requirement from the state:

  1. Operator’s Certificate — covers the motorist operating a non-owned vehicle.
  2.  Owner’s Certificate — covers vehicles owned by the driver.
  3.  Operators-Owners Certificate — covers all vehicles owned or non-owned by the driver

How Much is SR22 Insurance in Illinois?

Illinois SR22 insurance can only be purchased through an insurance company that is authorized to write SR22 insurance in Illinois and also has a power of attorney on file with the state.  Because the insurance company does all the work of writing your policy, submitting the required request for an SR22 certificate with the state, and notifies the state of the status of your SR22 insurance for the time period that you have to have it they are the ones that decide how much to charge you for it.

This charge will vary from one insurance company to the next.

How Long Do You Need SR22 in Illinois?

If you are notified that you have to have an SR22 filing, you will have to have it for 3 years. If at any time you let your Illinois SR22 insurance expire, your driver’s license will be immediately suspended as soon as the state finds out.

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Michele Wilmonen

Michele’s first introduction to insurance was working for a major insurance company as a file clerk and a mailroom supervisor in a regional office. She learned insurance directly from underwriters and claims adjusters from questions and also watching them do their job. Since then, she’s earned a number of insurance certifications from the Insurance Institute of America and also a Bachelor’s degree from the University of Idaho. She blogs at Car Insurance Guidebook.

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