SR-22 Insurance in Illinois

Need an SR-22 in Illinois? An SR-22 isn't a type of insurance — it's a certificate your insurer files with the Illinois DMV proving you have the required liability coverage. The filing fee is typically $15-$50, but your insurance premiums will increase significantly. We help high-risk drivers find the cheapest SR-22 policies available.

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SR-22 in Illinois: What You Need to Know

$15-$50

Typical SR-22 Filing Fee

3 Years

Typical SR-22 Requirement

30-50%

Expected Premium Increase

25/50/20

Minimum Required Limits

When Is an SR-22 Required in Illinois?

DUI/DWI conviction — the most common reason for an SR-22 in Illinois
Driving without insurance — caught uninsured and need to prove future coverage
Too many violations — accumulating points on your Illinois driving record
At-fault accident while uninsured — must prove financial responsibility going forward
License reinstatement — required to get your Illinois license back after suspension

How to Get Cheap SR-22 Insurance in Illinois

Not every insurance company offers SR-22 policies, and rates vary dramatically between carriers for high-risk drivers. The key is comparing quotes from companies that specialize in non-standard/high-risk auto insurance. Call us at (888) 217-6781 — we work with carriers that offer competitive SR-22 rates in Illinois.

Cheapest SR-22-Friendly Companies in Illinois

Insurance Company	6-Month Premium	Monthly Cost
GEICO ⭐	$738	$123/mo
Progressive	$834	$139/mo
Country Financial	$858	$143/mo
State Farm	$912	$152/mo
Allstate	$1,110	$185/mo

Rates based on 2026 data for a 35-year-old driver with good credit and clean record. Your rate will vary.

More Illinois Auto Insurance Guides

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SR-22 Insurance in Illinois — FAQ

Who has the cheapest car insurance in Illinois?

GEICO offers the cheapest full coverage at $123/month in Illinois. Rates vary by driver — call (888) 217-6781 for a personalized comparison.

How much is sr-22 insurance in Illinois?

Full coverage in Illinois averages $163/month, liability-only averages $55/month. The cheapest option is GEICO at $123/month. Compare multiple quotes for your best rate.

Can I get a free sr-22 insurance quote in Illinois?

Yes — call (888) 217-6781 for a free, no-obligation quote. We compare 5+ carriers in Illinois to find your lowest rate in under 2 minutes.

Sources & Methodology

Our rate analysis is based on publicly available rate filings and industry data. We regularly update our research to ensure accuracy.

Rate data based on 2026 carrier rate filings analyzed by state insurance departments and third-party data providers including Quadrant Information Services.
Illinois Department of Insurance — official state insurance regulator for Illinois.
National Association of Insurance Commissioners (NAIC) — national insurance data and consumer resources.
Illinois Secretary of State — Illinois vehicle registration and licensing requirements.
Insurance Information Institute (III) — independent insurance education and research.
National Highway Traffic Safety Administration (NHTSA) — crash and safety statistics.
NHTSA FARS Database — fatal crash and DUI arrest data by state and locality.