Cheapest SR-22 Car Insurance in Illinois

Mercury offers the cheapest SR-22 insurance in Illinois at $38 monthly for minimum coverage, about 43% less than the state average of $67. For full coverage, American Family provides the best rate at $72.

Auto-Owners offers the cheapest non-owner SR-22 insurance in Illinois at $27 monthly or $319 annually. Non-owner insurance fulfills the state's minimum coverage requirements for people who need an SR-22 but don't own a car. 

The table below shows providers and their average costs for minimum coverage.

The average cost of car insurance in Illinois for drivers with an SR-22 is $802 for minimum coverage, 67% more than the $480 paid by those with clean records.

Full coverage for SR-22 drivers costs around $1,791 annually, 55% higher than the $1,153 paid by those with clean records.

An SR-22 form doesn't raise your insurance rates alone; your violation impacts the cost. The table below compares SR-22 insurance prices for common violations across age groups.

An SR-22 is a form showing you meet the required state minimum coverage. Drivers in Illinois with certain violations must file an SR-22 to get their license back. Insurers view these drivers as high-risk and charge them more for car insurance.

An SR-22, also called an SR-22 bond or certificate of financial responsibility, isn't an insurance policy. It's a certification your insurer files to confirm you have the necessary coverage that meet the reinstatement requirements under Illinois Financial Responsibility law.

Drivers must have an SR-22 for three years after serious traffic violations. This form shows Illinois officials you meet the state's minimum coverage requirements. To comply with SR-22 laws, you need these coverage limits:

• $25,000 personal injury liability per person
• $50,000 personal injury liability per accident
• $20,000 property damage liability per accident
• $25,000 underinsured/uninsured motorist coverage per person
• $50,000 underinsured/uninsured motorist coverage per accident

In Illinois, SR-22 certificates are usually required for three years.

Along with using an SR-22 for three years to comply with Illinois' minimum coverage laws, drivers must follow these other rules:

• Fees: You must pay a fee to regain driving privileges and file the SR-22 form to prove liability coverage.
• Insurers' policies: After an SR-22 filing, your current insurer may cancel or refuse to renew your policy, requiring you to find a new provider.
• Continuous coverage: You must maintain uninterrupted coverage during the three-year SR-22 period. Lapses can result in penalties or license suspension, as insurers must notify the state of coverage gaps.
• Relocation: If you move out of Illinois during the SR-22 period, coordinate with your insurer for out-of-state filing.
• Cancellation: After completing the three-year requirement, your insurer must file a financial responsibility cancellation with the state, confirming you’ve fulfilled the SR-22 obligation.

To reinstate your license after a serious violation, maintain continuous coverage during the SR-22 period. If you’re uninsured, get an SR-22 insurance quote. Securing a policy with an SR-22 can be challenging, as some insurers may cancel or deny coverage. Rates typically range from $300 to $1,200, so compare options carefully to find the best deal.

High-risk drivers may find fewer companies offering SR-22, often leading to limited choices and higher premiums. When getting an SR-22 insurance quote, check with your insurer for the exact fee amount if you're filing for the first time. Use the following tips to find cheaper SR-22 insurance:

Non-owner insurance covers people who drive frequently but don’t own a vehicle. It protects you when driving someone else’s car, covering third-party injuries or property damage if you cause an accident. This type of policy is ideal for those who rent cars often or drive for rideshare services. 

It’s usually more affordable than standard insurance. Comparing quotes from different insurers can help you find the best rates. If you buy a non-owner policy, your insurer can file an SR-22 form to meet state requirements. After maintaining coverage for three years, you may be eligible to reinstate your license.

Illinois residents with severe driving offenses need an SR-22 to show they carry minimum coverage. You must have this form for three years for serious or repeat offenses. Even though SR-22 insurance costs more, you can find cheap car insurance providers in Illinois.

Below are frequently asked questions about SR-22 certifications in Illinois:

MoneyGeek analyzed 127,836 quotes from nine companies across 258 ZIP codes to determine the average cost of car insurance for Illinois drivers of various profiles and needs.

Illinois Driver Profile

We collected data for a sample driver with the following attributes:

• 40-year-old male
• Driving record with a DUI or an at-fault accident causing $1,000 to $1,999 in property damage
• 2012 Toyota Camry LE
• 12,000 miles driven annually

Coverage Levels and Deductibles

We gathered quotes for minimum coverage policies to help drivers find the cheapest SR-22 insurance for their coverage needs. Quotes were based on Illinois' minimum coverage requirements, with the following limits:

• $25,000 personal injury liability per person
• $50,000 personal injury liability per accident
• $20,000 property damage liability per accident
• $25,000 underinsured/uninsured motorist coverage per person
• $50,000 underinsured/uninsured motorist coverage per accident

For the most affordable policy with comprehensive and collision coverage — also called full coverage — we used the following limits with a $1,000 deductible:

• $100,000 bodily injury liability per person
• $300,000 bodily injury liability per accident
• $100,000 property damage liability per accident

Learn more about MoneyGeek's car insurance methodology.