SR-22 Insurance in Illinois
Numbers refreshed
In Illinois: who needs a filing, how long the filing lasts, and the state fee.
- SR-22.The form the state requests.
- 25/50/20.The minimum liability limits.
- 29th of 51.by cost (1st means the highest).
The SR-22 rules that apply in Illinois
Illinois wants an SR-22 filing after a serious offense, and you keep it for 3 years.
In Illinois, SR-22 insurance is required after a suspension for safety responsibility or an unsatisfied judgment. It's also required after a revocation, mandatory insurance supervision, or three or more insurance-law convictions.
| Rule | Illinois |
|---|---|
| Form | SR-22 |
| Years you must keep it | 3 |
| State reinstatement fee | $70 |
| Liability it must prove | 25/50/20 |
Source: Financial Responsibility (SR-22) Insurance; Safety and Financial Responsibility Law.
How this affects what you pay
The filing costs little on its own. What drives your premium up is the offense behind it.
Based on the state rate guides we use, a single at-fault accident raises the price about 1.5 times.
At the Illinois liability average of $649, the cost works out to about $974 a year.
Ways to get a filing
- Ask your insurer to file it with the state; some companies don't do that.
- Don't own a car? You can put the filing on non-owner coverage.
- Keep paying the policy. The state hears about any lapse, and that can restart the clock.
First written