What Is Sr-22 Insurance?

SR-22 Insurance, or Financial Responsibility Insurance, is required in Illinois for individuals with safety responsibility suspensions, unsatisfied judgement suspensions, revocations, mandatory insurance supervisions, and individuals who receive three or more convictions for mandatory insurance violations.

SR-22 violations include:

driving without insurance

accident without insurance

driving under the influence (DUI)

driving on suspended, expired, or revoked driver's license

expired license plates

reckless driving

3 moving violations within a 12-month period

How to Get SR-22 Insurance

An SR-22 may be obtained by contacting an insurance company that is authorized to write SR-22 policies for Illinois. When payment is made to an insurance agency, the agent will submit a request for an SR-22 certificate to the central office. The SR-22 certificate will then be sent directly to the Secretary of State in Springfield. This process may take up to 30 days. Upon acceptance, the individual will receive a copy of the SR-22 from the insurance company and a letter from the Secretary of State. Once the insurance is accepted, it must be maintained for 36 months.

Types of SR-22 Certificates

Operator's Certificate- This policy covers the motorist in the operation of any non-owned vehicle. If the motorist does not own a vehicle, the financial responsibility requirement can be met through the Operator's Certificate.

Owner's Certificate- This policy covers vehicles owned by the driver. The type of vehicle must be listed on the SR-22.

Minimum Liability Limits

The SR-22 policy must meet the minimum liability requirement of Illinois. The minimum amount of coverage must be issued for at least $15,000 for property damage, $20,000 for one person killed or injured, and $40,000 for two or more persons killed or injured.

Cancelled or Expired SR-22 Insurance

If the SR-22 expires or is cancelled, the insurance company is required by law to notify the Safety and Financial Responsibility Section by an SR-26 Cancellation Certificate. Upon receipt, Safety and Financial Responsibility Section will then load a Type Action 05 suspension on the driving record. This suspension cannot be removed until the insurance filing has been reinstated.