If you need SR-22 insurance in Chicago, your cost will depend largely on whether you own a vehicle and why the SR-22 is required. Drivers with a DUI typically pay more than drivers who need a standard SR-22, while non-owner coverage can provide a more affordable option for people who do not own a vehicle.
At American Auto Insurance, we specialize in helping Illinois drivers find affordable SR-22 coverage and handle the required filing with the Illinois Secretary of State.
SR-22 Insurance Prices
Here are current SR-22 pricing examples from American Auto Insurance:
- SR-22 Non-Owner: $145 premium or approximately $12 per month
- SR-22 With a Car: $630 premium or approximately $53 per month
- SR-22 DUI Non-Owner: $203 premium or approximately $16 per month
- SR-22 DUI With a Car: $967 premium or approximately $80 per month
Your actual rate can vary based on your driving history, vehicle, coverage needs, and other factors. Contact American Auto Insurance for a personalized quote.
What Is SR-22 Insurance?
An SR-22 is not a separate type of insurance policy. It is a certificate filed by your insurance company with the Illinois Secretary of State showing that you maintain the required liability coverage.
Illinois may require an SR-22 after certain license suspensions, revocations, uninsured driving violations, DUI-related situations, or other qualifying offenses.
Drivers who own a vehicle generally need an owner SR-22 policy. If you do not own a vehicle, you may be able to purchase a non-owner SR-22 policy instead.
Non-Owner SR-22 Insurance
If you need an SR-22 but do not own a vehicle, non-owner coverage is the most affordable option.
A non-owner policy provides liability coverage when you drive vehicles you do not own, such as a borrowed vehicle. At American Auto Insurance, our current non-owner SR-22 pricing starts at a $145 premium, or approximately $12 per month.
Drivers with a DUI who do not own a vehicle can also obtain non-owner SR-22 coverage, with current pricing starting at a $203 premium or approximately $16 per month.
SR-22 Insurance With a Vehicle
Drivers who own a car need coverage that applies to their vehicle in addition to the SR-22 filing.
Current pricing from American Auto Insurance includes:
- SR-22 with a car: $630 premium or approximately $53 per month
- SR-22 DUI with a car: $967 premium or approximately $80 per month
Because every driver’s situation is different, getting a personalized quote is the best way to determine your actual cost.
What Affects the Cost of SR-22 Insurance?
Several factors can affect what you pay for coverage, including:
- Whether you own a vehicle
- Your driving record
- DUI or other serious violations
- The vehicle you insure
- Your selected coverage
- Your insurance history
A DUI or serious driving violation can result in higher premiums because insurers may consider you a higher-risk driver.
How Long Do You Need an SR-22 in Illinois?
Illinois generally requires drivers subject to an SR-22 requirement to maintain the filing for three years. Allowing the required insurance to expire or be canceled can result in another suspension of your driving privileges.
Because requirements can vary depending on your situation, check your notice from the Illinois Secretary of State and keep your coverage active for the required period.
Get an Affordable SR-22 Quote in Chicago
American Auto Insurance helps Chicago and Illinois drivers get the SR-22 coverage they need without making the process complicated. We offer options for drivers with and without vehicles, including those who need an SR-22 following a DUI.
Current pricing includes SR-22 non-owner coverage starting at approximately $12 per month and SR-22 DUI non-owner coverage starting at approximately $16 per month.
Contact American Auto Insurance at (773) 286-3500 or request an SR-22 quote online to get started.
