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Illinois SR-22 Insurance

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SR-22 Insurance Illinois: Navigating your Certificate of Financial Responsibility

Have you experienced a lapse in your driving privileges or auto insurance coverage? If so, you’re likely required by the Illinois Secretary of State to obtain SR-22 car insurance.

American Auto Insurance understands the complexity and frustration of working to get your driving privileges reinstated. A vital aspect of the process is finding affordable auto insurance. We offer some of the cheapest SR-22 insurance in Illinois so you can get back on the road legally and safely—without breaking the bank.

Need Illinois SR-22 insurance quotes? Get a fast and free quote.

What is SR-22 Insurance?

An SR-22 bond is an official document that most states, including Illinois, require for high-risk auto insurance policies. Also called a Certificate of Financial Responsibility, the SR-22 form verifies a high-risk driver has obtained car insurance that meets the state’s minimum requirements.

sr-22 form from Illinois Secretary of State

SR-22 Insurance Form From Illinois Secretary of State

What is an SR-22?

The SR in SR-22 stands for “safety responsibility.” All drivers are legally required to have up-to-date auto insurance. In the event of an accident, your insurance covers any expenses as a result of damage to your vehicle or others’ vehicles, as well as any tinjuries to drivers, passengers, or pedestrians. 

An SR-22 form is also called a Certificate of Financial Responsibility. It’s an insurance certificate that shows that you have financial responsibility for accidents, damage, or injuries that occur when you’re behind the wheel.

SR-22 Insurance, Explained

Technically, an SR-22 is not a type of insurance policy itself. An SR-22 is a document or form proving to the state of Illinois that you have an auto insurance policy. For drivers who are considered high-risk or have had their license revoked, the state requires an SR-22 form, or Certificate of Financial Responsibility, along with the policy you have purchased. 

A policy requiring an SR-22 will meet the Illinois’ requirements for minimum liability auto insurance. If you have an SR-22, your auto insurance company must notify the state if your insurance policy expires or goes unpaid. The state can then suspend or revoke your driver’s license. This keeps high-risk driver accountable to maintain their auto insurance.

police officer interacting with driver

Why do I need an SR-22?

SR-22 auto insurance documentation is typically required for high-risk drivers who have had a license revoked or have committed certain violations. In Illinois these include:

  • Multiple traffic violations
  • Driving without auto insurance
  • A DUI conviction
  • Expired license plates
  • A revoked or suspended driver’s license
  • Excessive unpaid tollway fares
  • Failing to maintain a previous SR-22 policy for at least 3 years

If you’re required to obtain SR-22 insurance, the Illinois Secretary of State office will let you know. If you’re not sure whether you need an SR-22 or are still required to have one, contact the Illinois Secretary of State office at 800-252-8980. 

How do I get SR-22 insurance?

You can obtain your SR-22 form, or Certificate of Financial Responsibility, from your auto insurance company upon purchasing your policy. At American Auto Insurance, we help customers make sure they’re meeting Secretary of State Illinois SR-22 requirements.

  1. The Illinois Secretary of State’s office will notify you if you need an SR-22. Then, contact an auto insurance company to get your SR-22 insurance quotes. Be aware that not all insurance companies provide SR-22 insurance, so you’ll need to find one that does. American Auto Insurance provides cheap SR-22 insurance in Chicago. Contact us for a quote.
  2. Once you’ve secured an auto insurance policy, your insurance company will file an SR-22 form with the Illinois Secretary of State office. The SR-22 form can be filed as a paper document or electronically. At American Auto Insurance, we use electronic filing to ensure your SR-22 is done quickly and easily.
  3. After the form has been filed and processed, the state of Illinois will notify you. You will have your driver’s license and vehicle registration (if applicable) reinstated. 

How long will I need SR-22 insurance in Illinois?

If you have an SR-22 in Illinois, you must maintain it for 3 years. This means your auto insurance policy must continuously be current and paid. If your policy expires or there is a lapse in your coverage, your auto insurance provider is required to alert the state. The state can then revoke or suspend your driving privileges, and you will need to start the process over again.

You must renew your SR-22 insurance at least 45 days in advance of your policy’s expiration to avoid future driver’s license suspensions. At 15 days before your policy’s expiration date, your auto insurance provider must let the state know if you have not yet renewed. 

When you’ve successfully completed your 3 years of SR-22 insurance, you will need to let your auto insurance company know you no longer require it. This may mean you get a different policy altogether. At that time, it’s smart to talk to your auto insurance agent about finding a lower-cost policy.

How much does SR-22 insurance cost?

mother driving with children in the car

Getting your driving privileges reinstated will require you to pay the necessary fees for a driver’s license and registration. Aside from that, your SR-22 insurance policy cost, like that of any auto insurance policy, will be based on a variety of factors. 

Because SR-22 insurance is required for high-risk drivers specifically, these policies sometimes carry higher premiums. For this reason, it’s important to choose an auto insurance provider who understands the SR-22 process and can give you a cheap SR-22 insurance policy—helping you get back on the road while saving you money.

Non-owner SR-22 insurance in Illinois

Do you need your driver’s license reinstated for work or other purposes, but you don’t currently own a car? Or maybe you need a less expensive path to obtaining SR-22 insurance so you can start driving again? Non-owner SR-22 insurance is an option.

With a standard SR-22 insurance policy, you’re covered as the owner and primary driver of a specific vehicle. Non-owner SR-22 insurance, on the other hand, will cover you as a driver of any vehicle you do not own, such as a car you rent or borrow.

Non-owner SR-22 insurance costs considerably less since it only covers your liability as a driver. If standard SR-22 insurance is too expensive, a non-owner SR-22 insurance policy is a great way to save money while meeting your 3-year SR-22 insurance requirement. 

To qualify for a non-owner policy you must meet the following qualifications:

  • Meet state’s other requirements for having your driver’s license reinstated.
  • Do not currently own a vehicle.
  • Not permitted to drive the vehicle of any driver within your household (such as significant other, roommate, or family member).

Cheap SR-22 insurance Illinois

Going through the ordeal of having your driver’s license revoked or suspended can be stressful and expensive. Between the requirements and cost, it can feel like a never-ending cycle. Choosing the right auto insurance company can make your reinstatement process easy on you and easy on your wallet.

At American Auto Insurance, we want you safely behind the wheel again as soon as possible. Our cheap SR-22 insurance helps achieve that. 

Need cheap SR-22 insurance Chicago? Get a fast and free quote.

Have additional questions? American Auto Insurance can help.

If you want to know more about coverage for SR-22 Chicago or SR-22 Illinois, cheap SR-22 insurance, or what the best options might be for you, contact American Auto Insurance. We’ll help you get back on the road legally and safely.

Need SR-22 or Auto Insurance?

Policeman shaking hands with a driver

Call (800) 483-4868

SR-22 Insurance Illinois: Navigating your Certificate of Financial Responsibility

Have you experienced a lapse in your driving privileges or auto insurance coverage? If so, you’re likely required by the Illinois Secretary of State to obtain SR-22 car insurance.

American Auto Insurance understands the complexity and frustration of working to get your driving privileges reinstated. A vital aspect of the process is finding affordable auto insurance. We offer some of the cheapest SR-22 insurance in Illinois so you can get back on the road legally and safely—without breaking the bank.

Need Illinois SR-22 insurance quotes? Get a fast and free quote.

What is SR-22 insurance?

sr-22 form from Illinois Secretary of State

SR-22 Insurance Form

An SR-22 bond is an official document that most states, including Illinois, require for high-risk auto insurance policies. Also called a Certificate of Financial Responsibility, the SR-22 form verifies a high-risk driver has obtained car insurance that meets the state’s minimum requirements.

What is an SR-22?

The SR in SR-22 stands for “safety responsibility.” All drivers are legally required to have up-to-date auto insurance. In the event of an accident, your insurance covers any expenses as a result of damage to your vehicle or others’ vehicles, as well as any tinjuries to drivers, passengers, or pedestrians. 

An SR-22 form is also called a Certificate of Financial Responsibility. It’s an insurance certificate that shows that you have financial responsibility for accidents, damage, or injuries that occur when you’re behind the wheel.

SR-22 Insurance, explained

Technically, an SR-22 is not a type of insurance policy itself. An SR-22 is a document or form proving to the state of Illinois that you have an auto insurance policy. For drivers who are considered high-risk or have had their license revoked, the state requires an SR-22 form, or Certificate of Financial Responsibility, along with the policy you have purchased. 

A policy requiring an SR-22 will meet the Illinois’ requirements for minimum liability auto insurance. If you have an SR-22, your auto insurance company must notify the state if your insurance policy expires or goes unpaid. The state can then suspend or revoke your driver’s license. This keeps high-risk driver accountable to maintain their auto insurance.

Why do I need an SR-22?

police officer interacting with driver

SR-22 auto insurance documentation is typically required for high-risk drivers who have had a license revoked or have committed certain violations. In Illinois these include:

  • Multiple traffic violations
  • Driving without auto insurance
  • A DUI conviction
  • Expired license plates
  • A revoked or suspended driver’s license
  • Excessive unpaid tollway fares
  • Failing to maintain a previous SR-22 policy for at least 3 years

If you’re required to obtain SR-22 insurance, the Illinois Secretary of State office will let you know. If you’re not sure whether you need an SR-22 or are still required to have one, contact the Illinois Secretary of State office at 800-252-8980. 

How do I get SR-22 insurance?

You can obtain your SR-22 form, or Certificate of Financial Responsibility, from your auto insurance company upon purchasing your policy. At American Auto Insurance, we help customers make sure they’re meeting Secretary of State Illinois SR-22 requirements.

  1. The Illinois Secretary of State’s office will notify you if you need an SR-22. Then, contact an auto insurance company to get your SR-22 insurance quotes. Be aware that not all insurance companies provide SR-22 insurance, so you’ll need to find one that does. American Auto Insurance provides cheap SR-22 insurance in Chicago. Contact us for a quote.
  2. Once you’ve secured an auto insurance policy, your insurance company will file an SR-22 form with the Illinois Secretary of State office. The SR-22 form can be filed as a paper document or electronically. At American Auto Insurance, we use electronic filing to ensure your SR-22 is done quickly and easily.
  3. After the form has been filed and processed, the state of Illinois will notify you. You will have your driver’s license and vehicle registration (if applicable) reinstated. 

How long will I need SR-22 insurance in Illinois?

If you have an SR-22 in Illinois, you must maintain it for 3 years. This means your auto insurance policy must continuously be current and paid. If your policy expires or there is a lapse in your coverage, your auto insurance provider is required to alert the state. The state can then revoke or suspend your driving privileges, and you will need to start the process over again.

You must renew your SR-22 insurance at least 45 days in advance of your policy’s expiration to avoid future driver’s license suspensions. At 15 days before your policy’s expiration date, your auto insurance provider must let the state know if you have not yet renewed. 

When you’ve successfully completed your 3 years of SR-22 insurance, you will need to let your auto insurance company know you no longer require it. This may mean you get a different policy altogether. At that time, it’s smart to talk to your auto insurance agent about finding a lower-cost policy.

How much does SR-22 insurance cost?

mother driving with children in the car

Getting your driving privileges reinstated will require you to pay the necessary fees for a driver’s license and registration. Aside from that, your SR-22 insurance policy cost, like that of any auto insurance policy, will be based on a variety of factors. 

Because SR-22 insurance is required for high-risk drivers specifically, these policies sometimes carry higher premiums. For this reason, it’s important to choose an auto insurance provider who understands the SR-22 process and can give you a cheap SR-22 insurance policy—helping you get back on the road while saving you money.

Non-owner SR-22 insurance in Illinois

Do you need your driver’s license reinstated for work or other purposes, but you don’t currently own a car? Or maybe you need a less expensive path to obtaining SR-22 insurance so you can start driving again? Non-owner SR-22 insurance is an option.

With a standard SR-22 insurance policy, you’re covered as the owner and primary driver of a specific vehicle. Non-owner SR-22 insurance, on the other hand, will cover you as a driver of any vehicle you do not own, such as a car you rent or borrow.

Non-owner SR-22 insurance costs considerably less since it only covers your liability as a driver. If standard SR-22 insurance is too expensive, a non-owner SR-22 insurance policy is a great way to save money while meeting your 3-year SR-22 insurance requirement. 

To qualify for a non-owner policy you must meet the following qualifications:

  • Meet state’s other requirements for having your driver’s license reinstated.
  • Do not currently own a vehicle.
  • Not permitted to drive the vehicle of any driver within your household (such as significant other, roommate, or family member).

Cheap SR-22 insurance Illinois

Going through the ordeal of having your driver’s license revoked or suspended can be stressful and expensive. Between the requirements and cost, it can feel like a never-ending cycle. Choosing the right auto insurance company can make your reinstatement process easy on you and easy on your wallet.

At American Auto Insurance, we want you safely behind the wheel again as soon as possible. Our cheap SR-22 insurance helps achieve that. 

Need cheap SR-22 insurance Chicago? Get a fast and free quote.

Have additional questions? American Auto Insurance can help.

If you want to know more about coverage for SR-22 Chicago or SR-22 Illinois, cheap SR-22 insurance, or what the best options might be for you, contact American Auto Insurance. We’ll help you get back on the road legally and safely.

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