Get Back on the road Regardless of Your Driving History
Where Can I Get SR-22 Insurance?
At American Auto Insurance, we believe that everyone is entitled to low-cost auto insurance regardless of their driving record. We specialize in helping drivers obtain what they need. Our company not only offers the affordable SR-22 insurance, but we also have an easy application process with no credit check required.
American Auto Insurance's online application form takes only a few minutes. When you work with American Auto Insurance, you'll receive instant proof of coverage the very same day.
three easy steps
The Illinois Secretary of State’s office will notify you if you need an SR-22. Contact an auto insurance company (we'd love to help!) to get your insurance quotes.
Be aware that not all auto insurance companies can help, American Auto Insurance provides cheap SR-22 insurance in Chicago and throughout Illinois.
Once you’ve secured a policy, your insurance company will file the form with the Illinois Secretary of State office.
It can be filed as a paper document or electronically.
We prefer to use electronic filing because it is much faster, efficient, and gets you on the road.
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 fast can I receive proof of filing after requesting a quote?
- Once your quote and policy are finalized, American Auto Insurance files your SR-22 electronically the same day, providing instant proof for most customers.
- The Illinois Secretary of State usually processes filings within two to three business days, meaning you can expect full confirmation shortly after submission.
Do you offer non-owner policies?
- Yes, American Auto Insurance offers non-owner policies for drivers who don’t own a vehicle but still need to meet Illinois’ financial responsibility requirements.
- These policies provide liability coverage when driving borrowed or rented vehicles, and applicants should disclose any violations from the past five years to ensure accurate eligibility and pricing.
What Is SR-22 Insurance?
- SR-22 insurance isn’t actually a type of insurance—it's a filing of a state-mandated certificate that proves you have the required minimum auto liability coverage.
- This certificate serves as proof that your auto insurance policy satisfies the state's minimum requirements. If you must have one, your insurance provider files the form with the state on your behalf, confirming that you’re financially responsible to drive.
Do I Need an SR-22 in Chicago?
- It isn’t for everyone; it’s only required if the State of Illinois considers you a high-risk driver, such as after a DUI, driving without insurance, or a license suspension.
- The State of Illinois will notify you if you're required to carry SR-22 car insurance. In many cases, you’ll need to file an SR-22 to reinstate a suspended or revoked driver’s license.
Are SR-22s Issued By The State of Illinois?
According to information on the Secretary of State’s website, “To obtain an SR-22, you must contact an insurance company authorized to write SR-22 policies for Illinois.”
You must connect with a private auto insurance company like American Auto Insurance who can submit a “Financial Responsibility Certificate” on your behalf.
How Much Does It Insurance Cost?
Cost may vary depending on a number of factors, such as your age, location, and driving history. Since an SR-22 is intended for high-risk drivers, it is not always offered by large auto insurance companies.
Give us a call at 773-286-3500 or get a quote to see the amount you will pay.
