What Is SR22 Insurance In Illinois, And Why Do You Have To Get It?

Sherri Ramos

If you've been ordered to obtain SR22 insurance in Illinois, you probably want to find out exactly what it is, and how to get it. Below, you'll learn why SR22 is needed, how you can get it, and how you can transition into standard auto insurance again in the future. 

What is SR22?

SR22 is proof of insurance for a very specific type of auto coverage. The state of Illinois can require for drivers to obtain SR22 coverage if they are a risk to themselves or others while on the road. This type of coverage is designed to reduce the amount of people driving uninsured.

SR22 insurance includes the Illinois state minimums of coverage as follows.

  • Bodily Injury: $25,000 per person who was injured or killed
  • Bodily Injury: $50,000 per accident total, if multiple people were injured or killed
  • Property Damage: $20,000 per accident

When Do You Need SR22?

A judge orders SR22 in situations in which they feel it's warranted. This may include: 

  • Driving Under the Influence (DUI) or Driving While Intoxicated  (DWI) convictions
  • Reckless driving that caused a major accident
  • Excessive number of moving traffic violations
  • Driving without a license or with an invalid license
  • Driving without insurance coverage

Where Do You Get SR22 Insurance?

You can get SR22 insurance from an insurance agent, although not all insurance companies offer this type of specialized coverage. If your standard auto insurance agent doesn't offer this coverage, you may need to seek out a high risk insurer who focuses on SR22 coverage. Because SR22 coverage is considered high risk, it's more costly than standard auto insurance. You'll need to sign a contract with your SR22 insurance provider, stating that you will pay all money due on the policy until the contract is completed.

How Long Does Required SR22 Insurance Last?

Illinois requires drivers who maintain SR22 coverage to have this coverage for three years. Your insurance agent will give you a certificate with a start of coverage date, and the policy must be maintained with no lapses at all for exactly three years from that date.

How Do You Transition to Standard Auto Insurance After Your SR22 Contract is Complete?

When your SR22 contract is complete, your insurance provider will help you obtain an Illinois DMV document that states you've met your SR22 obligations. You can then take this proof to a standard insurance agent to begin new coverage. 

If you've been ordered to get SR22 in Illinois, it's best to do it right away. The longer that you wait, the longer that your delay in obtaining standard insurance will be. Contact your local insurance agent to learn more today.