SR-22 Insurance in Illinois

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Rates as low as $6.25/month

SR-22 insurance, also known as a Certificate of Financial Responsibility, is typically given to people involved in car-related incidents, such as driving under the influence or speeding.

Contrary to what most people know, SR-22 insurance is not actually an insurance policy. Instead, it’s a certificate or form attached to your existing insurance policy that proves you have at least the minimum coverage mandated by the state.

There are different nuances when it comes to SR-22 in the other states. This article will specifically discuss SR-22 insurance in Illinois.

What is SR-22 Insurance in Illinois?

All the states, including Illinois, take not paying liability insurance seriously.

This is because your driving is a matter of public good – in case of a vehicular accident, drivers should be responsible enough to be able to pay the minimum amount required.

According to the 2021 census, the population of Illinois is estimated to be around 12.7 million people. This means that there are many people who could be put in danger by a careless driver, especially one without insurance.

Therefore, Illinois drivers who were found to have done a driving-related offense are required to get an SR-22 if they want their driving privileges reinstated.

Who is Required to Get SR-22 Insurance in Illinois?

Drivers who committed serious driving-related offenses will be required to get an SR-22 certificate before they can be awarded a temporary license. Examples of these violations include the following:

  • DWI or DUI. Driving while impaired or under the influence means that you have been caught driving while being incapable of doing so, e.g., drunk or intoxicated.
  • Failure to Carry Insurance. Most states, including Illinois, have insurance requirements for drivers. This is to ensure that even if you’re held liable for an accident, you’ll be able to afford the financial responsibilities. In fact, driving without insurance is not allowed in all states, so if you’re caught uninsured, your license may be revoked.
  • Moving Violations. These types of violations occur while the car you are driving is in motion. Such offenses include texting while driving or running a red light, etc. While one violation may not be enough to warrant an SR-22 by itself, they do stack up.
  • Reckless Driving. If you’re driving dangerously or in places where you shouldn’t be, you may be charged with reckless driving and required to file an SR-22.

How Much is SR-22 Insurance in Illinois?

As mentioned previously, SR-22 is not an insurance policy in itself. That said, it does have some associated costs.

The first is the filing cost, which is about $15 to $30, depending on your provider’s rates.

The second is the increased cost of your current insurance policy. Once you’re required to file an SR-22, your insurance provider will know that you’re a high-risk driver and adjust your rates accordingly.

Since looking for an insurer that offers an SR-22 certificate is akin to shopping around for insurance rates, it’s difficult to give you an accurate estimate of how much your policy might cost you now.

However, if you get your SR-22 certificate at Magnum Insurance, you can be sure that our licensed agents will work with you to get a quote that you can certainly afford.

How to Get SR-22 Insurance in Illinois

Getting SR-22 insurance starts with a notification from the Secretary of State’s office. They will email you to notify you of your status as a high-risk driver and tell you to file for an SR-22.

Next, you will have to call your insurance provider, notifying them of your new SR-22 requirement. Since not all insurers provide this service, they may reject you and cancel your policy immediately, which means you have to look for another provider. If they do accept your SR-22 requirement, they will most likely increase your rates.

Once that’s done, pay the filing fee and wait for your provider to issue your SR-22 certificate.

Getting an SR-22 in Illinois with Magnum Insurance

Being required to get SR-22 insurance can be a stressful experience for many, especially if you’re not with the right provider.

Luckily, Magnum Insurance is focused on providing customer-centric service that aims to give you the protection that you need. If you need SR-22 insurance in Illinois, feel free to give us a call today!

Magnum Insurance makes SR-22 Insurance in Illinois easy

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