SR-22 Insurance in Illinois
Start with a free quote from Magnum Insurance.
Need to file an SR-22 in Illinois? The SR-22 is not another insurance policy. It’s the certificate your insurer sends to the Illinois Secretary of State (SOS) to show you have the required liability insurance. Illinois SOS guidance
For an overview of how SR-22 coverage works, see our SR-22 insurance guide.
Have your notice, driver information, ZIP code and any current policy details ready, along with vehicle information if you own a car. Prefer to talk? Call 1-888-539-2102 or find a Magnum location. English and Spanish support is available at every Magnum location and through our call center during published hours.
Choosing coverage for the vehicles you drive
If you own a car, ask about coverage for that vehicle with the required filing. If you don’t own one and only occasionally borrow or rent a car, a non-owner policy may fit. Tell the agent if you regularly use a household car or another vehicle. Eligibility and coverage depend on the carrier and policy terms.
Illinois uses owner, operator for non-owned vehicles, and combined owner-operator certificates. These categories do not guarantee coverage for every car you drive. Illinois certificate types See our non-owner SR-22 guide for coverage details and limitations.
How filing works in Illinois
Before you buy, confirm that the insurer can provide the SR-22 for your Illinois requirement. Complete the application, provide the requested information and make the required payment. Ask the agent to confirm that the policy has been issued and when coverage begins. An authorized insurer must send the required certificate directly to Illinois SOS. Illinois submission requirements
Magnum Insurance can file your SR-22 with the state within 24 hours after your purchase is complete and the required information is provided. State processing time varies, and every situation is different.
Illinois says processing may take up to 30 days. Illinois processing guidance
Ask your agent how to confirm submission. Then check your driving status with Illinois SOS before driving. A completed purchase and a submitted certificate are not confirmation that your driving privileges have been restored. Illinois safety-responsibility guidance
What will you pay?
Separate the insurance premium, which is the price of the policy, from any SR-22 filing charge. Any state or court fees are separate from your insurance costs. Magnum shops available carriers for affordable options based on your driving record, vehicle, location and coverage needs. When comparing quotes, ask:
- Are the coverage limits the same?
- What is due today, and what are the amounts and dates of later payments?
- Is there a separate filing charge or payment-plan fee?
- What is the total cost for the policy term, including fees?
An agent’s quote is an estimate, not an issued policy. A smaller first payment alone does not tell you which option costs less overall. Illinois DOI shopping guidance
Keep your Illinois filing active
Illinois generally requires three years of continuous coverage. Confirm your own end date with the Secretary of State. If the required filing expires or is cancelled, the insurer must send an SR-26 notice. The SR-26 tells SOS that the required coverage has ended. SOS says it suspends your driving record when it receives that notice. Illinois continuity requirements
Renew early and confirm your deadline with the insurer. If you’re changing companies, coordinate the replacement policy and filing before cancelling the old coverage.
What are Illinois’s minimum coverage limits?
Illinois’s liability minimums, often written as 25/50/20, are $25,000 for bodily injury per person, $50,000 for bodily injury per accident and $20,000 per accident for property damage. Uninsured-motorist bodily injury coverage has minimums of $25,000 per person and $50,000 per accident. Illinois required coverages
Those liability limits do not provide collision or comprehensive protection for your own car. Our Illinois auto insurance guide explains those choices and the state’s broader coverage requirements.
Illinois SR-22 questions
Illinois lists safety-responsibility suspensions, unsatisfied-judgment suspensions, revocations, mandatory-insurance supervision and three or more mandatory-insurance convictions. Your individual notice and driving record determine whether the requirement applies. Illinois SOS requirements
Don’t use the submission date as permission to drive. Verify your driving status and any remaining requirements with Illinois SOS. Illinois safety-responsibility guidance
Confirm the end date with Illinois SOS before asking your insurer to remove it. Don’t calculate it solely from your first policy’s purchase date.
Yes. Explain which vehicles you borrow or use regularly so the agent can review whether non-owner coverage fits. A quote does not establish eligibility.
No. You also pay for the insurance policy. Ask for a breakdown showing the premium, any filing charge and other fees before you pay.
Confirm when the replacement policy starts and how the new insurer will handle the Illinois filing. Coordinate the change before cancelling your current policy.
Get help with your Illinois SR-22
Find a Magnum location for in-person help.
Try our Location Finder to find the nearest agent near you.
Call us 
Commercial Lead Form