Cheapest SR-22 insurance in Chicago
The cheapest company for SR-22 insurance in Chicago is State Farm, which offers coverage to high-risk drivers for $119 per month or $1,430 a year. That’s 60% cheaper than the average cost of SR-22 insurance in the Windy City.
You may also find cheap SR-22 insurance in Chicago from Progressive and COUNTRY. The average cost of SR-22 insurance in Chicago is very expensive ($3,560 per year), but may be able to find lower rates by comparing quotes from multiple companies.

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Company | Average monthly cost of SR-22 insurance | Average yearly cost of SR-22 insurance |
---|---|---|
State Farm | $119 | $1,430 |
Progressive | $171 | $2,051 |
COUNTRY | $174 | $2,086 |
Travelers | $181 | $2,170 |
Auto-Owners | $211 | $2,533 |
American Family | $217 | $2,609 |
Erie | $227 | $2,720 |
USAA | $254 | $3,044 |
Methodology: Why you can trust our picks for the cheapest SR-22 insurance in Chicago
We found the companies with the cheapest SR-22 insurance in Chicago by calculating the average rate for drivers with a suspended license, DUI, or a reckless driving citation on their record.
Our sample driver was a 30-year-old male driver of a 2017 Toyota Camry LE with average credit. We collected rates from every ZIP code in Chicago for a policy with the following limits:
Bodily injury liability: $50,000 per person, $100,000 per accident
Property damage liability: $50,000 per accident
Uninsured/underinsured motorist: $50,000 per person, $100,000 per accident
Comprehensive: $500 deductible
Collision: $500 deductible
Some carriers may be represented by affiliates or subsidiaries. Rates provided are a sample of insurance costs. Your actual quotes may differ.
What is SR-22 insurance in Chicago?
SR-22 insurance is not actually a form of insurance (in Chicago or anywhere else). An SR-22 is a form that your insurance company files for you with Illinois’s Secrety of State that shows you have at least the following amount of insurance:
Bodily injury liability (BIL): $25,000 per person, $50,000 per accident
Property damage liability (PDL): $20,000 per accident
You may need SR-22 insurance in Chicago if your license has been suspended or you have a violation on your record. In Illinois, your license may be suspended for serious violations (like drinking and driving), failure to appear in court, and failure to make child support payments.
In Chicago, you typically need SR-22 insurance for at least three years. You can also deposit at least $70,000 with the state and file for a bond instead of getting SR-22 insurance.
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How to get SR-22 insurance in Chicago
After your license is suspended in Chicago, you’ll have to follow a few steps to get an SR-22:
Find an insurance company that will file an SR-22 for you: Your insurance company will need to file an SR-22 on your behalf, but not all insurance companies in Chicago offer coverage to high-risk drivers, so start with your current insurer but be prepared to shop around.
Wait for your SR-22 to process: It can take as many as 30 days for your SR-22 to process, but once it does you’ll receive a confirmation from both your insurance company and the Illinois Secretary of State.
Renew your SR-22 on time: You have to renew your SR-22 every year in Chicago. State law requires you renew your SR-22 45 days in advance.
Non-owner SR-22 insurance in Chicago
You’ll have to get non-owner SR-22 insurance if your license is suspended but you don’t own a car. A non-owner policy has less protection than a regular car insurance policy, but if you need to get an SR-22 it will still allow you to reinstate your license and avoid more legal penalties.
The good news is that a non-owner SR-22 policy is usually cheaper than regular car insurance for someone who owns a car. Not every company offers non-owner policies, though, so you’ll probably have to call different insurance companies to find coverage.
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Frequently asked questions
Who needs SR-22 insurance in Illinois?
You’ll almost certainly have to get SR-22 insurance in Illinois if your license is suspended. The state can suspend your license after a serious accident or driving violation, like if you receive a DUI, or after you miss a court appearance or child support payments.
How much does SR-22 insurance cost in Illinois?
On average, SR-22 insurance costs $2,554 per year in Illinois. However, in Chicago it’s much more expensive. In Chicago, SR-22 insurance costs $3,560 per year.
How long do you have to have an SR-22 in Chicago?
You typically have to have an SR-22 for at least three years in Chicago. You might have to get an SR-22 for longer if you fail to renew your coverage or let your insurance lapse during the three-year period.