Cheapest SR-22 insurance in Illinois
State Farm has the cheapest SR-22 insurance in Illinois, with an average monthly cost of $87. That’s $1,039 a year, which is 59% less than the average for SR-22 insurance in Illinois.
Drivers can also get cheap SR-22 coverage from Farmers or COUNTRY, but it’s a good idea to compare rates to be sure you get the best price. This is even more important if you live in a big city (like Chicago), where SR-22 costs are even higher.

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Company | Average monthly cost of SR-22 insurance | Average annual cost of SR-22 insurance |
---|---|---|
State Farm | $87 | $1,039 |
Farmers | $114 | $1,367 |
COUNTRY | $120 | $1,441 |
Progressive | $129 | $1,548 |
Travelers | $138 | $1,654 |
Methodology: Why you can trust our picks for the cheapest SR-22 insurance in Illinois
We found the companies with the cheapest SR-22 insurance in Illinois 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 Illinois 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 Illinois?
An SR-22 is a form that your insurance company files for you, not a type of car insurance. In Illinois, your car insurance company files an SR-22 with the Secretary of State after your license is suspended. The SR-22 acts as proof that you have car insurance with at least the following amounts of coverage:
Bodily injury liability (BIL): $25,000 per person, $50,000 per accident
Property damage liability (PDL): $20,000 per accident
There are a range of reasons you may have to get SR-22 insurance in Illinois, like if your license was suspended after a DUI or another violation, if you missed a court date, or if you failed to make child support payments.
By Illinois law, you must have SR-22 insurance for at least three years. Alternatively, you can deposit at least $70,000 with the state and file for a bond that proves you’d be covered in the event of a crash.
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→ Read about SR-22 insurance in Chicago
How to get SR-22 insurance in Illinois
It’s not hard to find SR-22 insurance in Illinois after your license is suspended. Follow these steps to get the SR-22 coverage you need:
Find an insurance company that offers coverage: Not all insurance companies in Illinois offer coverage to high-risk drivers, so you’ll have to let any company know about what you need while you shop.
Wait for your SR-22 to process: It can take up to 30 days for your SR-22 to process, but you’ll receive a confirmation from both your insurance company and the Illinois Secretary of State when it does.
Renew your SR-22 on time: You have to renew your SR-22 every year, and Illinois requires that you renew your SR-22 a minimum of 45 days in advance.
Non-owner SR-22 insurance in Illinois
Sometimes, drivers who don’t have their own cars are required by the state to get an SR-22, which means they may need non-owner insurance. Non-owner insurance works just like a regular car insurance policy, except it usually has lower limits and no comprehensive or collision coverage (because there’s no vehicle to protect).
Not many companies offer non-owner SR-22 insurance, so if you’re a high-risk driver without a car, you may have to check around to see what your options are. But the good news is that since non-owner
SR-22 insurance has lower limits than a regular policy, it will probably be cheaper than a regular SR-22 policy.
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Frequently asked questions
Do you have to show proof of insurance in Illinois?
Yes, all drivers have to be able to show proof of insurance in Illinois. In fact, Illinois is one of the states where your car insurance is verified electronically. If you don’t have insurance and you’re caught driving, your license may be suspended.
How does SR-22 insurance work in Illinois?
Your insurance company files an SR-22 for you to prove to the state that you’re covered. You would only have to do this in Illinois if your license was suspended after a serious traffic violation, or after failing to appear in court or make child support payments.
How much does SR-22 insurance cost in Illinois?
On average, SR-22 insurance costs drivers in Illinois $213 per month or $2,554 a year. You could find cheaper coverage at a few companies, including State Farm.