What Is An SR-22? How Can I Get One?

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At United Auto Insurance, a trusted Chicago insurance company, we know that being told you need SR22 Insurance can feel overwhelming. Whether this is your first time hearing the term or you are working to reinstate your license, you're not alone. SR-22 filings are more common than many drivers realize. If you need to file an SR-22 in Illinois or need SR-22 insurance in Chicago, it's important to understand each step of the process. From what an SR-22 means to how to get it quickly, this guide explains what to expect and how we can help you get back on the road affordably.

What Is an SR-22 Insurance Certificate in Illinois?

An SR-22 insurance certificate, also referred to as SR-22 Financial Responsibility Insurance, is a form your insurance company files with the state to show that you meet Illinois' minimum liability coverage requirements. This form is typically required after certain violations like a DUI, an uninsured accident, or a license suspension.

An SR-22 is not an insurance policy itself. It is a certificate that proves you have the required liability coverage. If your policy lapses or is canceled, your insurer is required to notify the Illinois Secretary of State, which can lead to additional penalties or an extended license suspension.

You must have an active auto insurance policy for the SR-22 to be valid. United Auto Insurance offers complete sr22 filing assistance and will file your certificate with the Illinois Secretary of State for you.

What Does SR-22 Insurance Mean?

SR-22 insurance means that your insurer is vouching to the state that you have the required auto liability coverage. It is generally required for drivers with serious violations or multiple infractions.

Who Needs an SR-22 in Illinois?

Drivers with serious driving offenses or repeat DUI violations likely require SR-22 insurance.

Not every driver needs an SR-22, but for those who do, it’s often the result of a serious driving offense or repeated violations that place your license in jeopardy. Requiring an SR-22 certificate of insurance does not mean you’re permanently labeled a high-risk driver. In fact, it's often a temporary requirement to help you return to good standing with the Illinois Secretary of State.

You may be required to carry SR-22 insurance in Illinois for the following reasons:

  • Your driver’s license is suspended or revoked
  • You’ve been convicted of multiple traffic violations
  • You’ve had a DUI, DWI, or other serious moving violation
  • You’ve had a Safety Responsibility Suspension, such as driving uninsured in an accident
  • You were caught driving with expired license plates
  • You have three or more convictions for driving without mandatory liability coverage

The requirement for an SR-22 in Illinois is part of the state's effort to ensure high-risk drivers maintain valid insurance coverage. If you fall into one of these categories, United Auto Insurance can guide you through each step to regain your driving privileges.

How Long Do You Need SR-22 Insurance in Illinois?

Most drivers are required to carry SR-22 insurance in Illinois for a period of one to three years, depending on the violation and the decision made by the Illinois Secretary of State. During this time, you must maintain continuous coverage without any lapses.

Failure to keep your SR-22 insurance active may result in additional penalties, extended filing periods, or license suspension. If your insurance policy is canceled or lapses for any reason, your provider is required to notify the state immediately.

To avoid any disruptions, make sure to contact United Auto Insurance at least 45 days before your SR-22 certificate expires to ensure timely renewal.

What Happens If Your SR-22 Insurance Is Cancelled?

If your SR-22 insurance is cancelled or allowed to lapse, your provider is legally required to notify the Illinois Secretary of State’s Safety and Financial Responsibility Section. This typically results in an immediate driver’s license suspension. You won’t be able to reinstate your driving privileges until the SR-22 filing is brought current and proof of active coverage is submitted.

A lapse in SR-22 coverage can also extend the time you are required to maintain the certificate, costing you more in the long run. The best way to avoid penalties is to maintain continuous coverage throughout your SR-22 period.

United Auto Insurance can help you manage your policy and avoid costly interruptions.

How to Reinstate SR-22 Insurance After Cancellation

If your SR-22 insurance is cancelled or has lapsed, taking quick action is critical to avoid extended license suspension or additional penalties in Illinois. Here’s what you need to do to get back into compliance.

  • Contact your SR-22 insurance provider immediately to reinstate your policy
  • Request a new SR-22 certificate filing with the Illinois Secretary of State
  • Pay any applicable reinstatement fees or fines
  • Ensure there are no gaps in liability insurance coverage
  • Confirm that your SR-22 form has been accepted and processed
  • Keep documentation in case additional proof is requested by the state

What If You Don’t Own a Car But Still Need an SR-22?

You may still need an SR-22 even if you do not own a car. A non-owner SR-22 policy provides liability coverage when you drive a borrowed or rented vehicle.

This type of policy is often used by drivers who:

  • Are working to reinstate a suspended license
  • Frequently rent or borrow cars
  • Are classified as high-risk but do not own a vehicle

United Auto Insurance offers flexible options for non-owner drivers who need cheap SR22 Insurance.

Can a Defensive Driving Course Help?

While not usually required for SR-22 filing in Illinois, taking a defensive driving course may help reduce insurance premiums or fulfill court orders tied to certain violations. Speak with your agent or local authorities to see if this applies to your case.

How Much Does SR-22 Insurance Cost in Illinois or Chicago?

SR-22 costs depend on your violation, driving history, and vehicle. If you're searching for Illinois SR-22 insurance, it's important to understand the full scope of costs and requirements before choosing a provider.

In most cases, you can expect:

  • A filing fee of around $15 to $50 to submit the SR-22 certificate
  • An increase in premium based on your risk profile and violation history
  • Additional costs if your license was suspended for a DUI or multiple infractions

United Auto Insurance offers affordable SR-22 insurance in Chicago and across Illinois, with flexible options to help you stay on the road legally without breaking your budget.

How to Remove SR-22 Insurance When It's No Longer Required

After your filing period ends, the SR-22 will not be removed automatically. You need to:

  • Confirm your end date with the Illinois Secretary of State
  • Request that your insurer remove the filing
  • Review your new premium and coverage options

Need SR-22 Insurance in Illinois or Chicago?

Whether you're starting a new policy or need help managing your certificate, United Auto Insurance is here to help. We provide affordable SR-22 Insurance for all situations. Request your free SR-22 insurance quote or Contact Us to speak with a licensed agent today.