SR-22 Insurance — Illinois
Illinois requires 25/50/20 liability coverage and is an at-fault state.
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Illinois at a Glance
25/50/20
Minimum liability limits, in thousands of dollars (per person / per accident / property)
At-fault
The at-fault driver's insurance pays for the damage they cause
Required
Uninsured motorist coverage must be on every policy
$70
State license reinstatement fee
Source: state DMV, insurance department and statute records, verified July 2026
Minimum Coverage Requirements in Illinois
Illinois operates under a traditional tort system, meaning the at-fault driver's liability insurance pays for damages after an accident. The state requires all drivers to carry proof of insurance and mandates SR-22 filing for license reinstatement after DUI, driving uninsured, excessive points, or certain suspension types. The Illinois Secretary of State monitors SR-22 compliance electronically — if your insurer cancels coverage, the state receives immediate notification and your license is re-suspended within 10 days.
Bodily Injury Liability
Property Damage Liability
Uninsured Motorist Coverage
SR-22 Certificate of Financial Responsibility
What Drivers Pay in Illinois
$227–$337/mo
Typical monthly rate in Illinois, high-risk drivers after a DUI
Rate data: ValuePenguin and Insurify, 2026
What Affects Your Rate
- Filing continuous for the full 3-year period without lapses qualifies you for standard-rate policies after reinstatement — one lapse resets the clock.
See What an SR-22 Really Costs in Illinois
Get My Illinois SR-22 Auto Insurance QuoteIf your license is suspended
Restricted Driving Permit (RDP); Monitoring Device Driving Permit (MDDP) for first-offense DUI
application fee $8.
A coverage lapse is reported
The state can act when your insurance lapses.
Source: state DMV, insurance department and statute records, verified July 2026
Frequently Asked Questions
Do I need insurance if my Illinois license is currently suspended?
Yes — Illinois requires you to carry at least 25/50/20 liability coverage and file an SR-22 certificate to reinstate your license, even during the suspension period. If you don't own a vehicle, a non-owner SR-22 policy satisfies the Secretary of State requirement. The SR-22 filing must remain active and continuous for the full period specified in your reinstatement letter, typically 3 years.
How long does Illinois require SR-22 filing after a DUI?
Illinois typically requires 3 years of continuous SR-22 filing after a DUI conviction, measured from your reinstatement date, not your conviction date. If your SR-22 lapses for even one day during the 3-year period, the Illinois Secretary of State re-suspends your license immediately and the 3-year clock resets from the new reinstatement date.
What happens if I move to Illinois with an existing SR-22 requirement from another state?
You must obtain Illinois SR-22 insurance within 30 days of establishing residency — out-of-state SR-22 filings do not transfer to the Illinois Secretary of State system. Your new Illinois insurer files an SR-22 electronically with the state, and you must maintain continuous coverage for the remainder of your original filing period or any new period Illinois imposes based on your driving record.
Will my SR-22 requirement show up on my driving record permanently?
The SR-22 filing itself is not a permanent record entry — it ends when your filing period expires and your insurer notifies the Illinois Secretary of State that the requirement is satisfied. However, the underlying violation (DUI, driving uninsured, excessive points) remains on your Illinois driving record for 4–5 years for most offenses, or longer for serious violations, and continues to affect your insurance rates even after SR-22 filing ends.
Coverage Types
SR-22 Insurance
An SR-22 is an electronic certificate your insurer files with the Illinois Secretary of State proving you carry at least 25/50/20 liability coverage. Required for DUI, driving uninsured, excessive points, and certain suspensions.
Non-Owner SR-22
A non-owner policy provides state-minimum liability coverage and SR-22 filing without insuring a specific vehicle. It satisfies Illinois reinstatement requirements if you don't own a car but need to prove financial responsibility.
Liability Insurance
Pays medical bills, lost wages, and property damage when you cause an accident. Illinois requires 25/50/20 minimums, but serious accidents often exceed these limits and expose you to personal liability.
Uninsured Motorist Coverage
Covers your medical bills and vehicle damage when an at-fault driver has no insurance or insufficient coverage. Illinois insurers must offer this at limits matching your liability coverage.
Non-Standard Auto Insurance
Coverage for drivers with DUI, suspensions, multiple violations, or lapsed coverage. Non-standard carriers specialize in high-risk profiles and file SR-22 certificates as part of the policy.