Illinois SR-22 & High-Risk Auto Insurance Guide
Illinois requires 25/50/20 liability coverage and is an at-fault state.
Find SR-22 Coverage NowIllinois 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
State Requirements
Drivers convicted of DUI, caught driving without insurance, or who accumulate multiple serious violations must file SR-22 proof of financial responsibility with the Illinois Secretary of State. These minimums represent the legal floor, but high-risk drivers often face policy surcharges that make carrying only minimums a false economy when violations already elevate base rates significantly.
Liability Insurance
SR-22 Insurance
Uninsured Motorist Coverage
Comprehensive Coverage
Collision Coverage
Cost Overview
$277–$337/mo
Typical monthly rate in Illinois, drivers with an SR-22 after a DUI
Rate data: ValuePenguin and NerdWallet, 2026
What Affects Your Rate
- Violation type: DUI convictions increase premiums more than single at-fault accidents or speeding tickets
- Number of incidents: Multiple violations within 3 years compound rate increases exponentially
- Coverage lapses: Any gap in coverage, even brief, adds a surcharge and extends SR-22 requirements
- Age and gender: Young male drivers under 25 with violations face the highest rates across all carriers
- Credit history: Illinois allows insurers to use credit-based insurance scores, which often decline after DUI or financial stress from legal costs
See What Your SR-22 Should Really Cost
Find SR-22 Coverage NowIf 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
How long do I need SR-22 in Illinois after a DUI?
Illinois requires SR-22 filing for 3 years from the date of license reinstatement after a DUI conviction. The 3-year period cannot be shortened, and any lapse in coverage during that time restarts the clock and triggers immediate license suspension. You must maintain continuous coverage with SR-22 on file for the full 36 months.
Which insurance companies offer SR-22 in Illinois?
Non-standard carriers including Bristol West, Infinity, The General, Direct Auto, and Progressive offer SR-22 filing in Illinois. Many standard carriers like State Farm and Allstate do not write SR-22 policies or will non-renew existing customers who require SR-22, forcing drivers into the non-standard market. Rates vary significantly between carriers, making comparison essential.
Coverage Types
Liability Insurance
Covers injuries and property damage you cause to others. Illinois minimums are $25,000/$50,000/$20,000, but a serious accident can easily exceed these limits, exposing your assets to lawsuits.
SR-22 Filing
Proof of financial responsibility filed by your carrier with the Illinois Secretary of State. Required for DUI, driving without insurance, and multiple violations.
Uninsured Motorist Coverage
Protects you when an uninsured or underinsured driver causes an accident. Covers medical bills, lost wages, and vehicle damage up to your policy limits.
Collision Coverage
Pays for damage to your vehicle after an at-fault accident, regardless of who caused it. Required by lienholders; optional for paid-off vehicles.
Comprehensive Coverage
Covers theft, vandalism, weather damage, and animal collisions. Optional unless required by a lienholder, but protects against non-accident losses.
Non-Standard Auto Insurance
Coverage for drivers who cannot obtain policies from standard carriers due to DUI, multiple violations, SR-22 requirements, or coverage lapses. Non-standard carriers specialize in high-risk profiles.