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Illinois SR22 Insurance

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Cheapest SR22 non owner and auto insurance Illinois

High risk drivers are required to have a Certificate of Financial Responsibility (CFR) SR22 on file with the Illinois Secretary of State prior to license reinstatement. The SR22 filing serves as proof that you have the required liability coverage to restore your driving privileges, while also enabling the state to monitor your Financial Responsibility status. CFR is required in Illinois for license suspensions, revocations, DUI, unsatisfied judgments, and multiple driving convictions.

Let Wessell Insurance Services help you get the cheapest SR22 quote for car, non owner, motorcycle and out of state certificates of insurance.


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Required IL SR22 and DUI Insurance Legal Limits:

All IL drivers are required by law to carry liability insurance with limits 25/50/20 25/50 unins/m Updated February 07, 2024

$25,000 for bodily injury to 1 person
$50,000 for bodily injury to 2 or more people
$20,000 for property damage.

$25k/$50k Uninsured Motorist bodily injury


Types of SR22 Policies:

  • Non Owners Operator Policy — Covers the named insured in the operation of vehicles you do not own.
  • Auto Policy – Liability only or full coverage policy on vehicles owned by the insured. The owned vehicle must be listed on the named insureds policy.
  • Motorcycle Policy  – Covers a motorcycle for liability only or full coverage owned by the insured.  The motorcycle must be listed on the named insureds policy.
Illinois Violations Requiring an Insurance Filing

-serious moving violations, ie… reckless driving, speeding
-failure to provide valid proof of insurance or providing false documents
-driving on suspended or revoked license
-excessive tickets
-unpaid legal judgements
-failure to pay child support

How the SR-22 Filing Process Works
When you have found an insurance agent that you feel confident can file your SR-22 quickly, accurately and at a fair price, a down payment is made to start your policy and SR22 filing. Once the payment is approved and the policy is issued, the insurance carrier electronically submits the SR-22 certificate to the Illinois Secretary of State. The individual named insured will receive a copy of the policy, SR-22 from, and insurance ID card. The SR22 insurance must be maintained for three consecutive years. If the SR-22 expires or is cancelled, the insurance company is required by law to file an SR-26, this confirms to the state that the policy is cancelled. Unfortunately, this means your driver’s license will be suspended again and will not be reinstated until your Financial Responsibility insurance is active.

Cost of SR22 in Illinois
The cost of financial responsibility/ DUI insurance depends on several factors, including: age, gender, zip code, marital status, and driving record. Due to the fact that so many factors are taken into account, there is not one price for everybody. In order to get the best quote talk to an authorized insurance agent and have all information available to fill out the quote completely. The more information provided, the easier it is to make sure you  get the best price for your situation.  Cheapest SR22 non owner and auto insurance Illinois

We offer:

• Affordable Certificate of Financial Responsibility for license reinstatement
• Coverage and Proof of Financial Responsibility filed the same day.
• Electronically Filed to Springfield, IL.
• SR22 Insurance For All Drivers; DUI, suspended license, habitual offenders
• Non-Owner Policies Available

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We provide auto, home owners, renters, motorcycle, non owners and commercial auto coverage for the entire state of Illinois, including:

Libertyville |  Waukegan |  Leland Grove  |  Arlington Heights  | Aurora |  Hinsdale | Claredon Hills |  Deerfield | Cicero |  Morton  |  Evanston |  Chicago |  Winnetka |  Lake Forest | Freeburg | Champaign | Edwardsville | Decatur | Rockford  |  Western Springs | Wilmette | Northbrook | Bloomington |  Rochester |  Schaumburg | Kenilworth | Glencoe | Bellville | Springfield  |  St Charles | Palatine | Fox Grove | Quincy |  Charleston | Carbondale  | Canton | Burbank | Blue Island | Bloomington  |   Berwyn |  Centralia | Collinsville |  Crystal Lake | Crest Hill |  Des Plaines  |  Danville  |  Dixon  |  Elgin  | Elmhurst  |  Evanston  |  Freeport  |  Galesburg  |  Geneva |  Granite City |  Harvey |  Kankakee |  McHenry |  Morris

Illinois Department of Transportation IDOT Office of Planning and Programming

2300 S. Dirksen Pkwy Springfield IL 62764

ph: 217 782 4518  The Official Website for the Illinois Secretary of State (ilsos.gov)


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