SR22 Insurance in Illinois: Everything You Need to Know
When it comes to driving in Illinois, it is essential to be properly insured. One type of insurance that many drivers may not be familiar with is SR22 insurance. This article will cover everything you need to know about SR22 insurance in Illinois, including requirements, costs, and how to obtain it.
What is SR22 Insurance?
SR22 insurance is not a specific type of insurance policy but rather a certificate proving that a driver has purchased and maintains the required minimum liability coverage as mandated by the state. The SR22 certificate serves as a guarantee to the state that the individual is maintaining their financial responsibility while operating a vehicle.
Why Would You Need an SR22 in Illinois?
There are several reasons why someone might be required to obtain an SR22 certificate in Illinois. These include:
1. Driving under the influence (DUI) or driving while intoxicated (DWI) convictions.
2. Multiple traffic offenses or accidents in a short period.
3. Accumulating too many points or tickets on your driving record.
4. Driving with a suspended or revoked license.
5. Failure to provide proof of insurance when requested by law enforcement.
Insurance companies are required to inform the Secretary of State if an individual’s policy falls below the minimum liability requirements or if it is terminated for any reason.
How to Obtain an SR22 Certificate?
To obtain an SR22 certificate in Illinois, you must first contact your car insurance provider. They will likely charge you a one-time filing fee, which can range from $25 to $50. Once the fee has been paid, your insurance company will file the SR22 certificate with the Illinois Secretary of State’s office on your behalf.
It is essential to maintain continuous coverage once you have an SR22 requirement. This means that if your policy lapses or cancels during this period, your license could be suspended again and additional penalties may apply.
How Much Does SR22 Insurance Cost in Illinois?
The cost of SR22 insurance in Illinois will vary depending on your situation and the insurance company you choose. However, you can typically expect higher insurance premiums due to being considered a high-risk driver. It’s important to shop around and compare rates from different insurance providers to find the best deal possible.
How Long Do You Need to Have SR22 Insurance?
In Illinois, drivers are usually required to maintain an SR22 certificate for a minimum of three years. After this period, if you’ve maintained continuous insurance coverage and haven’t had any additional traffic violations or suspensions, the SR22 requirement may be lifted.
Conclusion
SR22 insurance in Illinois is designed to help ensure that high-risk drivers maintain proper insurance coverage. Whether you’re required to carry this certificate due to a DUI conviction or other reasons, understanding the process and requirements can help you stay compliant with state laws and avoid further complications. Make sure to speak with your insurance provider and research your options to find the most affordable solution that meets your needs.