Cheap SR-22 Insurance in Illinois: What You Need to Know
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Ron Trumbo
Insurance Editor
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If you’ve been told that you need to file an SR-22 car insurance form in Illinois, you may be confused or overwhelmed with the additional laws and steps you have to take. Did you recently get an SR-22 notice from the Illinois Secretary of State? Relax. Getting an SR-22 in Illinois is easy and very common.
Why Do You Need and SR-22 Insurance in Illinois?
An SR-22 is simply a form, and SR-22 forms are nothing more than an additional administrative task that “high risk” Illinois drivers need to take in order to keep their driving privileges. What makes you a high risk Illinois driver? Illinois believes that you’re a high risk driver if you have more than 3 moving violations (e.g. speeding tickets), a DUI conviction, or you were caught driving in Illinois without insurance or an Illinois drivers license. Accordingly, Illinois believes that you must be “supervised” for 3 years as it relates to car insurance coverage.
What Does SR-22 Auto Insurance Do in Illinois?
Illinois SR-22 is not car insurance, it’s simply proof of insurance coverage in Illinois. Given that Illinois requires every driver to have car insurance in order to drive, an SR-22 is a notice that is sent from your car insurance company to the Illinois Secretary of State that certifies that you meet Illinois’ minimum auto insurance requirements. You must satisfy coverage for 3 years consistently. The moment that you drop your auto insurance coverage or fail to make an insurance payment and lose auto coverage, your insurance company is required by law to let the State know. Be aware, if you discontinue your Illinois car insurance, your Illinois driver’s license will be immediately suspended.
Illinois SR-22 Insurance Agents and Insurance Companies
Illinois is supported by thousands of experienced car insurance agents, but not every agent can set-up SR-22 in Illinois. It takes finding an experienced Illinois car insurance agent that can file an SR-22 with the Illinois Secretary of State, and more importantly help you navigate the steps for drivers with high risk needs. In addition to making sure that you meet all of Illinois’ legal requirements, you’re most likely in a position where your car insurance rates are going to be expensive. Your Illinois insurance agents is going to be able find every Illinois insurance discount available to find your best car insurance rate possible.
For more information: Illinois Secretary of State discusses what an SR-22 is
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