An SR22 filing in Illinois acts as a financial responsibility certificate, mandated by the state for drivers who have committed serious traffic violations. Understanding the cost of SR22 insurance in Illinois is crucial for drivers facing this requirement. Cheap Insurance dives into the details, explaining what an SR22 is, why it’s required, and the associated costs.
Key Takeaways:
- An SR22 filing for Illinois verifies a driver maintains minimum liability car insurance.
- Driving offenses like DUI, DWI, and reckless driving can trigger an SR22 requirement.
- SR22 filings often increase the price of car insurance due to a perceived higher risk of the driver.
- The SR22 filing duration varies based on the offense, typically lasting 2-3 years.
- Maintaining SR22 car insurance and a clean driving record can help drivers obtain affordable insurance.
What is an SR22 and why is it required in Illinois?
An SR22 is not an insurance policy itself, but rather a filing submitted by an insurance company to the Illinois Secretary of State. This filing electronically verifies that a driver maintains the minimum liability required car insurance. The requirement arises as a consequence of specific driving offenses in Illinois, acting as a guarantee of continued financial responsibility.
Who needs to file an SR22?
The Illinois Secretary of State mandates SR22 filings for drivers who have committed certain traffic violations, including:
- Driving Under the Influence (DUI)
- Driving Without Insurance (DWI)
- Reckless Driving
- Leaving the Scene of an Accident
- Multiple Traffic Violations within a Set Timeframe
If an Illinois driver accumulates these offenses or fails to comply with a court-ordered judgment related to a traffic violation, the state may require them to file an SR22 certificate.
Does SR22 Insurance Increase Standard Car Insurance in Illinois?
While SR22 itself isn’t insurance, it can significantly increase the price of standard car insurance in Illinois. Insurance carriers view drivers with an SR22 filing as higher risk, leading to higher insurance rates. The exact increase depends on various factors, including:
- The severity of the driving offense that triggered the SR22 requirement.
- The driver’s overall driving record.
- The driver’s age and experience.
- The type of car being insured.
How long does an SR22 requirement typically last in Illinois?
The duration of an SR22 filing requirement in Illinois varies depending on the initial offense. Here’s a general breakdown.
DUI: Typically requires an SR22 filing for three years.
DWI: The filing requirement typically lasts for three years.
Reckless Driving: The SR22 filing may be required for two to three years.
Other Violations: The duration can vary depending on the specific offense and court order.
What happens if an Illinois driver fails to maintain SR22 insurance?
Failure to maintain SR22 auto insurance in Illinois carries significant consequences. These can include:
Driver’s license suspension: The Illinois Secretary of State may suspend the driving privileges of individuals who fail to maintain an SR22 filing.
Difficulty obtaining future car insurance: Insurance carriers may be hesitant to offer insurance to drivers with a history of lapsed SR22 requirements.
Reinstatement fees: Reinstating a suspended license due to a lapsed SR22 filing often comes with additional fees.
Finding Affordable SR22 Insurance Quotes in Illinois
Getting SR22 insurance in Illinois doesn’t have to break the bank. Here are some tips for finding affordable SR22 quotes.
Shop around for SR22 Insurance Quotes: Compare car insurance quotes from multiple insurance carriers specializing in non standard car insurance for high-risk drivers.
Maintain a clean driving record: Avoiding further traffic violations during the SR22 filing period can demonstrate responsibility and lead to lower auto insurance upon renewal.
Consider raising your deductible: Increasing your deductible, the amount you pay out of pocket before your insurance policy pays for a claim, can help you maintain cheap car insurance. However, weigh this against your ability to manage a higher upfront cost in case of an accident.
Look for discounts: Some insurance carriers offer discounts for completing defensive driving courses or enrolling in usage-based insurance programs.
By understanding the SR22 requirement and its associated costs in Illinois, drivers can make informed decisions. Remember, maintaining auto insurance and responsible driving habits are crucial for keeping your license and avoiding financial penalties. Consulting with the Illinois Secretary of State and obtain inexpensive SR22 quotes in Illinois from various insurance carriers can equip you with the knowledge and resources necessary to navigate this process effectively.
