Driving Record Insurance
Get a Quote
A gravel road runs between corn fields at sunset, with tall corn stalks in close-up on the right and the sun low on the horizon under orange and gray clouds.

Illinois SR-22 & High-Risk Auto Insurance

Illinois requires 25/50/20 liability coverage and is an at-fault state.

Compare my rates

Free to compare

Illinois 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

Source: state DMV, insurance department and statute records, verified July 2026

Minimum Coverage Requirements in Illinois

Drivers convicted of DUI, suspended for multiple violations, or involved in uninsured accidents typically must file SR-22 proof of financial responsibility with the Illinois Secretary of State for 3 years. These minimums are low — high-risk drivers facing non-standard carrier placement often need higher limits to qualify for coverage or avoid rate surcharges.

Liability Insurance

Illinois law requires 25/50/20 minimum liability coverage to legally operate a vehicle. High-risk drivers — especially those with SR-22 requirements — should consider 100/300/100 limits or higher, as many non-standard carriers require elevated limits for policy issuance and medical costs in Chicago-area accidents routinely exceed state minimums.

Uninsured Motorist Coverage

Illinois requires insurers to offer uninsured motorist (UM) coverage at 25/50 minimums, though drivers may reject it in writing. UM coverage protects your reinstatement timeline.

SR-22 Insurance

SR-22 is not a separate insurance policy — it's a certificate your insurer files with the Illinois Secretary of State proving you carry continuous liability coverage. High-risk drivers must maintain SR-22 filing for the full required period, typically 3 years.

Non-Standard Auto Insurance

Non-standard carriers specialize in high-risk profiles — DUI convictions, multiple violations, SR-22 requirements, or license suspensions. Coverage limits may be restricted, and some carriers require 6-month policies paid in full or monthly with electronic withdrawal to manage lapse risk.

Full Coverage

Full coverage combines liability, comprehensive, and collision insurance. High-risk drivers with financed or leased vehicles must carry full coverage to satisfy lender requirements, even while under SR-22 filing.

What Drivers Pay in Illinois

$229–$234/mo

Typical monthly rate in Illinois, drivers after a speeding ticket

Rate data: ValuePenguin and CarInsurance.com, 2026

A man in a tan jacket stands in the open driver's door of a dark blue sedan on a gravel overlook, with a blurred city skyline and orange sunset sky behind.

Put Your Record Up Against Every Rate

Compare Rates for Your Driving Record

Coverage Types

Liability Insurance

Covers injury and property damage you cause to others. Required for SR-22 filing and legal driving in Illinois.

SR-22 Insurance

Certificate of financial responsibility filed by your insurer to the Illinois Secretary of State proving continuous coverage. Not a separate policy.

Non-Standard Auto Insurance

Coverage designed for drivers with DUI, suspensions, lapses, or multiple violations who cannot qualify for standard carriers.

Uninsured Motorist Coverage

Protects you if hit by an uninsured or underinsured driver. Optional in Illinois but must be offered by all carriers.

Full Coverage

Liability, comprehensive, and collision bundled. Covers damage to your vehicle and others' property/injuries.

Collision Coverage

Pays for damage to your vehicle after an at-fault accident, regardless of who caused it.

Find Your City in Illinois

Chicago

urban

Aurora

suburban

Joliet

suburban

Naperville

suburban

Rockford

urban

Elgin

suburban

Springfield

suburban

Peoria

urban

Waukegan

suburban

Champaign

urban

Cicero

urban

Evanston

suburban