When Would You Need SR22 Insurance in Illinois for Your Car?

by | Sep 11, 2023 | Auto Insurance

Car insurance is a very important and necessary component of owning a vehicle. However, in some cases, you may need to purchase SR22 insurance in Illinois, which is often more expensive than the basic liability coverage you may have been carrying. In Illinois, there are certain situations in which you must file an SR22 with your auto insurer.

Suspended or Revoked License

If you have had your driver’s license suspended or revoked in Illinois, you must file an SR22 with your car insurance policy. This type of coverage is usually significantly more expensive than basic liability coverage and must be maintained for at least three years before the policy can be canceled. You must receive proof of the SR22 from your insurance company to reinstate your license.

DUI Conviction

If you have been convicted of a DUI, you will likely be required to file an SR22 insurance in Illinois with your car insurance policy. In some cases, you may also be required to maintain an ignition interlock device (IID) or a Breath Alcohol Ignition Interlock Device (BAIID), which is a device that will test your alcohol level before allowing your car to start.

Uninsured Driver Violation

If you are found driving without insurance in Illinois, you will likely be required to file an SR22 with your auto insurance policy. This may also apply if you were involved in an accident while uninsured.

High-Risk Driver

Drivers who are considered to be high risk due to their age, bad driving record, or other factors may also be required to file an SR22 with their auto insurance policy. If you fit into this category, it’s important to shop around for the best rates on your SR22 insurance, as different insurers will offer varying prices.

These are a few of the most common scenarios in which you may need to file an SR22 with your car insurance policy in Illinois. However, if you are unsure whether you need an SR22, it is best to contact your insurance provider for clarification. They can help guide you through the process and explain the type of coverage required for the situation. Reach out to Accurate Auto Insurance, and one of our friendly agents can help you get the coverage you need.


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