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The cheapest SR-22 insurance in Chicago, IL

State Farm has the cheapest SR-22 insurance in Chicago for drivers who need one after a suspended license, DUI, or serious driving violation.

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By

Andrew HurstSenior Editor & Licensed Auto Insurance ExpertAndrew Hurst is a senior editor at Policygenius who has spent his entire career writing about life, disability, home, auto, and health insurance. His work has been featured in The New York Times, The Wall Street Journal, the Washington Post, Forbes, USA Today, NPR, Mic, Insurance Business Magazine, and Property Casualty 360.

Edited by

Anna SwartzAnna SwartzSenior Managing EditorAnna Swartz is a senior managing editor who specializes in home, auto, renters, and disability insurance at Policygenius. Previously, she was a senior staff writer at Mic and a writer at The Dodo. Her work has also appeared in Salon, HuffPost, MSN, AOL, and Heeb.

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Cheapest SR-22 insurance in Chicago

The cheapest company for SR-22 insurance in Chicago is State Farm, which offers coverage to high-risk drivers for $119 per month or $1,430 a year. That’s 60% cheaper than the average cost of SR-22 insurance in the Windy City.

You may also find cheap SR-22 insurance in Chicago from Progressive and COUNTRY. The average cost of SR-22 insurance in Chicago is very expensive ($3,560 per year), but may be able to find lower rates by comparing quotes from multiple companies.

A bar graph showing the company with the cheapest car insurance for drivers with an Sr-22 in Chicago. The cheapest company is State Farm.

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Company

Average monthly cost of SR-22 insurance

Average yearly cost of SR-22 insurance

State Farm

$119

$1,430

Progressive

$171

$2,051

COUNTRY

$174

$2,086

Travelers

$181

$2,170

Auto-Owners

$211

$2,533

American Family

$217

$2,609

Erie

$227

$2,720

USAA

$254

$3,044

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Methodology: Why you can trust our picks for the cheapest SR-22 insurance in Chicago

We found the companies with the cheapest SR-22 insurance in Chicago by calculating the average rate for drivers with a suspended license, DUI, or a reckless driving citation on their record.

Our sample driver was a 30-year-old male driver of a 2017 Toyota Camry LE with average credit. We collected rates from every ZIP code in Chicago for a policy with the following limits:

  • Bodily injury liability: $50,000 per person, $100,000 per accident

  • Property damage liability: $50,000 per accident

  • Uninsured/underinsured motorist: $50,000 per person, $100,000 per accident

  • Comprehensive: $500 deductible

  • Collision: $500 deductible

Some carriers may be represented by affiliates or subsidiaries. Rates provided are a sample of insurance costs. Your actual quotes may differ.

What is SR-22 insurance in Chicago?

SR-22 insurance is not actually a form of insurance (in Chicago or anywhere else). An SR-22 is a form that your insurance company files for you with Illinois’s Secrety of State that shows you have at least the following amount of insurance:

  • Bodily injury liability (BIL): $25,000 per person, $50,000 per accident

  • Property damage liability (PDL): $20,000 per accident

You may need SR-22 insurance in Chicago if your license has been suspended or you have a violation on your record. In Illinois, your license may be suspended for serious violations (like drinking and driving), failure to appear in court, and failure to make child support payments.

In Chicago, you typically need SR-22 insurance for at least three years. You can also deposit at least $70,000 with the state and file for a bond instead of getting SR-22 insurance.

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How to get SR-22 insurance in Chicago

After your license is suspended in Chicago, you’ll have to follow a few steps to get an SR-22:

  1. Find an insurance company that will file an SR-22 for you: Your insurance company will need to file an SR-22 on your behalf, but not all insurance companies in Chicago offer coverage to high-risk drivers, so start with your current insurer but be prepared to shop around.

  2. Wait for your SR-22 to process: It can take as many as 30 days for your SR-22 to process, but once it does you’ll receive a confirmation from both your insurance company and the Illinois Secretary of State.

  3. Renew your SR-22 on time: You have to renew your SR-22 every year in Chicago. State law requires you renew your SR-22 45 days in advance.

Non-owner SR-22 insurance in Chicago

You’ll have to get non-owner SR-22 insurance if your license is suspended but you don’t own a car. A non-owner policy has less protection than a regular car insurance policy, but if you need to get an SR-22 it will still allow you to reinstate your license and avoid more legal penalties.

The good news is that a non-owner SR-22 policy is usually cheaper than regular car insurance for someone who owns a car. Not every company offers non-owner policies, though, so you’ll probably have to call different insurance companies to find coverage.

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Frequently asked questions

Who needs SR-22 insurance in Illinois?

You’ll almost certainly have to get SR-22 insurance in Illinois if your license is suspended. The state can suspend your license after a serious accident or driving violation, like if you receive a DUI, or after you miss a court appearance or child support payments.

How much does SR-22 insurance cost in Illinois?

On average, SR-22 insurance costs $2,554 per year in Illinois. However, in Chicago it’s much more expensive. In Chicago, SR-22 insurance costs $3,560 per year.

How long do you have to have an SR-22 in Chicago?

You typically have to have an SR-22 for at least three years in Chicago. You might have to get an SR-22 for longer if you fail to renew your coverage or let your insurance lapse during the three-year period.

Corrections

No corrections since publication.

Author

Andrew Hurst is a senior editor at Policygenius who has spent his entire career writing about life, disability, home, auto, and health insurance. His work has been featured in The New York Times, The Wall Street Journal, the Washington Post, Forbes, USA Today, NPR, Mic, Insurance Business Magazine, and Property Casualty 360.

Editor

Anna Swartz is a senior managing editor who specializes in home, auto, renters, and disability insurance at Policygenius. Previously, she was a senior staff writer at Mic and a writer at The Dodo. Her work has also appeared in Salon, HuffPost, MSN, AOL, and Heeb.

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