Illinois SR-22 & High-Risk Auto Insurance
Illinois requires 25/50/20 liability coverage and is an at-fault state.
Compare Rates After SR-22Illinois 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
$70
State license reinstatement fee
Source: state DMV, insurance department and statute records, verified July 2026
Minimum Coverage Requirements in Illinois
The state also mandates uninsured motorist coverage at the same 25/50 limits unless you decline it in writing. SR-22 filing is typically required for DUI convictions, driving while suspended, at-fault accidents without insurance, and multiple violations within 12 months, with most requirements lasting 3 years from the offense date.
Liability Insurance
Uninsured Motorist Coverage
SR-22 Insurance
Full Coverage
Comprehensive Coverage
What Drivers Pay in Illinois
$227–$337/mo
Typical monthly rate in Illinois, high-risk drivers after a DUI
Rate data: ValuePenguin and Insurify, 2026
What Affects Your Rate
- Carrier specialization — non-standard carriers like Acceptance, Titan, and Direct Auto often offer the lowest rates for the first 12 months post-SR22
- Policy renewal timing — your violation surcharge is recalculated at each renewal, so shopping 30–60 days before renewal captures your improved risk profile
Shop Again Now That Your Filing Has Ended
Compare Rates After SR-22If your license is suspended
Restricted Driving Permit (RDP); Monitoring Device Driving Permit (MDDP) for first-offense DUI
application fee $8.
A coverage lapse is reported
The state can act when your insurance lapses.
Source: state DMV, insurance department and statute records, verified July 2026
Coverage Types
Liability Insurance
Covers injury and property damage you cause to others. Illinois minimums are 25/50/20, but post-SR22 drivers should consider 100/300/100 limits — the cost difference is typically $20–$40/mo and provides 4x the protection.
Full Coverage
Liability plus comprehensive and collision, required by lenders. Post-SR22 drivers with full coverage pay $220–$380/mo immediately after filing ends, but rates drop 25–40% within 12–24 months with clean driving.
SR-22 Insurance
Certificate proving continuous coverage filed with the Illinois Secretary of State. The filing costs $15–$35, but the high-risk premium during the 3-year requirement averages $1,800–$3,360/year for minimum coverage.
Uninsured Motorist Coverage
Protects you if hit by a driver with no insurance or insufficient coverage. Illinois requires 25/50 UM unless you waive it in writing, but post-SR22 drivers should carry limits matching their liability coverage.
Comprehensive Coverage
Covers theft, vandalism, weather, and animal strikes. Post-SR22 drivers can add comprehensive for $25–$50/mo with a $500–$1,000 deductible, and it typically carries no violation surcharge since it's not tied to at-fault behavior.
Non-Standard Auto Insurance
Policies designed for high-risk drivers, including those with recent SR-22 filings, DUIs, lapses, or suspensions. Non-standard carriers often offer the lowest rates for the first 12 months post-SR22.