Illinois SR22 Insurance Filings & Quotes
In the state of Illinois an SR22 certificate is a form that is filed by your insurance provider with the DMV on your behalf. This certificate or SR22 form shows the DMV that you have an auto insurance policy that meets the state minimum coverage requirements.
The state of Illinois and the court where you were convicted will mandate that you have an SR22 policy in place if you are found guilty of various traffic violations. One of the violations that will require you to obtain an Illinois SR22 insurance policy would be being caught driving without a valid Illinois insurance policy. Driving without insurance will result in having your driver’s license suspended for 3 months, driving without auto insurance is a minor offense in the state of Illinois.
If you are stopped and found to be driving on a suspended or revoked license in Illinois is another reason that will warrant the requirement of an SR22 insurance policy in Illinois. If this is the case you need to take the necessary steps to clear the suspension and reinstate your Illinois driver’s license in order to drive legally.
Probably the biggest offense in Illinois that will require you to obtain an SR22 insurance policy will be a DUI in Illinois or driving under the influence of alcohol or drugs.
Depending on your exact offense and your overall driving record in Illinois will ultimately impact your rates regarding your SR22 in Illinois. If you had an excessive amount of points against your license, your rate is going to be lower that if you were convicted of a DUI offense, which could result in your monthly rates being triple what they were.
How long am I going to have to keep my SR22 insurance in Illinois
In most cases your relationship with your SR22 insurance in Illinois is going to be a long one, as an example if the reason is for a DUI you will need to keep your SR22 for 3-years in Illinois. You will also be required to start your – year filing period once you are eligible for your restricted license or for fill license reinstatement following your suspension period.
As long as you do not switch insurance carriers during your 3 year requirement period you will not need to file another SR22 with the DMV, however if you do change insurance providers in Illinois during your 3 year filing period you will need to have your new insurer file a new SR22 with the Illinois DMV. You will also need to file a new SR22 certificate with the DMV if you allow your policy to lapse for any reason, we strongly suggest not allowing your policy to lapse to avoid this situation.
One other way to show financial responsibility to the DMV without an SR22 certificate
If you’re a resident of Illinois who has an SR22 requirement with the Illinois DMV have the option of making a large deposit in the amount of $55,000 with the Illinois State Treasurer’s office instead of filing an SR22, not too many people can afford to go this route.
Moving to another state and your SR22 requirement
If you currently live in Illinois and are under an SR22 certificate requirement and are planning on moving out-of-state you can file an affidavit with the Illinois DMV to waive your SR22 requirement. It should be noted that not all request can be waived. If your request is not waived for one reason or another you will need to obtain a new SR22 insurance certificate in your new state. You must obtain your new SR22 certificate in your new state before canceling your Illinois SR22 insurance policy.