SR-22 Auto Coverage in Illinois
SR-22 Auto Insurance in Illinois
In the land of Lincoln, auto insurance laws are strictly enforced. Make no mistake about it, getting caught without Illinois auto insurance is just asking for trouble. Plus, there's no reasons you shouldn't get auto insurance in Illinois: The average cost of coverage in 2009 was a reasonable $1,437 – almost $300 lower than the national average! Even if you need to obtain SR-22 auto insurance, you can still find affordable rates by requesting a free quote for auto insurance right here.
Illinois auto insurance minimum levels
- $20,000 for one person killed or injured
- $40,000 for two or more persons killed or injured
- $15,000 for property damage.
All vehicles must have auto insurance and proof of insurance must be in the vehicle at all times. If stopped by the police or if involved in an accident, you must be able to provide proof of insurance.
Illinois SR-22 issues
There are many reasons why drivers may be required to get an SR-22 certificate. Some of these reasons may include a DUI, reckless driving citation, or being caught with no auto insurance . If you are required to have an SR-22 certification, then the SR-22 policy must meet the minimum liability requirement for Illinois (see above).
How to get Illinois SR-22 certificates
The SR-22 must be filed by the auto insurance company that issues it. In addition, the auto insurance company that issues the certificate must be authorized to write financial responsibility insurance in Illinois, and must also have a power of attorney on file in Illinois.
The SR-22 certificate will be sent to the Secretary of State in Springfield. This can take up to 30 days. If accepted, you will receive a copy of the SR-22. The certificate must be kept valid for 3 years. If it lapses, the DMV will be notified and you will lose your driving privileges.
In lieu of the auto insurance with an SR-22, you may deposit $55,000 in cash or securities with the state Treasurer, file a surety bond, or file a real estate bond approved by a court of record.