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Illinois SR-22 Insurance After a DUI or Violation

Illinois requires 25/50/20 liability coverage and is an at-fault state.

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Illinois 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

Source: state DMV, insurance department and statute records, verified July 2026

Minimum Coverage Requirements in Illinois

Drivers convicted of DUI, caught driving without insurance, or suspended for violations typically must file SR-22 proof of financial responsibility with the Illinois Secretary of State for 3 years. Uninsured motorist coverage is not required but strongly recommended, as approximately 1 in 8 Illinois drivers operates without coverage. High-risk drivers often face non-renewal or cancellation if they maintain only state minimums after a violation.

Liability Insurance

After a DUI or at-fault accident, carriers scrutinize your limits closely, and some non-standard insurers require higher liability minimums to write your policy at all.

SR-22 Insurance

SR-22 is not a separate insurance product — it's a certificate your insurer files with the Illinois Secretary of State to prove continuous coverage. You'll need it after a DUI, license suspension, multiple violations, or being caught driving uninsured. If your policy lapses even one day during the 3-year requirement, the clock restarts from zero.

Full Coverage

Full coverage bundles liability, collision, and comprehensive. If you're financing a vehicle or need to protect its value, this is non-negotiable. Lenders require it, and dropping collision or comprehensive to save money can trigger a loan default or leave you uninsured if your car is totaled.

Non-Standard Auto Insurance

Non-standard carriers specialize in high-risk profiles: DUIs, suspensions, lapses, and multiple violations. Rates typically decrease after 1–2 years of violation-free driving, at which point you can shop for standard market re-entry.

Uninsured Motorist Coverage

Illinois does not mandate uninsured or underinsured motorist coverage, but you must actively reject it in writing.

What Drivers Pay in Illinois

$229–$234/mo

Typical monthly rate in Illinois, drivers after a speeding ticket

Rate data: ValuePenguin and CarInsurance.com, 2026

What Affects Your Rate

  • Violation type: DUI surcharges are 2–3x higher than speeding or at-fault accidents
  • Vehicle type: comprehensive and collision costs scale with vehicle value; older cars significantly lower full-coverage premiums
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Coverage Types

SR-22 Insurance

Required certificate filed by your insurer to prove continuous coverage to the Illinois Secretary of State. Mandatory for DUI, suspension, or driving uninsured. The filing costs $15–$35, but the underlying policy drives the total expense.

Liability Insurance

Covers injury and property damage you cause to others. Illinois mandates 25/50/20 minimums, but high-risk drivers often need higher limits to secure non-standard coverage or protect personal assets.

Full Coverage

Bundles liability, collision, and comprehensive. Required by lenders if you're financing or leasing. Protects your vehicle and others' property in a single policy.

Non-Standard Auto Insurance

Specialized coverage for drivers with DUIs, suspensions, lapses, or multiple violations. Non-standard carriers accept higher-risk profiles but charge 2–4x standard market rates.

Uninsured Motorist Coverage

Protects you if an at-fault driver has no insurance or insufficient limits. Illinois does not require it, but approximately 12–13% of state drivers are uninsured.

Collision Coverage

Pays to repair or replace your vehicle after an accident, regardless of fault. Required by lenders; optional if you own your car outright.

Find Your City in Illinois

Chicago

urban

Aurora

suburban

Joliet

suburban

Naperville

suburban

Rockford

urban

Elgin

suburban

Springfield

suburban

Peoria

urban

Waukegan

suburban

Champaign

urban

Cicero

urban

Evanston

suburban