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Home » What is SR-22 Insurance
febrero 27, 2024

What is SR-22 Insurance

Illinois drivers convicted of certain serious driving offenses may be required to file an SR-22 form to prove that their auto insurance coverage meets the state’s minimum requirements. In Illinois, all residents who drive must maintain minimum amounts of auto insurance, including liability insurance, to help cover third-party accident-related deaths, injuries and property damage.

If you must file SR-22, contacting your agent is crucial. There is typically a deadline by which you must have your insurer file the form with the Department of Motor Vehicles. Failure to file SR-22 by the deadline could result in not having your license reinstated, rendering you unable to drive a car legally. police lights

What Does SR-22 Insurance Cover?

Technically, SR-22 isn’t insurance; it’s a certificate your insurance company files with the state. SR-22 forms are typically associated with the following:

  • Proving financial responsibility—Shows you carry at least the state-required minimums for auto insurance.
  • Reinstating a suspended license—You may be required to reinstate driving privileges after certain offenses.

What’s SR22 Insurance?

SR22 insurance is a common misnomer, as the SR-22 isn’t insurance but a form or certificate. The filing is usually required after certain traffic offenses, such as DUIs, reckless driving, or driving uninsured.

When Must You File SR-22?

SR-22 filing may be required for various reasons, typically relating to driving offenses. You might need an Illinois SR-22 if any of the following apply:

  • You are convicted of a DUI or DWI.
  • You have multiple traffic offenses in a short time frame.
  • You are involved in an accident while uninsured.
  • Your driver’s license is suspended or revoked.

If you must keep an SR-22 form on file with the state, you’ll receive a formal notice that includes the reason for the SR-22 requirement and the deadline by which you must file the form.

Is Filing an Illinois SR-22 Form Expensive?

The cost of filing an SR-22 form varies by state and insurance provider. However, the cost of the SR-22 filing is generally nominal. The main expense typically comes from the increased insurance premiums due to the traffic violations that necessitated the SR-22.

Contact Us

If you have received notice that you must file an SR-22 form, Samco Agency in Wood Dale, IL, is here to help. Our knowledgeable team can guide you through obtaining an SR-22 and ensuring your auto insurance meets Illinois’s state requirements.


This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.

Categories: SR-22

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