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Illinois SR-22 & Points Insurance for Drivers

Illinois requires SR-22 filing for DUI convictions, license suspensions, and serious violations—not for standard speeding tickets or minor violations. Most drivers with points need standard high-risk coverage, which typically costs $150–$280/mo depending on violation severity and driving history.

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Updated April 2026

Minimum Coverage Requirements in Illinois

Illinois requires minimum liability coverage of 25/50/20 ($25,000 bodily injury per person, $50,000 per accident, $20,000 property damage) and uninsured motorist coverage at the same limits. SR-22 filing is required after DUI convictions, license suspensions for serious violations, or driving without insurance—not for standard speeding tickets or point violations. Most drivers with points on their record do not need SR-22 but will see rate increases based on violation type and point accumulation.

How Much Does Car Insurance Cost in Illinois?

Drivers with points or violations in Illinois typically pay $150–$280/mo for full coverage depending on violation type, with DUI and reckless driving carrying the highest surcharges. Rates peak in the first 1–2 years after a violation, then decrease as the incident ages—most violations affect rates for 3–5 years, though they remain on your driving record longer. Chicago, Aurora, and Rockford drivers face higher baseline rates due to accident frequency and theft risk.

Minimum Compliance
State minimum liability (25/50/20) plus mandatory uninsured motorist coverage. Suitable only if you drive an older vehicle with no loan and can afford to replace it out-of-pocket after an at-fault accident.
Standard High-Risk
Higher liability limits (50/100/50 or 100/300/100) with collision and comprehensive for financed vehicles. Most drivers with one speeding ticket or at-fault accident fall into this range, with rates declining 15–25% at each renewal if no new violations occur.
SR-22 or Multiple Violations
Required for DUI, suspended license, or multiple serious violations. SR-22 filing adds $15–$35, but the underlying violation drives the rate increase. Non-standard carriers dominate this tier, and rates remain elevated for 3–5 years even after SR-22 filing ends.

What Affects Your Rate

  • Violation type and severity (DUI, reckless driving, and at-fault accidents with injury carry 50–150% surcharges; speeding tickets 15–30%)
  • Time since violation (rates drop 10–20% annually after year one if no new incidents)
  • Number of points on license (Illinois uses a suspension threshold of 3 violations in 12 months, which signals higher risk to insurers)
  • Geographic location (Cook County rates run 20–40% higher than downstate due to accident density and uninsured driver rates)
  • Whether SR-22 filing is required (limits carrier options to non-standard market)
  • Credit-based insurance score in Illinois (state allows credit as a rating factor, which compounds rate increases for drivers with violations)

Compare Auto Insurance Rates in Illinois

Find Your City in Illinois

Chicago, Illinois cityscape and street view

Chicago

urban
Aurora, Illinois cityscape and street view

Aurora

suburban
Joliet, Illinois cityscape and street view

Joliet

suburban
Tree-lined road in autumn with fall foliage and fallen leaves creating a peaceful pathway

Naperville

suburban
Rockford, Illinois cityscape and street view

Rockford

urban
White motor yacht moored at wooden dock with perfect reflection in calm water, surrounded by green trees

Elgin

suburban
Modern mixed-use building with geometric white facade pattern and traditional brick sections on urban street

Springfield

suburban
Ornate historic building shot from below through bare tree branches against blue sky

Peoria

urban
Wooden boardwalk bridge with railings winding through autumn forest with fallen leaves on ground

Waukegan

suburban
Winter twilight cityscape with snow-covered buildings and warm street lights creating starbursts against blue evening sky

Champaign

urban
Modern farm building with silos in green field under pink sunset sky

Cicero

urban
Modern glass building on waterfront with multiple water fountains spraying in lake under clear blue sky

Evanston

suburban

Sources

  • Illinois Secretary of State - Driver Services
  • Illinois Department of Insurance - Auto Insurance Requirements
  • Illinois Compiled Statutes - Chapter 625 (Vehicles)

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