Illinois SR-22 & Points Insurance for Drivers
Illinois requires 25/50/20 liability coverage and is an at-fault state.
Find Coverage with Points on Your LicenseIllinois 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
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.
Bodily Injury Liability
Property Damage Liability
Uninsured Motorist Coverage
Full Coverage (Collision + Comprehensive)
SR-22 Certificate Filing
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
- Number of points on license (Illinois uses a suspension threshold of 3 violations in 12 months, which signals higher risk to insurers)
- 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)
See What Points Are Really Costing You
Find Coverage with Points on Your LicenseCoverage Types
Liability Insurance
Covers injury and property damage you cause to others in at-fault accidents. Illinois requires 25/50/20, but drivers with violations should carry 50/100/50 or higher to protect assets and avoid out-of-pocket exposure.
Full Coverage
Combines liability, collision, and comprehensive coverage to protect both your vehicle and others. Required by lenders and essential for drivers with financed vehicles or cars worth more than a few thousand dollars.
Uninsured Motorist Coverage
Mandatory in Illinois at 25/50/20 limits, this covers you when hit by a driver without insurance or with insufficient coverage. You cannot waive this coverage in Illinois.
SR-22 Insurance
SR-22 is a state-required certificate filed by your insurer proving continuous coverage after serious violations like DUI or suspended license. Filing costs $15–$35, but the violation itself drives premium increases.
Non-Standard Auto Insurance
Specialized coverage for drivers with DUI, suspended license, multiple violations, or SR-22 requirements who cannot get standard policies. Non-standard carriers accept higher-risk profiles but charge higher premiums.
Collision Coverage
Pays to repair or replace your vehicle after an at-fault accident, regardless of who caused the damage. Lenders require this if you finance or lease your vehicle.