SR-22

Keeping you in compliance with state mandates

SR-22s aren't technically insurance. Rather, SR-22 filings may be required by your state Department of Motor Vehicles under certain circumstances as proof you carry the minimum required liability insurance. These are also known as filings, bonds, forms, certificates of insurance, certificates of financial responsibility (CFR), or simply referred to as SR-22s.

What is an SR-22?

An SR-22 is a form that proves you have secured appropriate personal auto liability insurance. Liability insurance is the part of an auto insurance policy that provides coverage for property damage or bodily injury that you are responsible for. Most drivers will not need to have SR-22 filings, but those who are considered high-risk might need to take this extra step. Each state has its own requirements and filings may be required in multiple states under certain circumstances.

Factors that lead to a high-risk classification

Most drivers with clean records and no traffic violations will not be considered high-risk or subject to SR-22 requirements. There are multiple reasons a person may find themselves in this situation. These include:

Having a DWI or DUI on record.

At-fault accidents.

Reckless driving.

Driving under a suspended or revoked license.

Driving without insurance.

Numerous smaller incidents in a short period of time.

Failure to pay court-ordered child support.

There are multiple kinds of SR-22s

There are three different kinds of SR-22 filings. One is for owners, or people who own and operate their own personal vehicle. One is for operators, which is for those who do not own a car but sometimes rent or borrow one. Finally, there is an owner/operator filing, which is for those who own their own car but sometimes rent or borrow another.

How much does an SR-22 filing cost?

The cost of an SR-22 will vary from state to state. In some cases, there may be a filing fee that is added to your auto insurance policy premium. Another potential cost to keep in mind is that your driving record can sometimes affect your premium. If you are deemed high-risk, an insurance company can charge a higher rate.

Not all auto insurance carriers will offer SR-22 filings or provide insurance to high-risk drivers. If you need help finding the best policy for your situation or filing an SR-22, we can help. Contact us to learn more.

Request a sr-22 quote to get started.

Frequently Asked Questions

What does Illinois auto insurance typically include?

Illinois requires liability coverage at minimum. Most drivers also carry uninsured motorist protection and may add comprehensive and collision for their own vehicle. Limits should reflect assets and how much you drive on Chicagoland highways.

How can I save on auto insurance in the Chicagoland area?

Bundling home and auto, reviewing deductibles, and comparing telematics or good-driver programs across carriers often helps. As an independent agency, we shop multiple markets rather than a single company menu.

What is SR-22 and when is it required in Illinois?

An SR-22 is a certificate filed with the state proving you carry required liability insurance after certain violations or suspensions. Not all carriers offer SR-22 filings, so comparing options matters.

How do teen drivers affect my policy in Illinois?

Adding a young driver usually increases premium and may require updated limits. We review household drivers, vehicle use, and student discounts to keep coverage appropriate as families change.

How does an independent agency help me compare SR-22 options?

As an independent agency in Roselle, we compare SR-22 options from multiple carriers instead of a single company menu. That helps Illinois clients find coverage that fits their risks, contracts, and budget—with local follow-up when questions or claims come up.