Illinois SR-22 Insurance After DUI or Suspension
Illinois requires 25/50/20 liability coverage and is an at-fault state.
Find Affordable Coverage After SR-22Illinois 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
$70
State license reinstatement fee
Source: state DMV, insurance department and statute records, verified July 2026
Minimum Coverage Requirements in Illinois
Drivers with DUI convictions, multiple violations, at-fault accidents while uninsured, or license suspensions typically must file SR-22 proof of insurance with the Illinois Secretary of State for 3 years. These minimums rarely cover the full cost of a serious accident, and high-risk drivers who cause damage exceeding their limits face personal liability for the difference.
Liability Insurance
SR-22 Insurance
Uninsured Motorist Coverage
Full Coverage
Comprehensive Coverage
What Drivers Pay in Illinois
$227–$337/mo
Typical monthly rate in Illinois, high-risk drivers after a DUI
Rate data: ValuePenguin and Insurify, 2026
What Affects Your Rate
- Vehicle type: insuring a newer or high-performance vehicle during SR-22 period can double comprehensive and collision premiums
Your SR-22 Is Over. Your Rate Should Drop Too
Find Affordable Coverage After SR-22If your license is suspended
Restricted Driving Permit (RDP); Monitoring Device Driving Permit (MDDP) for first-offense DUI
application fee $8.
A coverage lapse is reported
The state can act when your insurance lapses.
Source: state DMV, insurance department and statute records, verified July 2026
Coverage Types
Liability Insurance
Covers bodily injury and property damage you cause to others. Illinois minimums (25/50/20) rarely cover the full cost of a serious accident, leaving high-risk drivers vulnerable to lawsuits and wage garnishment.
Full Coverage
Combines liability, collision, and comprehensive to protect your financial obligation and your vehicle. Critical for financed vehicles and drivers who cannot afford to replace a totaled car during the SR-22 period.
SR-22 Insurance
A certificate your insurer files with the Illinois Secretary of State proving you carry continuous liability coverage. Required for 3 years after DUI, suspension, or uninsured accident.
Uninsured Motorist Coverage
Pays your medical bills and lost wages if you are hit by an uninsured driver. Illinois requires insurers to offer it at 25/50 minimums, though you can reject it in writing.
Comprehensive Coverage
Covers non-collision damage including theft, vandalism, fire, hail, and animal strikes. Does not count as an at-fault claim and has minimal impact on SR-22 renewal rates.
Non-Standard Auto Insurance
Policies designed for high-risk drivers with DUI, suspensions, or lapses. Non-standard carriers specialize in SR-22 filings and often offer better rates than standard insurers who surcharge heavily or decline coverage.