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Need Chicago SR22 Insurance? What is SR-22 Car Insurance?

Find the right Insurance from the experts at IL Insurance Center

Chicago insurance companies offer a specific form that can help individuals whose license has been revoked or suspended due to the lack of insurance. Since it is illegal to drive without insurance the penalties of doing so can be steep, including the temporary loss of your license. Individuals in this situation need an SR-22 car insurance certificate to prove to the IL Secretary of State that they will be insured when their license is reinstated.

There are other reasons why you may be required to get SR-22 car insurance. A conviction of Failure to Maintain Auto Insurance is the primary reason, but there are other traffic offenses that can cause you to lose your license in Illinois. These include DUI or DWI, endangerment of other drivers and pedestrians, and other traffic violations that indicate your negligence.

There are two types of SR-22 certificates, one for the owners and one for “non-owners”:

  1. Owner’s Certificates - The certificate will cover the vehicle owned by the driver insured under an SR-22 certificate. Type of vehicle will be included.
  2. “Non-Owners” Certificates - If you do not own a vehicle, you can still get an SR-22 certificate to cover you as a driver.

With an SR-22 auto insurance certificate the Chicago insurance company is connected with the IL Secretary of State. If you stop paying your insurance or if your policy expires or is cancelled, the insurance company must send a notification to the DMV. This will signal to the state that you are once again breaking the law and you can count on continued suspension of your license and potential further charges.

The SR-22 car insurance certificate is required for individuals whose license has been revoked or suspended, and it can be a big burden. The truth is that the long term burden of not having a license and risking future run-ins with the law is more significant. Getting on the right side of the law requires compliance with the SR-22 certificate rules and can be your ticket to being a legal driver once again.

For help with acquiring an SR-22 car insurance certificate at a competitive price, call us today at (866) 910-2601. Illinois Insurance Center has helped many people get the legal coverage they need.


(866) 910-2601

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