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Illinois SR-22 & High-Risk Auto Insurance

Illinois requires 25/50/20 liability coverage and is an at-fault state.

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Illinois 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

Drivers convicted of DUI, caught driving uninsured, or accumulating multiple serious violations typically must file SR-22 proof of financial responsibility with the Illinois Secretary of State for 3 years. Uninsured motorist coverage is also required at the same 25/50 limits, though many high-risk drivers benefit from higher limits to protect against rate spikes from a second incident.

Liability Insurance

High-risk drivers—especially those with at-fault accidents or DUIs—should consider 100/300/100 limits to avoid personal exposure if sued and to demonstrate financial responsibility during the SR-22 period. Minimum limits leave you personally liable for damages exceeding coverage, and a second incident while already high-risk can trigger non-renewability.

SR-22 Insurance

SR-22 is not separate insurance but a certificate your carrier files with the Illinois Secretary of State proving you carry at least state minimum liability. Any lapse in coverage during the 3-year requirement triggers automatic license suspension and restarts the filing clock.

Uninsured Motorist Coverage

Illinois requires uninsured motorist bodily injury coverage at 25/50 minimums unless you reject it in writing. Higher UM limits (100/300) cost relatively little and shield you from out-of-pocket medical costs that could otherwise derail rate recovery.

Full Coverage

Full coverage pairs liability with comprehensive and collision, essential if you finance or lease your vehicle or if your car's value exceeds a few thousand dollars.

Non-Standard Auto Insurance

Non-standard or high-risk carriers specialize in drivers with DUIs, suspensions, lapses, or multiple violations. Coverage may include higher down payments, shorter policy terms (6 months), and restricted payment options, but approval odds are significantly higher than with standard carriers.

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

  • Age and experience: drivers under 25 with violations may pay double the rates of older high-risk drivers
  • Credit-based insurance score: Illinois allows credit as a rating factor, and poor credit combined with violations compounds premium increases
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Coverage Types

Liability Insurance

Pays for injuries and property damage you cause to others. Illinois requires 25/50/20, but high-risk drivers benefit from higher limits to avoid personal exposure if sued after a second incident.

Full Coverage

Combines liability, comprehensive, and collision. Protects your vehicle and others, essential if you finance or lease or own a car worth more than a few thousand dollars.

SR-22 Insurance

SR-22 is a filing, not a policy—your insurer electronically certifies to the state that you carry at least minimum coverage. Required for DUI, driving uninsured, or serious violations.

Non-Standard Auto Insurance

Specialized carriers that accept high-risk drivers declined by standard insurers. Higher premiums but broader acceptance for DUIs, lapses, and multiple violations.

Uninsured Motorist Coverage

Pays your medical bills and lost wages if hit by a driver without insurance. Illinois requires UM at 25/50 minimums unless you reject it in writing.

Collision Coverage

Covers damage to your vehicle in an at-fault accident or single-car crash. Required by lenders if you finance or lease your car.

Find Your City in Illinois

Chicago

urban

Aurora

suburban

Joliet

suburban

Naperville

suburban

Rockford

urban

Elgin

suburban

Springfield

suburban

Peoria

urban

Waukegan

suburban

Champaign

urban

Cicero

urban

Evanston

suburban