The State of Illinois requires certain "problem" drivers (e.g., those with safety responsibility suspensions, unsatisfied judgment suspensions, and DUI revocations) to carry SR22 insurance. "SR22 insurance" is really just a nickname that is used to mean an insurance policy that requires an insurance company to file an SR22 form with the Secretary of State on the insured person's behalf.
There are three types of SR22 insurance in Illinois:
Illinois requires DUI offenders to install an ignition interlock in their vehicles. This can pose a problem for people who do not own a vehicle. In order to comply with the relatively new ignition interlock laws, you will probably need to own a vehicle, which means that you will need to purchase an owner's SR22 insurance policy instead of a non-owner SR22 insurance policy.
An Illinois SR22 insurance requirement can last for 1 to 3 years. If your SR22 policy nears expiration without renewal, or is canceled, your insurance company will file an SR26 form with the Secretary of State. This will likely result in the suspension of your driver's license.
Non-owner SR22 insurance must be purchased from an insurance company authorized to write financial responsibility insurance in Illinois and have a power of attorney on file in Illinois. You can access those companies by entering your Illinois zip code here:
For More Information:
If you have questions about non-owner SR22 insurance that this page did not answer, you can contact the Illinois Secretary of State directly at 1-800-252-8980 (TDD/TTY 1-888-261-5238). You can also use their online contact form.
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