Cheap SR-22 Insurance in Illinois - April 22, 2025

SR- 22 Seguros

Do you need cheap SR-22 insurance? An SR-22 (financial responsibility) insurance is not a form of insurance nor a policy itself. Rather, it is a document issued from your auto insurance provider to the state’s Department of Motor Vehicles (DMV) that states you have at least the state’s minimum required liability insurance in place. It is an important certificate to maintain if you’ve been involved in a serious moving violation, had your license suspended, or are otherwise considered a high-risk driver. At Oxford Auto Insurance, we help our clients obtain these certificates quickly and at the most affordable level possible. If you need SR-22 insurance quotes, we can provide that for you.

What Is Required Under State Law?

When it comes to SR-22 insurance, Chicago, Illinois residents who require this type of auto insurance certificate will need to meet the state’s required amount of liability insurance:

  • $25,000 of bodily injury liability insurance per person
  • $50,000 of bodily injury insurance liability insurance per accident
  • $20,000 of property damage coverage
  • $25,000 per person and $50,000 total per accident in underinsured and uninsured motorist coverage

What does this mean to you? First, you’ll need to contact Oxford Auto Insurance to request a free quote for auto insurance. Once you obtain the state-required liability insurance listed here (or you select a policy that is more than this amount of coverage), your insurer will issue the cheap SR-22 document to you. Also known as financial responsibility insurance, this certificate proves to the DMV and courts that you have the financial ability to pay the losses that another person suffers if you cause an accident. If you’re wondering how much an SR-22 insurance costs, you can get SR-22 insurance quotes from us as well.

How Does SR-22 Insurance Work?

SR-22 is a certificate of proof of insurance issued by your insurance agency stating you have the state’s required liability insurance in place. You must maintain that level of insurance. If you fail to do so, your insurer is required, under law, to report this to the DMV immediately. The DMV may take steps to suspend your license.

Who Is Required to Carry SR-22 Insurance?

This requirement is often put in place after a driver is considered high risk. You may need it if you have points on your license for speeding or other moving violations. It may be required if you’ve been found guilty of a DUI or DWI, causing a significant accident, or driving without insurance.

What Is the Cost of SR-22 Insurance?

You’ll pay a minimal fee to your insurer for this certificate. However, it may be more expensive to obtain liability insurance if you have an SR-22 requirement. This is because you are a higher-risk driver. The insurer sets the rates based on your specific driving record. The cheap SR-22insurance cost is available to you through an SR-22 insurance quote.Our SR-22 insurance quotes are free. Simply get in touch with us through the phone or visit one of our local brick and mortar offices to get a free quotation. We would love to help you on your journey to getting the SR-22 insurance policy to best suits your needs.

What Are the Filing Requirements in Illinois?

SR-22 documentation is supplied directly from the insurer to the Department of Motor Vehicles. It must be maintained for three years. If it is canceled or expires, the insurer must send a letter to the Safety and Financial Responsibility Department to report it. Additionally, all drivers who have an SR-22 requirement must carry proof of insurance and their SR-22 at all times.

When Do You Need an SR-22?

The DMV will state when an SR-22 is a requirement. This may happen after:


Conducir bajo la influencia (DUI , DWI )
Placas vencidas
Licencia de conducir ha sido suspendida o revocada
Recibir demasiados billetes en un corto período de tiempo

Si usted tiene preguntas acerca de cómo obtener una póliza de SR- 22 , no dude en llamar y hablar con un agente de seguros de Oxford !

Si tiene preguntas o quejas por favor póngase en contacto con nuestro departamento de servicio al cliente al (630) 590-6158 o envíenos un correo electrónico a [email protected].