Drivers who need an SR-22 certificate may find it more challenging to get affordable auto insurance. But with the help of the expert team at Hanway Insurance, you can get the auto insurance you need. We make it easy for any driver to meet their SR-22 requirements. 

Just contact us today, and you’ll be on your way to an SR-22 solution in no time. 

Quick Facts about SR-22 Insurance in Illinois

A Financial Responsibility Certificate, otherwise known as SR-22, notifies the Illinois Secretary of State of any lapse in coverage that you may have in your policy. Hanway Auto Insurance can provide you with an affordable SR-22 insurance documenting that an individual has the minimum liability insurance as required by law. Insurance carriers also automatically notify the Illinois Secretary of State (SOS) when an SR-22 has a lapses in coverage.

If you have lost driving privileges or your license has been suspended or revoked as the result of a car crash, conviction, or judgment, you are required to file an SR-22 with the SOS and maintain coverage for 3 years starting from the date of the conviction. An insurance card or policy will not be accepted in place of an SR-22. For more details, call any of our locations today.

What Is an SR-22?

In Illinois, some drivers must obtain SR-22 certificates when they commit multiple or severe traffic offenses. The certificate verifies that these high-risk drivers carry the minimum levels of auto insurance required of all Illinois drivers.  

Drivers receive the SR-22 from their auto insurer and then file the certificate with the Illinois secretary of state’s office. An SR-22 certificate is not an auto insurance policy but a certificate of financial responsibility. You’ll need to purchase an auto policy to which you will attach the SR-22. It should be noted that not all auto policies are eligible for SR-22 certificates. You might have to buy a new auto policy at the time you receive the SR-22. 

Most SR-22s will remain attached to your auto policy for three years. If you let your auto policy lapse during this time, then your SR-22 will also lapse. The state will be notified of this, and you could incur further penalties, including suspension of your license and registration. 

What Are The Most Common Reasons Drivers Get An SR-22?

Drivers can request an SR-22 for numerous reasons. Here are some of the most common reasons for an SR-22 filing:

• Failure to show proof of auto insurance
• A DUI or DWI or any serious moving violation
• An at-fault accident while driving without insurance
• Repeat traffic offenses or too many tickets in a short time period
• A revoked or suspended license

Statistically speaking, a driver with such incidents on their record is a higher insurance risk. The SR-22 requirement notifies the state that the driver has the minimum liability insurance and has met the state’s minimum insurance requirements.

How Much Does an SR-22 Insurance Cost In Illinois?

Car insurance companies often charge a small amount as a one-time fee for an SR-22 insurance filing. If you’ve been requested to file an SR-22 you’ll first have to get state minimum coverage and have an SR-22 filing added on to your policy. If you already have auto insurance and the state has requested an SR-22 filing then an endorsement could be made to add a SR-22 filing to your policy. If you are not currently covered get a quote from your Hanway agent for a new auto insurance policy and make sure to tell them you also need a SR-22 filed with the Illinois Secretary of State.

Will A SR-22 Filing Raise My Illinois Auto Insurance Rates?

It is likely that having an SR-22 filed with the state would increase your insurance rates. Depending on the reason you’re filing an SR-22 would determine the increase in your rates. If your rates increased because of any reason call a Hanway agent and see if we can help you find the same quality insurance at a the lowest possible rate. 

How does an SR-22 affect you?

An SR-22 must be carried for a designated time period, depending on the severity of your violations. Most offenders can expect to have an SR-22 for up to three years. During this time, you must maintain continuous liability coverage. Any break in coverage will be reported to the state, resulting in the suspension of your license. On top of securing adequate insurance, drivers with an SR-22 status should adhere to traffic laws and refrain from driving after alcohol consumption. After the proper fulfillment of this time period, a driver’s SR-22 status will expire, and driving privileges will be restored.

How much does an SR-22 cost?

The cost of premiums varies depending on the severity of your violations. Minor offenses, such as neglecting to pay a parking ticket, are often paired with more affordable policies. However, major offenses, such as drinking under the influence, are more likely to raise your premiums. To get a free quote, call us today for more information on SR-22 insurance.  

How Does an SR-22 Work?

The SR-22 requirement mandates that drivers carry the liability insurance required of all Illinois drivers. The state’s minimum mandatory insurance limits are: 

• Bodily injury liability coverage—$25,000 per person/$50,000 per accident 
• Property damage liability coverage—$20,000 per accident 

Remember, the minimum levels of coverage also do not represent the coverage that all drivers might need. You can further augment your auto policy with higher liability coverage limits and other coverage such as collision, comprehensive and uninsured motorist coverage.

How Do I Get an SR-22 If I Don’t Own A Car? 

If you do not own a vehicle but still drive, the SR-22 will be attached to a non-owner auto insurance policy. The non-owner policy provides the liability insurance that all SR-22 recipients must have, even if they are not vehicle owners. 

Contact Hanway Insurance for an SR-22  

Getting an SR-22 might seem like a hassle, but with the help of Hanway Insurance, it doesn’t have to be. We’ll compare the policies within our carrier network to find the one that offers you the best coverage at the right price.  Contact us via phone at 708-874-6000 or via email.