SR-22 Insurance

How Does SR-22 Coverage Work?

An SR-22 (financial responsibility) is also known as SR-22 insurance or Certificate of Financial Responsibility (CFR). The SR-22 policy was created to make it difficult for high-risk drivers to operate a vehicle without insurance. The Office of the Secretary of State uses the SR-22 insurance certificate in Illinois to verify that a high-risk driver possesses the state-required insurance.

If you are classified as a high-risk driver, Illinois Vehicle Auto Insurance will help. After you purchase an auto insurance policy, we file the form to obtain an SR-22 certificate that gets you on the road again — legally. Without an SR-22 certificate, the Secretary of State revokes the license of uninsured, high-risk drivers. In Illinois, SR-22 policies range from one to five years, depending on the nature of the violation. Cheap SR-22 insurance may not always be best; Illinois Vehicle offers first-rate, affordable SR-22 insurance that fits your circumstances and budget.

Who is Required to Carry SR-22 Insurance?

Simply put, drivers who have been convicted of serious motor-related violations, including driving without insurance, are required to carry the Illinois SR-22 insurance certificate. The Secretary of State notifies the individual that he or she has been designated a high-risk driver subject to the SR-22 requirement.

Examples of violations that result in the SR-22 requirement in Illinois include:

• DWI/DUI (Driving While Impaired/Driving Under the Influence)
• Failure to carry insurance
• Multiple moving violations
• Reckless driving