What Is SR22 Insurance?

SR-22 is not a type of insurance, rather a proof of insurance. An SR-22 certificate of financial responsibility guarantees you carry the minimum insurance coverage required by the state of Illinois. It also guarantees that you will continue to carry it for a set amount of time.

The Secretary of State requires drivers in Illinois to carry a certificate of financial responsibility if they have safety responsibility suspensions. It’s also required for drivers with revocations and mandatory insurance supervision. As well as individuals who receive three or more convictions for mandatory insurance violations.

Per Illinois law, drivers that need an SR22 certificate must have the following minimum amounts in vehicle liability insurance:

  • $25,000 for injury or death of one person in an accident.
  • $50,000 for injury or death of more than one person in an accident.
  • $20,000 for damages to the property of another person.

The most common reasons financial responsibility certificates are filed are:

  • DUI/DWI convictions.
  • Driving without insurance.
  • Driving without a license.
  • A revoked or suspended license.

More Information

Do you have any additional questions regarding filing fees, insurance requirements, or SR-22 forms? Our team of insurance agents and customer service representatives are here to help with your insurance coverage needs. Call us today at 888-949-6289 or visit your nearest Insurance Navy location. Because we care about your convenience, our offices open from 8 a.m. to 9 p.m. CST, 7 days a week.

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*Please review your own policy carefully for details on your SR-22. SR-22 varies by the insurance company.