SR22 Explained


Financial responsibility insurance monitors the insurance of high-risk drivers. An SR-22 certificate of financial responsibility guarantees you carry the minimum insurance required by the State of Illinois and that you will continue to carry it for a set amount of time.

To obtain an SR-22, contact an agent at Insurance Navy in-person, over the phone, online or through our mobile app. Insurance Navy will submit an SR-22 filing on your behalf on a Financial Responsibility Certificate.

An SR-22 certificate is issued in one of the following forms:

Operator’s Certificate

Operator’s certificates cover the driver in any non-owned vehicle.

Owner’s Certificate

Owner’s certificates cover cars owned by the driver. The type of vehicle must be listed on the SR-22 or may be issued for all owned vehicles.

Operators-Owners Certificate

Operators-owners certificates cover all cars owned or not owned by the driver.

When a driver makes a payment towards an SR22 policy, an Insurance Navy agent will submit a request for an SR-22 through the Secretary of State’s office. This may take up to 30 days to process. Once processed, the driver will receive a copy of the SR-22 certificate as well as a letter from the Secretary of State’s office confirming their SR-22 is in place.

Usually, a financial responsibility certificate must be maintained for three years but it may range from two to five years. If an Sr-22 cancels or expires, the law requires Insurance Navy to notify the Safety and Financial Responsibility Section. When the Secretary of State receives notice of a cancellation, the driver’s license will receive a suspension. This suspension will remain until the financial responsibility filing has been reinstated.

SR-22 insurance must be renewed at least 45 days before the policy ends to avoid license suspensions.

If drivers do not want to go through this process, they may deposit $70,000 in cash or securities with the Illinois State Treasurer. They may also file a surety bond or file a real estate bond.

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 property of another person

The most common reasons financial responsibility certificates filed are:

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

SR-22s: What Drivers Want To Know

What is an SR-22?

An SR22 is a financial responsibility certificate that’s required for a driver to reinstate or maintain their driving privileges.

Why do I need an SR-22?

An SR-22 is required for high-risk drivers. Usually, when drivers involved in an accident or a traffic stop do not have car insurance, they will need an SR22 filing.

You may also need an SR-22 if you:

  • Have a DUI or DWI
  • Have a serious moving violation or car accident
  • Were driving without insurance or a license
  • Have repeat traffic offenses
  • A revoked or suspended license
  • Court-ordered reasons including failing to pay child support

The typical amount of time required for an SR-22 is 3 years but ranges from two to five years.

Why is my license still suspended even after filing an SR22?

A license may still be suspended after an Sr-22 filing if there are additional judgements against you. This includes unpaid tickets or fines, unpaid child support or there may be an error in your SR-22. Contact an agent at Insurance Navy so they can verify your information. This includes proper spelling of your first, middle and last name, your date of birth and driver’s license number.

Why was my SR22 rejected?

An SR-22 may need refiling if there is an error in your SR-22 application. Contact an agent at Insurance Navy so they can verify your information. This includes proper spelling of your first, middle and last name, your date of birth and driver’s license number.

More Information

Do you need more information about SR22 explained, or would you like  a Certificate Of Financial Responsibility explained more thoroughly? Our agents and customer service representatives are here to help with your SR-22 insurance rate needs. Call us today at 1-888-949-6289 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. Moreover, they are open 7 days a week.

Additionally, we can help you find an insurance quote right on our website. Because we want  to help you save money wherever possible, we offer our insurance quotes completely free of charge. By navigating our website, you can also inform yourself about many useful topics, such as coverage for repairing or replacing parts for your car after a crash, how to file a police report, and why you should never admit fault immediately following a car crash.

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*Please review your own SR22 for details. SR-22 varies by state, person and insurance company.