SR-22 Insurance in Schaumburg, IL
A letter from the Illinois Secretary of State says you need an SR-22. Now you have a deadline and a lot of questions. We file SR-22 insurance for drivers in Schaumburg and the northwest suburbs, in English or in Spanish.
Call us at (847) 238-3861 or come to the office at 1901 North Roselle Road, Suite 800. We are open Monday to Friday 10 to 7 and Saturday 10 to 3.
What Is an SR-22?
An SR-22 is not a kind of insurance. It is a form your insurance company sends to the state. It proves you have at least the liability cover Illinois asks for.
The state watches that form. If your policy ends or gets cancelled, the insurance company has to tell the Secretary of State, and your license is suspended again.
Who Needs an SR-22 in Illinois?
The Illinois Secretary of State asks for an SR-22 from drivers who have had:
- A crash while driving without insurance.
- A revoked license, which is what a DUI conviction brings in Illinois.
- A court judgment from a crash that went unpaid.
- Three or more tickets for driving without insurance.
Your letter from the state names the reason. Bring it with you, or read it to us over the phone.
How the SR-22 Gets Filed
You do not file the SR-22 yourself. Once you pay for the policy, we send the request to the insurance company. The company files the SR-22 straight to the Secretary of State in Springfield.
The state says this can take up to 30 days to process. You get a copy from the insurance company and a letter from the state. That is why it helps to call as soon as the letter comes.
How Long You Need an SR-22 in Illinois
Illinois asks you to have the SR-22 in place for three years. The policy has to be paid and active the whole time.
The state asks you to renew at least 45 days before the policy ends. Miss a payment and the insurance company reports it, and your license is suspended until a new SR-22 is filed.
SR-22 Insurance After a DUI
A DUI conviction in Illinois revokes your license. To get it back, the state asks for an SR-22 along with its other steps. Many companies will not quote a driver with a DUI.
We are an independent agency, so we can check with several companies that do write SR-22 policies. We tell you what each one asks for and you pick.
Non Owner SR-22 for Drivers Without a Car
You may need an SR-22 even if you do not own a car. Illinois has a version that covers you when you drive a car that belongs to someone else.
A non owner policy is often the way to get your license back before you buy your next car. When you do buy one, we move you to a policy that covers your own car.
High Risk Auto Insurance in Schaumburg
Tickets, a crash, a DUI or a gap in coverage can make a company call you a high risk driver. Some will turn you down. Others will quote a price that makes no sense.
Being turned down by one company does not mean every company will say no. We shop your record with the companies we work with and show you the options side by side.
What to Bring When You Call
- The letter from the Secretary of State.
- Your driver’s license number, or your license number from another state or country.
- The car you drive, if you own one: year, make and model.
- Your current or last insurance policy, if you have one.
Do not have all of it? Call anyway. We can start with what you have.
Frequently Asked Questions
Is SR-22 insurance more expensive?
The price depends mostly on the reason you need it, like a DUI or a crash without insurance. We compare companies to find the best price for your record.
Can I get an SR-22 if I do not have a car?
Yes. A non owner SR-22 covers you when you drive cars you do not own. It is common for drivers who sold their car or are between cars.
What happens if my SR-22 policy lapses?
The insurance company has to tell the Secretary of State, and your license is suspended again. Call us before a payment is late, not after.
Do you help in Spanish?
Yes. Our team works with customers in English and in Spanish, on the phone and at the office. Visit our Spanish site.
Get Your SR-22 Started
Need to know what Illinois asks for? The Illinois Secretary of State SR-22 page has the rules. For coverage on your own car, see our auto insurance in Schaumburg page.
Ready to file? Get a quote online or call (847) 238-3861.