Illinois SR-22 Insurance & High-Risk Auto Coverage
Illinois requires 25/50/20 liability coverage and is an at-fault state.
Find Coverage After a Traffic ViolationIllinois at a Glance
25/50/20
Minimum liability limits, in thousands of dollars (per person / per accident / property)
At-fault
The at-fault driver's insurance pays for the damage they cause
Required
Uninsured motorist coverage must be on every policy
Source: state DMV, insurance department and statute records, verified July 2026
Minimum Coverage Requirements in Illinois
Drivers with DUI convictions, license suspensions for violations, uninsured accidents, or multiple at-fault incidents typically must file SR-22 proof of insurance with the Illinois Secretary of State. The SR-22 requirement usually lasts 3 years from the reinstatement date. High-risk drivers often need above-minimum coverage to access non-standard carriers willing to write policies after violations.
Liability Insurance
SR-22 Insurance
Full Coverage
Uninsured/Underinsured Motorist Coverage
Non-Standard Auto Insurance
What Drivers Pay in Illinois
$229–$234/mo
Typical monthly rate in Illinois, drivers after a speeding ticket
Rate data: ValuePenguin and CarInsurance.com, 2026
See Who Will Insure You After a Ticket
Find Coverage After a Traffic ViolationCoverage Types
SR-22 Insurance
Electronic certificate filed by your carrier with the Illinois Secretary of State proving continuous liability coverage. Required for 3 years after DUI, suspension, or uninsured accident.
Non-Standard Auto Insurance
Policies from carriers specializing in high-risk drivers with DUI, suspensions, lapses, or multiple violations that standard insurers decline. Higher premiums but often the only option for SR-22 compliance.
Liability Insurance
Covers injuries and property damage you cause to others in an accident. Illinois requires 25/50/20 minimum, but many non-standard carriers require 50/100/50 or higher for high-risk profiles.
Full Coverage
Combines liability, collision, and comprehensive to protect both your legal obligation and your vehicle. Required by lenders and recommended for newer vehicles worth over $5,000.
Uninsured Motorist Coverage
Protects you when hit by a driver with no insurance or insufficient coverage. Illinois requires insurers to offer UM/UIM at the same limits as your liability unless you reject it in writing.
Collision Coverage
Pays to repair or replace your vehicle after an accident regardless of fault. Required by lenders but optional if you own your car outright.