Cheapest SR-22 Insurance in Illinois for 2024 (Top 10 Low-Cost Companies)
Geico, Travelers, and Allstate offer the cheapest SR-22 insurance in Illinois for as low as $26/month. These top providers offer the most affordable premiums and feature an early signing discount program and the ability to combine safe driver and multi-policy discounts for optimal savings.
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Ty Stewart
Licensed Insurance Agent
Ty Stewart is the founder and CEO of SimpleLifeInsure.com. He started researching and studying about insurance when he got his first policy for his own family. He has been featured as an insurance expert speaker at agent conventions and in top publications. As an independent licensed insurance agent, he has helped clients nationwide to secure affordable coverage while making the process simpl...
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UPDATED: Nov 22, 2024
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Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Nov 22, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
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11,413 reviews
You can find the cheapest SR-22 insurance in Illinois at Geico, Travelers, and Allstate. Geico SR-22 insurance rates start at $26/month, but all top three companies offer great discounts, flexible coverage options, and low prices.
Use this guide to find affordable SR-22 auto insurance coverage anywhere in Illinois. We review all the available auto insurance discounts so you can secure the lowest rates.
Explore tips and strategies to help reduce your premiums while meeting state requirements and ensuring full coverage protection.
Our Top 10 Company Picks: Cheapest SR-22 Insurance in Illinois
Company Rank Monthly Rates A.M. Best Best For Jump to Pros/Cons
#1 $26 A++ Competitive Pricing Geico
#2 $27 A++ Customizable Policies Travelers
#3 $29 A+ Nationwide Discounts Allstate
#4 $32 B Extensive Network State Farm
#5 $35 A Personalized Coverage American Family
#6 $38 A+ Flexible Options Nationwide
#7 $41 A Comprehensive Packages Farmers
#8 $44 A+ Usage-Based Rates Progressive
#9 $48 A Bundling Savings Liberty Mutual
#10 $49 A+ Mature Driver Focus The Hartford
Enter your ZIP code into our free quote tool to find the best auto insurance providers for your needs and budget.
- The cheapest SR-22 insurance in Illinois starts at $26/month
- Geico is the top provider of affordable SR-22 coverage
- You might need to file IL SR-22 after multiple accidents or DUIs
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#1 – Geico: Top Overall Pick
Pros
- Market-Leading Premium: As mentioned in the Geico auto insurance review, Geico provides the cheapest SR-22 insurance in Illinois for just $26 a month, much lower than other companies.
- Budget-Friendly Full Coverage: In Illinois, you can get SR-22 insurance with full coverage for $110 per month, which is a good price compared to others.
- Multi-Policy Value: In Illinois, people with SR-22 insurance can save the most money by bundling auto insurance with Geico home or renters insurance.
Cons
- Fewer Customization Options: Illinois SR-22 insurance plans offer fewer options for tailoring your coverage than the specialized companies.
- Restricted Payment Options: Fewer installment plans are available for Illinois SR-22 policyholders than competitors like Travelers.
#2 – Travelers: Cheapest Customizable Policies
Pros
- Flexible SR-22 Policies: The second-lowest SR-22 insurance rate in Illinois is $27 monthly, and coverage options are highly customizable.
- Early Signing Benefits: A unique early signing discount program for Illinois SR-22 insurance holders provides additional savings opportunities.
- Competitive Full Protection: Full coverage SR-22 insurance starts at $105 monthly in Illinois, beating many market competitors. Compare more quotes in our Travelers auto insurance review.
Cons
- Complex Discount Structure: More stringent Illinois SR-22 insurance discount eligibility requirements than other providers.
- Limited Digital Integration: Online SR-22 insurance management tools in Illinois lack some modern features competitors offer.
#3 – Allstate: Best Nationwide Discount Availability
Pros
- Extensive Network Access: Illinois SR-22 insurance rates are just $29/month. See more rate comparisons in our Allstate auto insurance review.
- Comprehensive Discount System: In addition to safe vehicles and bundling, there are multiple Allstate discount options specifically for Illinois SR-22 insurance.
- Interstate Flexibility: Seamless SR-22 insurance coverage transition makes it easy for Illinois drivers relocating to other states.
Cons
- Premium Full Coverage Costs: Illinois SR-22 insurance at $115 a month is pricier than the top competitors.
- Limited Local Agents: Some areas of Illinois have fewer Allstate agents, meaning customers may find it more difficult to access personalized services and support when needed.
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#4 – State Farm: Cheapest With Extensive Network
Pros
- Local Agent Network: The most extensive network of local agents in Illinois specializing in SR-22 insurance.
- Value-Based Coverage: Offers full coverage of SR-22 insurance in Illinois at $100 monthly, cheaper than several major competitors.
- Multi-Vehicle Value: Strong discount structure for Illinois SR-22 drivers, ensuring multiple vehicles under one policy. Read more in our State Farm auto insurance review.
Cons
- Processing Time: Customers report longer SR-22 filing and processing in Illinois than with other companies.
- Low Financial Rating: State Farm’s A.M. Best rating is lower than other SR-22 insurance companies in Illinois.
#5 – American Family: Cheapest Personalized Coverage
Pros
- Customizable Solutions: AmFam offers adaptable SR-22 insurance packages in Illinois starting at $35 monthly for minimum coverage.
- Local Market Expertise: Expert agents in Illinois are well-versed in the state’s SR-22 insurance rules, as mentioned in the American Family auto insurance review.
- Flexible Payment Options: Convenient SR-22 insurance payment alternatives in Illinois and benefits for paperless transactions.
Cons
- Higher Deductibles: American Family might offer plans with higher deductibles, meaning you could pay more out of pocket if you make a claim.
- Geographic Limits:American Family SR-22 insurance is only available in 26 states.
#6 – Nationwide: Cheapest Flexible Options
Pros
- SmartRide Integration: Unique usage-based program for Illinois SR-22 insurance holders at $38 monthly with potential savings of up to 40%.
- Accident Forgiveness Option: Special accident forgiveness program for Illinois SR-22 insurance customers.
- Bundling Advantages: Our Nationwide auto insurance review boasts the company’s multiple policy bundling options for Illinois SR-22 insurance holders.
Cons
- Limited Coverage Radius: Nationwide’s roadside assistance comes with limits. If you hold an SR-22 in Illinois and venture beyond the set boundaries, you might find help hard to come by.
- Coverage Transition Complexity: Transferring SR-22 insurance across state lines if you leave Illinois is more complicated than with other companies.
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#7 – Farmers: Cheapest Comprehensive Packages
Pros
- Inclusive Coverage Options: Offers extensive SR-22 insurance package choices in Illinois at $41 monthly with customizable features.
- Signal Program Benefits: A special app that helps people in Illinois with SR-22 insurance keep track of their coverage and provides chances to earn discounts.
- Professional Support Structure: Our Farmers auto insurance review highlights how agents in Illinois focus on providing fast, personalized SR-22 insurance claim service.
Cons
- Complex Policy Options: Farmers provide different car insurance types, which can confuse Illinois residents who hold SR-22 insurance as they try to find the right coverage for their needs.
- Limited Online Resources: Digital tools for Illinois SR-22 insurance management are less developed than market leaders.
#8 – Progressive: Cheapest Usage-Based Rates
Pros
- Snapshot Program Value: Progressive Snapshot usage-based tracking for Illinois SR-22 insurance can lower its cheap $44 monthly rates even more.
- 24/7 Customer Support: Progressive provides 24/7 customer service, ensuring Illinois SR-22 insurance holders can get help anytime. Learn more in our Progressive review.
- Roadside Assistance Add-On: Progressive offers an optional roadside assistance feature that can be added to SR-22 insurance policies.
Cons
- State-Specific Coverage Variability: Car insurance varies from state to state, creating differences for Illinois people with an SR-22.
- Strict Program Requirements: More stringent qualifying criteria for Illinois SR-22 insurance discount programs.
#9 – Liberty Mutual: Best Bundling Savings
Pros
- Multi-Policy Savings: Extensive bundling options can lower rates for Illinois SR-22 insurance holders.
- RightTrack Program: Learn how telematics can reduce Illinois SR-22 auto insurance rates in our Liberty Mutual auto insurance review.
- Comprehensive Discount Structure: Multiple discounts on Illinois SR-22 insurance through online payments and safety features.
Cons
- Premium Price Position: The monthly SR-22 insurance rate of $48 in Illinois ranks among the highest in the market.
- Complex Qualification Process: More demanding requirements for Illinois SR-22 insurance discount eligibility.
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#10 – The Hartford: Cheapest for Seniors
Pros
- Age-Specific Benefits: Cheap SR-22 insurance in Illinois tailored for senior drivers.
- AARP Member Advantages: Exclusive discounts for AARP members with SR-22 insurance requirements in Illinois. Learn how to qualify in our The Hartford Insurance review.
- Experience-Based Pricing: Unique rating system for Illinois SR-22 insurance considering long-term driving history.
Cons
- Highest Premium Rate: The most expensive SR-22 insurance option in Illinois at $49 monthly.
- Limited Availability: The Hartford restricts access to IL SR-22 insurance programs to retired drivers with AARP memberships.
Illinois SR-22 Insurance Rates by Provider
The best way to find cheap SR 22 insurance is to compare the rates of top insurance companies. We examine basic and full coverage policies to help you pick the right coverage for you and your wallet. See the monthly rates below:
Illinois SR-22 Insurance Monthly Rates by Provider & Coverage Level
Insurance Company Minimum Coverage Full Coverage
$29 $102
$35 $97
$41 $115
$26 $110
$48 $120
$38 $107
$44 $112
$32 $100
$49 $121
$27 $105
If you are looking for the cheapest rates, remember your protection. You want to make sure you have the appropriate coverage at an affordable price.
When you decide between minimum and full coverage, you must weigh the cost against the protection you need for how you drive.Jeff Root LICENSED INSURANCE AGENT
Shopping with companies offering the best auto insurance for high-risk drivers will help you find enough coverage at good prices while keeping safety in mind.
List of SR-22 Insurance Discounts Available in Illinois
If you’re on the hunt for budget-friendly SR-22 insurance in Illinois, make sure to check out all the discounts available. The table below shows different discounts from the cheapest Illinois insurance companies:
Insurance Discounts From the Top Providers for SR-22 in Illinois
Insurance Company Available Discounts
Safe Driver Discount, Multi-Policy Discount, Anti-Theft Device Discount, Early Signing Discount
Good Driver Discount, Low Mileage Discount, Multi-Vehicle Discount, Loyalty Discount
Good Student Discount, Safe Vehicle Discount, Bundling Discount, Signal App Discount
Multi-Policy Discount, Defensive Driving Discount, Seat Belt Use Discount, Vehicle Safety Discount
Paperless Billing Discount, Safe Driver Discount, Multi-Car Discount, Anti-Theft Device Discount
Smart Ride Discount, Accident-Free Discount, Bundling Discount, Anti-Theft Discount
Snapshot Program Discount, Multi-Car Discount, Continuous Insurance Discount, Homeowner Discount
Good Driving Discount, Accident-Free Discount, Safe Vehicle Discount, Multi-Policy Discount
Defensive Driver Discount, Vehicle Safety Discount, Multi-Policy Discount, Paid-In-Full Discount
Intelli Drive Program Discount, Continuous Insurance Discount, Safe Driver Discount, Bundling Discount
These discounts can help you get cheap SR-22 car insurance, regardless of your driving record. Installing additional safety devices or paying your annual auto insurance premium will earn you savings.
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Strategies for Affordable SR-22 Insurance in Illinois
SR-22 insurance isn’t actual auto insurance coverage. The Illinois DMV will require you to file SR-22 to reinstate your license after a DUI or reckless driving. Filing SR-22 automatically makes you a high-risk driver, raising your insurance rates.
Securing affordable SR-22 insurance in Illinois is possible with the right approach. Here are tips for getting lower rates:
- Compare Multiple Quotes: To find the best rates, look at options from low-cost providers like Geico, State Farm, and Progressive.
- Opt for Minimum Coverage: Meeting Illinois’s minimum SR-22 requirements helps keep premiums manageable.
- Use Discounts: Take advantage of discounts for good driving, combining multiple insurance policies, or pay-as-you-go plans.
- Maintain a Clean Record: Avoid traffic violations to keep your SR-22 requirement shorter and save money over time.
Illinois drivers can control their SR-22 insurance costs by using strategic comparisons, such as exploring how to find affordable auto insurance rates online or maintaining a clean driving record—all of which can help them get better rates over time.
Illinois Auto Insurance: Report Card, Accidents & Claims
The data on Illinois auto insurance highlights key trends and factors that affect drivers across the state. Rear-end collisions (30% of claims) are the most common type of auto insurance claim, followed by single-vehicle and intersection accidents, with average costs ranging from $1,900 to $5,200 per claim.
5 Most Common Auto Insurance Claims in Illinois
| Claim Type | Portion of Claims | Cost per Claim |
|---|---|---|
| Rear-End Collision | 30% | $3,800 |
| Single Vehicle Accident | 20% | $4,300 |
| Intersection Accident | 18% | $5,200 |
| Parked Car Damage | 17% | $1,900 |
| Weather-Related Damage | 15% | $2,700 |
Cities like Chicago and Aurora report the highest numbers of regional accidents and claims, with Chicago alone seeing 15,000 accidents and 14,500 claims annually.
Illinois Accidents & Claims per Year by City
| City | Accidents per Year | Claims per Year |
|---|---|---|
| Aurora | 2,500 | 2,400 |
| Chicago | 15,000 | 14,500 |
| Joliet | 1,500 | 1,450 |
| Naperville | 1,200 | 1,100 |
| Rockford | 2,000 | 1,900 |
Additionally, Illinois drivers can take advantage of various discounts to lower their premiums, such as the safe driver discount (10% savings) and multi-policy discount (12% savings).
Illinois Report Card: Auto Insurance Discounts
| Discount Name | Grade | Savings | Participating Providers |
|---|---|---|---|
| Safe Driver Discount | A | 10% | Geico, State Farm, Allstate |
| Multi-Policy Discount | A- | 12% | Progressive, Nationwide, Liberty Mutual |
| Good Student Discount | B+ | 8% | Farmers, USAA, American Family |
| Anti-Theft Device Discount | B | 6% | Travelers, MetLife, The Hartford |
| Defensive Driving Course Discount | B- | 5% | NJM Insurance, Plymouth Rock |
However, the state’s average auto insurance premiums are higher than the national average, and residents face challenges in affordability and rate stability. There are still opportunities to reduce costs through discounts and claims satisfaction ratings.
Illinois Report Card: Auto Insurance Premiums
| Category | Grade | Explanation |
|---|---|---|
| Claims Satisfaction | A | High satisfaction with claims process among residents. |
| Discount Availability | B+ | Multiple discount options available for various drivers. |
| Average Premium Cost | B | Premiums are higher than the national average. |
| Rate Stability | B- | Rates have seen moderate changes in recent years. |
| Affordability | C+ | Costs impact affordability for some residents. |
By understanding these trends and leveraging discounts, Illinois drivers can make more informed decisions to find the best coverage at the most competitive rates.
Read More: Best Auto Insurance Discounts for Good Drivers
Finding the Best and Cheapest SR-22 insurance in Illinois
Geico, Travelers, and Allstate have the cheapest SR-22 insurance in Illinois. Geico is a great choice if you want the best rates. Minimum coverage starts at just $26/month.
Allstate offers significant discounts, and Travelers offers flexible options to help high-risk drivers get the right coverage at the right price.
Taking the time to shop and see what discounts are available can help you create a policy that fits your unique needs and budget and gets you the protection you deserve. After all, what are the benefits of auto insurance if not to give you peace of mind and financial security on the road?
Find the cheapest SR-22 auto insurance quotes in any state by entering your ZIP code into our free comparison tool.
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Frequently Asked Questions
How long do I need SR-22 insurance in Illinois?
You typically need to maintain SR-22 auto insurance in Illinois for three years. However, this period can vary depending on the specifics of your case, such as the nature of the violation that led to the requirement.
How do I check the status of my SR-22 in Illinois?
You can check the status of your Illinois SR-22 insurance by contacting your insurance provider directly. They can provide updates on your filing. Additionally, you can also contact the Illinois DMV for confirmation.
What is the best SR-22 insurance?
The best SR-22 insurance typically comes from Geico for affordability, Allstate for discounts, and Progressive for flexible coverage options, so it’s wise to compare quotes to find the best insurance and the right fit for your needs.
Explore your auto insurance options by entering your ZIP code into our free comparison tool today.
How does SR-22 auto insurance work in Illinois?
An SR-22 is a document that proves you meet the minimum auto insurance requirements of the state of Illinois. When your insurance provider files an SR-22 with the state, you meet the financial responsibility requirements. This is typically required for high-risk drivers after certain violations.
What happens if my SR-22 lapses in Illinois?
If your SR-22 lapses, your insurance company must notify the state, which could result in your driver’s license being suspended. Therefore, it’s essential to maintain continuous coverage to avoid penalties.
How do I get an SR-22 removed in Illinois?
To have your SR-22 removed, you must first complete the required period of maintaining insurance without lapse. After that, your insurance provider can file a request to remove the SR-22 with the Illinois DMV.
Do I need an SR-22 to reinstate my license in Illinois?
Yes, if your license was suspended due to a violation requiring SR-22 insurance, you must obtain an SR-22 before you can reinstate your license. (Read More: Does a suspended license affect auto insurance rates?)
Can my license be suspended for an unpaid insurance claim in Illinois?
Yes, your license can be suspended if you fail to pay an insurance claim for which your policy is responsible. This can also occur if you are involved in an accident and do not meet your financial responsibilities.
How much is SR-22 insurance in Illinois?
The cost of SR-22 insurance in Illinois can vary by provider and individual circumstances, but on average, you can expect to pay between $25 and $50 for the filing fee plus the standard cost of your insurance policy, which may be higher due to the high-risk status.
To get a free SR-22 insurance quote, use our free comparison tool to see what auto insurance quotes look like in your area.
How do I know when my SR-22 is up in Illinois?
You will receive a notification from your insurance provider regarding the expiration of your SR-22. Additionally, you can verify the status with the Illinois Secretary of State’s office.
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Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Ty Stewart
Licensed Insurance Agent
Ty Stewart is the founder and CEO of SimpleLifeInsure.com. He started researching and studying about insurance when he got his first policy for his own family. He has been featured as an insurance expert speaker at agent conventions and in top publications. As an independent licensed insurance agent, he has helped clients nationwide to secure affordable coverage while making the process simpl...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.