Updated March 2026
State Requirements
Illinois requires minimum liability coverage of 25/50/20: $25,000 bodily injury per person, $50,000 per accident, and $20,000 property damage. Drivers convicted of DUI, caught driving without insurance, or who have license suspensions due to excessive violations must file SR-22 证明 of financial responsibility with the Illinois Secretary of State. Uninsured motorist coverage is also required at the same 25/50 limits unless rejected in writing. For high-risk drivers, meeting only the minimums often leaves significant financial exposure and does not address the elevated premiums charged by non-standard carriers.
Cost Overview
High-risk drivers in Illinois pay significantly more than standard profiles due to DUI convictions, SR-22 requirements, at-fault accidents, and coverage lapses. Average annual premiums for drivers requiring SR-22 range from $2,200 to $5,000, with DUI offenders and those with multiple violations at the higher end. Rates vary widely by violation type, location, age, vehicle, and whether the carrier is standard or non-standard.
What Affects Your Rate
- Type of violation: DUI increases premiums 80–150%, while minor speeding tickets add 20–40%
- SR-22 filing requirement: adds $15–$50 to file but signals high-risk status, increasing base premiums significantly
- Location: Cook County and Chicago area see higher rates due to accident frequency, theft, and uninsured driver rates
- Carrier type: non-standard insurers charge more but are often the only option for DUI or suspended license profiles
- Age and experience: drivers under 25 with violations pay the highest premiums; rates decline after age 25 with a clean record
- Time since violation: premiums decrease 10–20% per year as violations age off your record, typically after 3–5 years
Get non-owner SR-22 coverage without owning a vehicle
Compare carriers that offer non-owner policies with SR-22 filing — required for reinstatement in most states.
Get Your Free QuoteCoverage Types
Liability Insurance
Covers injury and property damage you cause to others. Illinois minimums are 25/50/20, but high-risk drivers should consider 50/100/50 or higher to protect assets if sued after an at-fault accident.
SR-22 Filing
Certificate proving you carry minimum liability coverage, filed by your insurer with the Illinois Secretary of State. Required for DUI, uninsured driving, and license suspensions.
Uninsured Motorist Coverage
Pays for your injuries and damage if hit by a driver with no insurance or insufficient limits. Illinois requires 25/50 UM unless rejected in writing.
Collision Coverage
Pays for damage to your vehicle after an at-fault accident or collision with an object. Required by lenders if you finance or lease your car.
Comprehensive Coverage
Covers theft, vandalism, hail, fire, and animal strikes. Required by lenders and useful in Chicago and suburbs where vehicle theft rates are elevated.
Non-Standard Auto Insurance
Policies from carriers specializing in high-risk drivers: DUI convictions, SR-22 requirements, suspended licenses, and multiple violations. Higher premiums but accept profiles standard carriers reject.
