SR-22 Insurance in Chicago, IL
If you’ve been told you need an SR-22, you may have questions about what it means and how to get started. At Universal Insurance Services, our team is here to guide drivers through the SR-22 process.
What Is SR-22 Insurance?
An SR-22 is not actually an insurance policy, but rather a certificate your insurance company files with the state to show you carry at least the required minimum auto liability coverage. You may be required to have an SR-22 filing if you’ve had a serious driving violations. This certificate can show that you are meeting your legal responsibilities as a driver. 
When Is This Required?
You may be required to file an SR-22 if you:
- Have been convicted of a DUI or DWI
- Were caught driving without valid insurance
- Accumulated excessive points on your driving record
- Were involved in an at-fault accident without insurance
- Had your license suspended or revoked for other serious violations
Applicable drivers may be required to maintain an SR-22 filing for a set period, which can often be several years. Failing to keep your SR-22 current may result in license suspension or other penalties.
How Can SR-22 Requirements Affect My Insurance Costs?
Because an SR-22 is generally related to serious violations, insurers may consider you a higher-risk driver, often resulting in increased premiums. Costs may depend on numerous factors, such as:
- Your driving record and claims history
- The type and amount of coverage you choose
- Each insurer’s underwriting and rating practices
Over time, maintaining continuous coverage and driving safely may help you manage or reduce these costs.
Get Started Today
Contact Universal Insurance Services to discuss your needs and get a free personalized quote.