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December 22, 2020
SR22 is often required by drivers whose license gets suspended due to a DUI/DWI, driving an uninsured vehicle, reckless driving, accident or due to multiple tickets in a short span of time. You will be asked to file an SR22 by the state DMV or court for the violations you commit. If you are asked to file an SR22, you can contact your auto insurance provider or you can search for top SR22 insurance providers in your area and ask them to file an SR22 insurance on your behalf. The insurance company will notify the DMV within 24 hours and you will receive a confirmation mail within 5 working days.
The cost for an SR22 depend on factors like gender, age, marital status, zip code, vehicle you own, driving record, type of violation and the minimum auto insurance requirements of the state. However on an average, a high risk driver has to pay $300- $800 (which changes from situation to situation). You will be asked to pay a one time fee of $25-$50 as a filing fee. The SR22 amount will be automatically added to your auto insurance premium
There are three types of SR22 insurance available in Illinois:
Operators policy or Non owner policy –This is an SR22 insurance policy issued to drivers who don’t own a car. This provides a secondary liability to drivers who drive their friends or neighbors car.
Owners Policy –This is a standard auto insurance policy along with an SR22 insurance attached to it. Both the vehicle and the driver are insured with this policy. The insured driver will be only permitted to use the vehicle which is insured under this policy.
Owners-operator policy –This is a standard auto insurance policy which permits the driver to drive his own vehicle as well as a vehicle not owned by him. All the vehicles used by the driver will be listed on the policy.
Best SR22 insurance providers in Illinois are Progressive, Allstate, Esurance, Geico, Liberty Mutual, Farmers, Metromile, Root, Clearcover and Elephant.
December 22, 2020
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