Illinois SR22 Insurance Coverage Limits

In Illinois, the SR22 insurance requirements include the following minimum coverage limits and duration:

  1. Bodily Injury Liability Coverage:
    • Minimum coverage per person: $25,000
    • Minimum coverage per accident: $50,000
  2. Property Damage Liability Coverage:
    • Minimum coverage per accident: $20,000
  3. Uninsured Motorist Coverage:
    • Minimum coverage per person: $25,000
    • Minimum coverage per accident: $50,000
  4. Underinsured Motorist Coverage:
    • Minimum coverage per person: $25,000
    • Minimum coverage per accident: $50,000
  5. Duration Requirements:
    • For a first-time offense (DUI, driving without insurance, etc.): Continuous coverage for at least three years from the date of license reinstatement.
    • For subsequent offenses: Continuous coverage for at least five years from the date of license reinstatement.

It’s important to note that these are the minimum coverage limits required by the state. You can choose to purchase higher coverage limits if you prefer additional protection.

Additionally, if you let your SR22 policy lapse or cancel it during the required duration, the insurance company is obligated to notify the Illinois Secretary of State, which can result in the suspension of your driver’s license.

To ensure that you meet the specific SR22 insurance requirements in Illinois and obtain the appropriate coverage, it’s advisable to consult with an insurance professional or FR44 & SR22 Experts. They can guide you through the process and help you understand the necessary coverage and duration requirements.