Best Illinois SR-22 Insurance in 2024 (Check Out the Top 10 Companies)

The top picks for the best Illinois SR-22 insurance are Geico, Allstate, and Nationwide, with Geico offering the best overall rate at just $18 per month for flexible coverage.

Geico, Allstate, and Nationwide each offer standout benefits for SR-22 insurance in Illinois, with Geico known for affordable premiums, Allstate for customizable protection, and Nationwide for budget-friendly rates.

Company	Rank	Bundling Discount	A.M. Best	Best For	Jump to Pros/Cons
	#1	25%	A	Flexible Coverage	Liberty Mutual
	#2	25%	A+	Comprehensive Options	Allstate
	#3	20%	A+	Affordable Rates	Nationwide
	#4	10%	A+	Broad Discounts	Progressive
	#5	20%	A	Reliable Service	Farmers
	#6	10%	A++	Military Focused	USAA
	#7	13%	A++	Customizable Policies	Travelers
	#8	25%	A++	Competitive Pricing	Geico
	#9	17%	B	Nationwide Coverage	State Farm
	#10	25%	A	Loyalty Rewards	American Family

Comprehensive insurance coverage protects against non-collision damages, such as theft, vandalism, and natural disasters. Together, these providers make it easier for high-risk drivers to find the right coverage at the best possible price.

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What You Should Know

• Geico stands out as the top pick for affordable SR-22 insurance at just $18 per month
• The best Illinois SR-22 insurance offers flexible coverage options tailored to individual needs
• Regularly comparing rates can help you secure the best Illinois SR-22 insurance

#1 – Liberty Mutual: Top Overall Pick

Pros

• Extensive Coverage Options: Discover our Liberty Mutual review for details on how the company provides comprehensive SR-22 coverage, making it one of the best Illinois SR-22 insurance providers for high-risk drivers.
• Discount Opportunities: The company provides various discounts, including multi-policy and safe driver discounts, helping reduce costs for the best Illinois SR-22 insurance.
• User-Friendly Claims Process: Liberty Mutual features an efficient claims handling process, ensuring quick resolutions for SR-22 insurance claims.

Cons

• **Higher Premiums: While Liberty Mutual offers quality coverage, some drivers may find their premiums higher compared to other options for the best Illinois SR-22 insurance.
• **Mixed Customer Service Reviews: Customer service experiences can vary, leading to inconsistent satisfaction among policyholders seeking the best Illinois SR-22 insurance.

#2 – Allstate: Best for Comprehensive Options

Pros

• Tailored Coverage: Allstate offers highly customizable SR-22 insurance options, allowing Illinois drivers to build policies that fit their exact needs, including additional protection like roadside assistance.
• Extensive Agent Network: With a large number of local agents throughout Illinois, Allstate provides hands-on support for SR-22 insurance, ensuring personal guidance through the entire process.
• Safe Driving Discounts: With our Allstate review, you'll learn how the company is known for fast and easy SR-22 filings for high-risk drivers in Illinois.

Cons

• Higher Premiums: Allstate’s comprehensive options come with higher costs, making it one of the pricier choices for SR-22 insurance in Illinois.
• Fewer Specific Discounts: While Allstate offers many discounts, specific savings for SR-22 policyholders are more limited compared to other providers.

#3 – Nationwide: Best for Affordable Rates

Pros

• Budget-Friendly SR-22 Coverage: In our Nationwide review, the company is known for offering competitive rates, helping Illinois drivers with SR-22 requirements keep their insurance premiums manageable.
• Accident Forgiveness: For drivers who may have minor infractions, Nationwide’s accident forgiveness prevents premiums from skyrocketing after a first-time accident.
• Multi-Policy Discounts: Bundling home, life, and auto insurance can lead to significant savings, making SR-22 coverage more affordable.

Cons

• Availability Restrictions: SR-22 insurance may not be offered in all regions of Illinois, limiting access to Nationwide’s competitive rates for some drivers.
• Fewer Local Agents: Nationwide’s presence in Illinois isn’t as expansive as competitors like State Farm, which could mean fewer in-person support options for SR-22 filings.

#4 – Progressive: Best for Broad Discounts

Pros

• Extensive Discount Options: Progressive offers one of the widest ranges of discounts for SR-22 insurance, including savings for bundling, good driving habits, and automatic payments.
• User-Friendly Mobile App: Based on our Progressive review, the company allows high-risk drivers to easily manage their SR-22 insurance through a top-rated mobile app, providing seamless access to their policy, claim filing, and tracking.
• Flexible Payment Plans: Progressive offers flexible payment options that can help spread out SR-22 insurance costs, making it easier for drivers to manage premiums.

Cons

• Varied Rates Based on Risk: While discounts are plentiful, SR-22 insurance premiums can fluctuate significantly based on driving history, making it less predictable for high-risk drivers.
• Inconsistent Customer Service: Some customers have reported mixed experiences with customer service, particularly during the claims process, which could affect SR-22 policyholders needing immediate help.

#5 – Farmers: Best for Reliable Service

Pros

• Exceptional Customer Support: Farmers is known for its excellent customer service, offering responsive and knowledgeable agents who are readily available to assist with SR-22 filings and policy updates.
• Comprehensive Coverage: Farmers offers a wide range of coverage options for SR-22 insurance, including optional add-ons like rental car coverage and towing, providing extra protection for Illinois drivers.
• Quick Claims Handling: View our Farmers review to learn more about how the company ensures a fast claims process for drivers with SR-22 insurance, allowing them to resolve incidents quickly and efficiently.

Cons

• Higher Premiums: Farmers is generally more expensive than some competitors, which could make SR-22 insurance unaffordable for drivers on a tight budget.
• Fewer SR-22 Discounts: Unlike other insurers, Farmers offers fewer discounts specifically for SR-22 policyholders, limiting potential savings.

#6 – USAA: Best for Military Focused

Pros

• Specialized for Military Members: USAA is tailored to the unique needs of military personnel and their families, providing exclusive benefits and affordable SR-22 insurance coverage for this group.
• Top-Rated Customer Service: Explore our USAA review to see how the company consistently ranks high for customer satisfaction, providing outstanding support throughout the SR-22 filing and maintenance process.
• Competitive Pricing for Military: USAA offers some of the lowest SR-22 insurance rates for eligible military drivers in Illinois, making it a great choice for service members.

Cons

• Eligibility Limitations: SR-22 insurance from USAA is only available to military members, veterans, and their families, excluding civilians from accessing these benefits.
• Limited SR-22 Coverage Options: USAA’s SR-22 offerings are fewer compared to other major providers, which may limit flexibility for some drivers.

#7 – Travelers: Best for Customizable Policies

Pros

• Highly Flexible Policies: Travelers offers a high degree of customization for SR-22 insurance, allowing Illinois drivers to choose coverage that best fits their personal needs and driving habits.
• Accident Forgiveness: This policy feature prevents premium increases after a first accident, making it ideal for drivers trying to maintain affordable SR-22 rates.
• Cost-Saving Discounts: See our Travelers review for insights on how the company offers significant multi-policy discounts for bundling SR-22 insurance with home or renters insurance, helping to lower overall costs.

Cons

• Limited SR-22 Availability: Not all Illinois locations provide SR-22 coverage, which may limit access to Travelers’ customizable plans.
• Higher Premiums for Customization: While the flexibility is valuable, the cost of SR-22 insurance through Travelers can be higher due to the extra features and custom options.

#8 – Geico: Best for Competitive Pricing

Pros

• Affordable Rates: Geico consistently offers some of the lowest premiums for SR-22 insurance, making it an ideal choice for drivers seeking cost-effective coverage.
• Efficient SR-22 Process: Geico provides a user-friendly online platform for quick SR-22 filings, allowing drivers to meet Illinois requirements swiftly. These tips we learned after filing a car insurance claim can also enhance your filing experience.
• Diverse Discount Programs: A variety of discounts, including those for good driving and vehicle safety features, can further reduce SR-22 insurance costs.

Cons

• Limited Agent Support: As an online-first provider, Geico lacks the in-person agent assistance that some drivers may prefer when dealing with SR-22 requirements.
• High Risk Premium Increases: Drivers with multiple violations or high-risk profiles may face significant premium hikes with SR-22 coverage.

#9 – State Farm: Best for Nationwide Coverage

Pros

• Widespread Agent Support: With an extensive network of agents across Illinois, State Farm offers strong in-person assistance for drivers handling SR-22 insurance requirements.
• Consistent SR-22 Rates: According to our State Farm review, the company is known for providing steady and dependable rates for SR-22 insurance in Illinois, allowing drivers to manage their budgets more effectively.
• Comprehensive Coverage Options: State Farm’s range of SR-22 coverage options ensures drivers can choose the best protection for their specific needs.

Cons

• Higher Premiums: State Farm’s SR-22 insurance may be more expensive for drivers with violations or higher-risk profiles.
• Few Discount Programs: Discounts specifically for SR-22 insurance are limited, reducing opportunities for drivers to save on their premiums.

#10 – American Family: Best for Loyalty Rewards

Pros

• Loyalty Discount Benefits: Delve into our American Family review to discover how the company provides loyalty rewards and discounts for long-term customers, helping to reduce SR-22 premiums over time.
• Personalized Agent Support: Drivers receive dedicated, hands-on support from local agents who can assist with SR-22 filings and policy management.
• Safe Driving Incentives: Drivers with a clean record can benefit from additional savings, lowering the cost of SR-22 insurance.

Cons

• High Premiums for Violations: Drivers with past violations or risky driving records may see higher rates for SR-22 insurance.
• Limited Customization Options: SR-22 insurance policies offer fewer custom options compared to competitors, which may restrict flexibility for some drivers.

Understanding SR-22 Insurance in Illinois

Finding the best Illinois SR-22 insurance is crucial for drivers needing to meet state requirements. This type of insurance provides proof of financial responsibility to reinstate your license.

• State Requirements: Illinois mandates SR-22 insurance for certain drivers, often following a suspension or DUI.
• Proof of Coverage: SR-22 is a form filed by your insurer, ensuring you meet minimum liability coverage.
• Higher Premiums: SR-22 policies often result in higher premiums, so comparing rates is essential.

Understanding the basics of SR-22 insurance is crucial when selecting the best Illinois SR-22 insurance provider. By grasping the requirements and implications of having an SR-22, you can make informed decisions tailored to your unique situation.

Additionally, consider buying insurance directly from providers, as this can often lead to more competitive rates and better customer service. Ensuring you meet all state requirements is essential to avoid further penalties and complications in the future.

Finding the Best Illinois SR-22 Insurance Providers

Finding the best Illinois SR-22 insurance providers can be a challenge, but focusing on specific criteria will make it easier. It's important to choose companies that offer competitive rates for high-risk drivers.

• Compare Providers: Look for insurers specializing in SR-22 policies to find the best Illinois SR-22 insurance rates.
• Look for Discounts: Some providers offer discounts even with SR-22 insurance, helping you save on premiums.
• Check Reviews: Customer reviews can help ensure you're picking a reliable insurer with expertise in SR-22 requirements.

Selecting the best Illinois SR-22 insurance providers requires careful comparison of coverage options. By reviewing premium rates and available discounts, you can find affordable solutions.

Insurance Company	Minimum Coverage	Full Coverage
	$67	$176
	$43	$114
	$45	$117
	$18	$47
	$29	$76
	$35	$93
	$34	$89
	$25	$64
	$33	$87
	$24	$62

Evaluating customer feedback also ensures reliable service. This approach helps you secure an SR-22 policy that meets your needs while staying within budget.

Tips for Lowering SR-22 Insurance Costs in Illinois

Even with SR-22 insurance, there are ways to lower your premiums. Implement these strategies to find the best Illinois SR-22 insurance without breaking the bank.

Maintaining a clean driving record post-SR-22 is essential, as it can lead to lower insurance rates over time. Additionally, bundling your SR-22 insurance with other policies, such as home or renters insurance, can help you save money through multi-policy discounts.

To broaden your understanding, explore our comprehensive resource on insurance coverage titled "Best and Cheapest Car Insurance in Illinois."

It's also crucial to regularly compare quotes from different insurers, as this practice can help you find more affordable SR-22 coverage. By implementing these strategies, you can effectively manage your SR-22 insurance costs.

Insurance Company	Available Discount
	Multi-policy, loyalty, early-bird, safe driver, good student, paperless billing, generational, young volunteer, anti-theft device, SR-22
	Multi-policy, multi-car, safe driver, good student, homeowner, accident forgiveness, mature driver, ePolicy, SR-22
	Multi-policy, good student, multi-car, defensive driving, military, anti-theft system, federal employee, accident-free, paperless billing, SR-22
	Multi-policy, multi-car, safe driver, paperless billing, anti-theft device, homeowner, military, early shopper, hybrid/electric vehicle, accident-free, SR-22
	Multi-policy, smart ride, anti-theft, defensive driving, accident-free, good student, paperless billing, automatic payments, SR-22
	Multi-policy, multi-car, safe driver, continuous insurance, online quote, good student, paperless billing, homeowner, SR-22
	Multi-policy, good driver, good student, accident-free, defensive driving, safe vehicle, homeownership, multi-car, SR-22
	Multi-policy, homeownership, safe driver, new car, good student, continuous insurance, hybrid/electric vehicle, paperless billing, SR-22
	Multi-policy, military, safe driver, good student, defensive driving, multi-vehicle, loyalty, SR-22 (only for military families)
	Multi-policy, homeownership, safe driver, new car, good student, continuous insurance, hybrid/electric vehicle

Over time, your safe driving habits and proactive approach to policy management can lead to significant savings. Ultimately, staying informed and vigilant is key to securing the best rates available.

By applying these tips, you can significantly reduce the cost of your SR-22 insurance and ease the financial burden it often brings. It’s crucial to compare providers frequently to ensure you’re consistently getting the best Illinois SR-22 insurance available in the market.

This ongoing evaluation allows you to identify any changes in rates or coverage that can benefit you. Ultimately, staying proactive in your search will help you find a policy that offers both affordability and adequate protection.

Factors That Affect Illinois SR-22 Insurance Rates

Understanding the factors that influence Illinois SR-22 insurance rates is crucial for securing the best Illinois SR-22 insurance coverage. These factors can vary significantly between providers and can impact your overall premium costs.

• Driving History: Your driving record plays a major role in determining your insurance rates, as a clean record generally results in lower premiums.
• Type of Vehicle: The make and model of your vehicle can affect your rates; high-performance or luxury cars often lead to higher premiums due to increased risk.
• Coverage Levels: The amount of coverage you choose can also impact your rates; opting for higher limits or additional coverage can raise your premium costs.

Considering these factors can help you make informed decisions when shopping for the best Illinois SR-22 insurance. By understanding how your driving history, vehicle type, and coverage levels influence your rates, you can tailor your choices to find the most affordable options.

Additionally, being aware of these elements allows you to negotiate effectively with insurance providers. Ultimately, addressing these factors will position you for lower rates and more favorable insurance options that meet your specific needs.

Illinois SR-22 Insurance Rates Calculation

SR-22 insurance is for high-risk or non-standard driver. To account for your higher risk, the insurer charges you high premiums. However, the rates for SR-22 insurance are not the same across all insurers in Illinois. You can shop around for the best policies before you sign up for one. Remember that many factors impact the cost of this insurance, so what you can find may not match what your spouse or neighbor gets. Some factors that affect the cost of SR-22 coverage are your age, gender, marital status, location, the reason for the SR-22 requirement, the type of vehicle you drive, and so on.

One of the most common reasons drivers need SR-22 insurance is because of a DUI conviction. On average, drivers with one DUI conviction in Illinois pay $1,570 per year for car insurance. That’s 55 % more than car insurance for a driver with a clean driving record. However, the insurance cost you pay differs significantly based on the company you buy car insurance from. In the table below, you can find average rates for Illinois drivers who have one DUI conviction from some of the largest companies in the state.

Company	Car insurance rate
Safeco	$894
Geico	$1,104
Erie	$1,137
State Farm	$1,210
Auto-Owners	$1,229
USAA*	$1,258
Country Financial	$1,318
Travelers	$1,324
Farmers	$1,470
Progressive	$1,683
Nationwide	$1,719
Cincinnati Insurance Company	$2,048
AAA	$2,088
American Family	$2,094
Allstate	$2,403

*USAA is only available to active and former military members and their families.

These rates are based on a 35-year-old single adult with one driver and one vehicle on a policy. The car used was a 2015 Toyota Highlander LEs. Full coverage was used with 100/300/50 limits and a $500 collision and comprehensive deductible. The driver had 1 DUI on their record. The rates displayed should only be used for comparative purposes as individual rates for high-risk insurance in Illinois will differ. Rate data is provided by Quadrant Information Services.

Stop overpaying for your insurance by entering your ZIP code below to find the lowest rates in your area.

How car insurance rates are calculated

When searching and comparing car insurance quotes, it can be frustrating trying to understand how your insurance rates are calculated. While there is no exact formula that each car insurance company uses when providing you a quote, there are many factors that do contribute to the price you pay for your insurance. Among the factors that car insurers consider are:

• Your driving record
• How much you drive
• Location
• Age
• Marital status
• Gender
• Your car’s make, model and year
• Your credit history (in some states)
• Amount of car insurance coverage (required coverage and optional add-ons, such as collision and comprehensive)

One of the biggest misunderstanding when it comes to insurance rates is that the history of drivers in your area also contributes to how much you pay. For instance, even if you go two years without an accident, if there were a lot of accidents near you recently, your rates might still go up. Why is that the case?

Insurance companies disperse risk across all policyholders so that when it comes time to pay a claim, they have enough money to pay out. But imagine a scenario where they only raised rates for drivers with an accident. For drivers who had an expensive claim, the drivers simply wouldn't be able to afford the raised rates that are based off how much their insurer had to pay after an accident. So instead, insurance companies slightly increase rates across the board to offset the costs, though of course the at-fault driver may see a larger increase.

How much car insurance do I need?

You certainly don’t want to be underinsured or uninsured while staring at a claim after a car accident or other damage to your car. But at the same time, there’s no sense in paying for more coverage than you need, right? So it begs the question: How much car insurance coverage do you actually need?

The answer, as frustrating as it may be, is it depends. For example, someone insuring a brand-new, leased car is likely required to purchase collision and comprehensive coverage, but for someone driving an older car that doesn’t have much value, it may not make sense to purchase optional coverage. Plus, states have different car insurance requirements. There are 12 no-fault states that require its drivers to purchase personal injury protection (PIP).

So when it comes to determining what car insurance coverage and limits you should purchase, it’s important to do your research. Talk with an insurance agent or your insurance company to determine what makes the most sense for your situation.

How to save money on your car insurance

At the end of the day, we’d all like to have the best coverage at a cheap, affordable price. While you never want to sacrifice quality to save a couple of dollars, there are some different ways you can lower your car insurance premium.

Here are six ways you may be able to lower your car insurance rates:

• Bundle your car insurance with other policies
• Consider raising your deductibles
• Pay your car insurance policy in full
• Try usage-based car insurance
• Monitor price changes to your policy
• Shop for better insurance rates

How we rank car insurance companies

Wondering how Clearsurance determines scores for insurance companies? Our algorithm analyzes a range of inputs from our community of unbiased insurance customers, including:

• Cost
• Customer Service
• Overall Experience
• Claim service
• Purchasing experience
• Likelihood to recommend

Guide to understanding car insurance

Whether you’re buying your insurance direct or going through an agent, understanding the different car insurance coverage options is a must. Do you know what is covered by comprehensive coverage? Are you familiar with uninsured motorist coverage? Do you know how a deductible works?

We want to make sure you’re equipped with a proper knowledge of car insurance, so check out our practical guide to understanding car insurance. Looking for more educational information about car insurance? Check out our blog for more information and topics related to car insurance.