Illinois DUI SR-22 Insurance After Conviction
Illinois requires 25/50/20 liability coverage and is an at-fault state.
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Illinois at a Glance
25/50/20
Minimum liability limits, in thousands of dollars (per person / per accident / property)
At-fault
The at-fault driver's insurance pays for the damage they cause
Required
Uninsured motorist coverage must be on every policy
$70
State license reinstatement fee
Source: state DMV, insurance department and statute records, verified July 2026
Minimum Coverage Requirements in Illinois
Illinois operates under a fault-based liability system, meaning the at-fault driver's insurance pays for damages. After a DUI conviction, the Illinois Secretary of State requires continuous SR-22 filing to verify you maintain minimum liability coverage. The SR-22 filing period begins on the date your license is reinstated, not the conviction date, which means any delay in reinstatement extends your total time without driving privileges.
Bodily Injury Liability
Property Damage Liability
SR-22 Certificate Filing
Uninsured Motorist Coverage
What Drivers Pay in Illinois
$277–$337/mo
Typical monthly rate in Illinois, drivers with an SR-22 after a DUI
Rate data: ValuePenguin and NerdWallet, 2026
Find an Insurer That Will File After a DUI
Get SR-22 Coverage After a DUIIf your license is suspended
Restricted Driving Permit (RDP); Monitoring Device Driving Permit (MDDP) for first-offense DUI
application fee $8.
A coverage lapse is reported
The state can act when your insurance lapses.
Source: state DMV, insurance department and statute records, verified July 2026
Frequently Asked Questions
How long do I need SR-22 filing after a DUI in Illinois?
Illinois requires 3 years of continuous SR-22 filing for a first-offense DUI conviction, and 5 years for aggravated DUI involving high BAC, injury, or child endangerment. The filing period begins on the date the Illinois Secretary of State reinstates your license, not your conviction date, so any delay in getting coverage and filing SR-22 extends your total time without driving privileges.
Which insurance companies write SR-22 policies after DUI in Illinois?
Most mainstream carriers like State Farm, Geico, Allstate, and Progressive will file SR-22 for existing customers but typically non-renew at the end of the policy term. New DUI-SR-22 policies generally require non-standard carriers including Bristol West, Dairyland, Direct Auto, The General, and GAINSCO, all of which maintain active SR-22 filing programs with the Illinois Secretary of State.
When does the SR-22 filing period start in Illinois?
The 3-year filing period begins on the date the Illinois Secretary of State reinstates your license, not your conviction date or arrest date. If you wait 6 months after conviction to obtain SR-22 coverage and apply for reinstatement, you have added 6 months to your total time without full driving privileges. The filing period clock only starts when the Secretary of State processes your SR-22 and issues reinstatement.
Coverage Types
SR-22 Insurance
Electronic certificate filed by your insurer with the Illinois Secretary of State proving you maintain continuous liability coverage. Required for license reinstatement after DUI.
Non-Owner SR-22
Liability-only policy for drivers who do not own a vehicle but need SR-22 filing to reinstate their license. Covers you when driving borrowed or rental vehicles.
Liability Insurance
Covers injury and property damage you cause to others. Illinois requires 25/50/25 minimums, but most DUI carriers recommend 50/100/50 because civil lawsuit exposure increases after conviction.
Uninsured Motorist Coverage
Pays your medical bills and repairs when hit by a driver with no insurance. Illinois law requires carriers to offer it at liability limits, and you must reject it in writing.