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What Is Low-Cost SR-22 Insurance in Chicago and Who Needs it?

Not all drivers need low-cost SR-22 insurance in Chicago. How will you know if you do need it? It will be court-ordered or state-ordered. Either a judge will inform you of the requirement at a hearing or you’ll get a letter from the Department of Motor Vehicles letting you know you must obtain one.

What Is an SR-22 certificate?

Low-cost SR-22 insurance in Chicago isn’t technically insurance. It is, however, purchased through your insurance provider. It’s a document that is filed with the state to prove you are carrying the minimum car insurance as required by the state of Illinois. In most cases, the agency providing your policy can electronically file the document once you purchase it.

Who Needs an SR-22?

Certain violations can end up requiring you to file an SR-22. You may get notified of the requirement if you have been caught driving without any insurance coverage or if you were caught driving without a valid license. There are other reasons you may need this document, including:

  • Being convicted of a DUI or DWI
  • Too many at-fault accidents
  • Several offenses in a short time (like three or more tickets for speeding within six months)
  • Failing to pay court-ordered child support
  • Having a hardship license when your license has been revoked or suspended

Your insurance company can add low-cost SR-22 insurance to your existing policy and then file it with the state of Illinois on your behalf.

Do you need low-cost SR-22 insurance in Chicago? Visit the Great Northern Insurance Agency website to speak with an agent who can help you.

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