Violation Insurance
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Illinois Car Insurance After a DUI or Suspension

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

Source: state DMV, insurance department and statute records, verified July 2026

Minimum Coverage Requirements in Illinois

Most Illinois drivers don't realize their current insurer will non-renew their policy after a DUI or major violation — not cancel immediately, but decline to renew at the end of the term. This gives you 30–60 days to find replacement coverage. During that window, Illinois typically requires you to file SR-22 proof of insurance with the Secretary of State and maintain it for 3 years. You'll need to switch to a non-standard carrier that accepts high-risk drivers and offers SR-22 filing. Missing the filing deadline or letting coverage lapse during the required period restarts the clock and can extend your suspension.

SR-22 Filing

SR-22 is not a type of insurance — it's a certificate your insurer files with the Illinois Secretary of State proving you carry the required minimum liability coverage. Not all carriers offer SR-22, so you'll need to shop among non-standard insurers who specialize in high-risk drivers.

Non-Standard Auto Insurance

Non-standard auto insurance is coverage sold by carriers that specialize in high-risk drivers — those with DUIs, violations, lapses, or suspensions on their record. These policies cost significantly more than standard coverage because the carrier is accepting higher risk.

Liability Insurance

Liability coverage pays for damage you cause to others in an accident. This is the foundation of any SR-22 filing — you cannot file without maintaining at least these limits continuously for the required period.

High-Risk Auto Insurance

High-risk auto insurance is broader than SR-22 — it's the full policy you'll carry after a violation. Some drivers choose to carry only state minimums to reduce cost, but if you finance or lease a vehicle, your lender will require comprehensive and collision coverage as well. High-risk policies often come with higher deductibles and stricter terms.

Collision Coverage

Collision coverage pays for damage to your own vehicle in an accident, regardless of fault. If you own your car outright, this is optional after a violation — but dropping it to save money means you'll pay out of pocket for repairs if you're in another accident. If you're financing, your lender requires it.

What Drivers Pay in Illinois

$229–$234/mo

Typical monthly rate in Illinois, drivers after a speeding ticket

Rate data: ValuePenguin and CarInsurance.com, 2026

What Affects Your Rate

  • Violation type: DUI convictions carry the highest rate increases, followed by reckless driving and suspended license violations
  • Time since violation: rates begin to decrease after 3 years if no additional incidents occur
  • Prior driving record: a clean record before the violation results in lower increases than multiple prior violations
  • Age and experience: younger drivers with violations face steeper increases than drivers over 25
  • Location: urban areas like Chicago, Aurora, and Rockford typically see higher high-risk rates due to accident frequency and claim costs
  • Credit-based insurance score: Illinois allows insurers to use credit as a rating factor, which can compound rate increases for violation drivers
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Coverage Types

High-Risk Auto Insurance

Full coverage policies designed for drivers with DUIs, suspensions, or serious violations. Includes SR-22 filing and higher liability limits if needed.

Non-Standard Auto Insurance

Coverage from carriers that specialize in drivers with violations, lapses, or challenging driving records. More expensive than standard policies but accessible when traditional insurers decline.

SR-22 Insurance

Not a separate policy — SR-22 is a filing your insurer submits to prove you carry required liability coverage. Available only through carriers that offer SR-22 services.

Liability Insurance

Covers damage you cause to others. Required by Illinois and the foundation of any SR-22 filing — you must maintain at least state minimums continuously.

Find Your City in Illinois

Chicago

urban

Aurora

suburban

Joliet

suburban

Naperville

suburban

Rockford

urban

Elgin

suburban

Springfield

suburban

Peoria

urban

Waukegan

suburban

Champaign

urban

Cicero

urban

Evanston

suburban