Suspended License Insurance — Illinois
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 is a tort state with mandatory liability insurance. The Illinois Secretary of State requires proof of insurance for license reinstatement regardless of suspension cause, but SR-22 filing is only required for specific violations. Administrative suspensions for unpaid tickets, child support, or failure to appear typically do not trigger SR-22 requirements — only moving violations, DUI, reckless driving, or driving uninsured require the filing.
Liability Insurance
SR-22 Insurance
Non-Owner SR-22
Uninsured Motorist Coverage
What Drivers Pay in Illinois
$227–$337/mo
Typical monthly rate in Illinois, high-risk drivers after a DUI
Rate data: ValuePenguin and Insurify, 2026
Line Up Illinois Coverage Before Reinstatement
Get My Illinois Suspended License Insurance QuoteIf 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
Do I need insurance in Illinois while my license is suspended?
Yes, if your suspension is for a moving violation, DUI, or driving uninsured — maintaining continuous coverage is required to qualify for reinstatement. If your suspension is administrative (unpaid tickets, child support, failure to appear), you are not legally required to maintain insurance during the suspension, but you will need to show proof of coverage when you apply for reinstatement. Gap in coverage during suspension for a violation can extend your SR-22 filing period.
Will my SR-22 requirement transfer if I move out of Illinois?
No, if you move to another state, you must notify the Illinois Secretary of State and obtain a new SR-22 filing in your new state if that state requires it. The 3-year clock does not reset, but you need continuous coverage across both states. Not all states require SR-22 for the same violations — some states use different forms like FR-44, and others may not require a filing at all for out-of-state transfers.
Coverage Types
SR-22 Insurance
Certificate of financial responsibility filed by your insurer with the Illinois Secretary of State. Required for DUI, reckless driving, multiple violations, and driving uninsured.
Non-Owner SR-22
Liability-only policy for drivers without a registered vehicle who need SR-22 to reinstate their license. Covers you when driving borrowed or rental cars.
Liability Insurance
Covers bodily injury and property damage you cause to others. Required at 25/50/20 minimums for all Illinois drivers, including those reinstating from suspension.
Uninsured Motorist Coverage
Protects you when hit by a driver with no insurance or insufficient coverage. Illinois requires insurers to offer it at limits matching your liability coverage.