Get Your License Back Today
Get your license reinstated today. Electronic filing with the Illinois Secretary of State in minutes, not days.
Understanding SR-22 Filing
What is an SR-22?
An SR-22 is NOT insurance—it's a "Certificate of Financial Responsibility" that your insurance company files with the Illinois Secretary of State. It proves you carry the required minimum liability coverage.
Think of it as a guarantee to the state that you're insured. The SR-22 form is attached to an actual auto insurance policy—you can't buy it separately.
The Reinstatement Roadmap
- Buy Policy (Owner or Non-Owner)
- We File Electronically (Immediate)
- You Pay State Fee ($70-$500)
- License Validated by State
- Keep for 3 Years (Mandatory)
- No Lapses Allowed (Or Clock Resets)
Choose Your SR-22 Type
Non-Owner SR-22
The "Secret Weapon" for drivers without a car. If you don't own a vehicle, this is the cheapest way to satisfy the state requirement. It covers you when driving borrowed or rented cars—often 50% less than standard policies.
Standard Auto SR-22
Replaces your current insurance with an SR-22 endorsement. Required if you have a vehicle registered in your name. We shop multiple high-risk carriers to find you the most affordable option for your driving record.
Motorcycle SR-22
Yes, you can attach an SR-22 to a motorcycle policy to satisfy the state requirement. Often significantly cheaper than a car policy—a smart option if you ride and need to reinstate your license.
Who Needs an SR-22?
Common Reasons You May Need SR-22 Filing
Life happens. Whether it's a mistake, an oversight, or circumstances beyond your control—we don't judge. We just file. Here's who typically needs an SR-22:
The "Lapse Trap" Warning
One Missed Payment = Back to Square One
This is the most important thing to understand about SR-22 insurance: if you miss even ONE payment, your insurance company is legally required to send an SR-26 (Cancellation Notice) to the Illinois Secretary of State immediately.
The consequences are severe:
- Immediate License Suspension: Your driving privileges are revoked again.
- 3-Year Clock Resets: You start the entire 36-month SR-22 period from day zero.
- Higher Premiums: Reinstatement after a lapse costs more than continuous coverage.
- Additional State Fees: You'll pay reinstatement fees to the Secretary of State again.
How We Help You Avoid Lapses
Automatic Payment Reminders: We contact you before your due date to prevent accidental lapses.
Multiple Payment Options: Pay monthly, quarterly, or annually—whatever fits your budget.
Grace Period Guidance: If you're struggling, call us immediately. We may be able to help you avoid cancellation if you act fast.
DUI & Hardship Permits
Our SR-22 Service Includes
- Electronic Filing (Instant)
- Same-Day Proof of Insurance
- Digital ID Cards
- Se Habla Español
Restricted Driving Permits
Work Permits: Drive to/from work, school, or medical appointments with proper SR-22 filing.
Hardship Permits: If you qualify for MDDP, we ensure your SR-22 is filed correctly so you can legally operate with the BAIID device.
How Fast Can I Drive?
We File Instantly—But Wait for State Confirmation
Here's the timeline you need to understand:
Important: Do NOT drive until the Illinois Secretary of State website shows your license status as "Valid". Driving on a suspended license—even after we file—can result in additional charges.
Check Your License Status
- Visit: ilsos.gov
- Use "License Plate/ID Inquiry"
- Wait for "Valid" status
- Call us if you have questions
SR-22 Costs Explained
Filing Fee
Typically ~$25 one-time fee charged by the insurance company to file the SR-22 form.
Insurance Premium
Varies based on your driving record, age, vehicle, and coverage level. We shop 20+ carriers for the best rate.
State Reinstatement
$70-$500+ paid to Illinois Secretary of State depending on your violation type.
SR-22 Questions Answered
Let's Get You Back on the Road
No judgment. No lectures. Just fast, affordable SR-22 filing to reinstate your license today.
Serving Chicago from 3945 W Devon Avenue