SR22 Explained


Financial responsibility insurance monitors the insurance of high-risk drivers. An SR-22 certificate of financial responsibility guarantees you carry the minimum insurance required by the State of Illinois and that you will continue to carry it for a set amount of time.

To obtain an SR-22, contact an agent at Insurance Navy in-person, over the phone, online or through our mobile app. Insurance Navy will submit an SR-22 filing will on your behalf on a Financial Responsibility Certificate.

An SR-22 certificate is issued in one of the following forms:

Operator’s Certificate

Operator’s certificates cover the driver in any non-owned vehicle.

Owner’s Certificate

Owner’s certificates cover cars owned by the driver. The type of vehicle must be listed on the SR-22 or may be issued for all owned vehicles.

Operators-Owners Certificate

Operators-owners certificates cover all cars owned or not owned by the driver.

When a driver makes a payment towards an SR22 policy, an Insurance Navy agent will submit a request for an SR-22 through the Secretary of State’s office. This may take up to 30 days to process. Once it is processed, the driver will receive a copy of the SR-22 certificate as well as a letter from the Secretary of State’s office confirming their SR 22 is in place.

Usually, a financial responsibility certificate must be maintained for three years but it may range from two to five years. If an SR-22 cancels or expires, Insurance Navy is required by law to notify the Safety and Financial Responsibility Section. When the Secretary of State receives notice of a cancellation, the driver’s license will be suspended. This suspension will not be removed until the financial responsibility filing has been reinstated.

SR-22 insurance must be renewed at least 45 days before the policy ends to avoid license suspensions.

If drivers do not want to go through this process, they may deposit $70,000 in cash or securities with the Illinois State Treasurer. They may also file a surety bond or file a real estate bond.

Per Illinois law, drivers that need an SR22 certificate must have the following minimum amounts in vehicle liability insurance:

  • $25,000 for injury or death of one person in an accident
  • $50,000 for injury or death of more than one person in an accident
  • $20,000 for damages to property of another person

There most common reasons financial responsibility certificates are filed are:

  • DUI/DWI convictions
  • Driving uninsured
  • Driving without a license
  • A revoked or suspended license

SR-22s: what drivers want to know

What is an SR-22?

An SR22 is a financial responsibility certificate that is required for a driver to reinstate or maintain their driving privileges.

Why do I need an SR-22?

An SR-22 is for multiple reasons but more commonly, it is required when a driver is involved in an accident or a traffic stop and did not have an insurance policy.

You may also need an SR-22 if you:

  • Have a DUI or DWI
  • Have a serious moving violation or car accident
  • Were driving without insurance or a license
  • Have repeat traffic offenses
  • A revoked or suspended license
  • Court-ordered reasons including failing to pay child support

How long do I need an SR-22 for?

The typical amount of time required for an SR-22 is  3 years but ranges from two to five years.

Why is my license still suspended even after filing an SR22?

A license may still be suspended after an Sr-22 filing if there are additional judgements against you. This includes unpaid tickets or fines, unpaid child support or there may be an error in your SR-22. Please contact an agent at Insurance Navy so they can verify your information, including proper spelling of your first, middle and last name, your date of birth and driver’s license number.

Why was my SR-22 rejected?

An SR-22 may need to be refiled if there is an error in your SR-22 application. Please contact an agent at Insurance Navy so they can verify your information, including proper spelling of your first, middle and last name, your date of birth and driver’s license number.

Do you need more information about SR-22 coverage or need a quote. Our agents and customer service representatives are here to help. Call us today at 1-888-949-6289 or visit your nearest Insurance Navy location. For your convenience, Insurance Navy is open from 8 a.m. to 9 p.m. CST, 7 days a week.

*Please review your own SR22 for details. SR-22 varies by state, person and insurance company.