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What is Non-Owner SR22?

If you were convicted of a serious moving violation or reckless driving offense (such as a DUI or DWI) in a car, truck, motorcycle, boat, or even an ATV, most states will require you to obtain an SR-22 insurance bond. The same is true even if you don't own a vehicle. In this case, you will be required to carry what is called a "non-owner" SR-22 certificate.

SR22 Insurance Cost

The state of Illinois, like many other states, uses the SR-22 and SR-26 forms to enforce and monitor proof of financial responsibility for those individuals who have been found guilty of reckless driving infractions. Some examples of reckless driving offenses that will warrant the SR-22 include DUI, DWI, OWI, or driving without insurance.

The SR22 Financial Responsibility Certificate is the form that instates this proof of insurance requirement. The SR26 form authorizes the Secretary of State to end or revoke the SR22.

In Illinois, a minimum insurance coverage of 20/40/15 ($20,000 per person injured / $40,000 per accident / $15,000 property damage coverage) is required. In most cases, the SR22 coverage must remain in effect for 3 years.

If you are an Illinois resident and are required to maintain SR-22 auto insurance, be prepared to pay a very high premium. Most SR22 policies will cost at least twice as much as conventional auto insurance plans. This is true even if you have been convicted of a reckless driving offense, but don't own a vehicle. In this case you still will have to carry what is known as "non-owner" SR-22 insurance.

Because of the high costs of these "high-risk" auto insurance policies, you should make sure to do research and get multiple quotes from accredited insurance companies for your Illinois SR22 insurance.