SR-22 Insurance for Chicago, IL
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We Offer the Cheapest SR-22 Insurance in Chicago!
If the state requires you to have SR-22 insurance, it's not negotiable. But you can still choose your insurance provider. At Clover Insurance Agency, we offer SR-22 (or SR22) insurance for folks in the Chicago, IL, area who need it. Learn more about what we offer below.
Non-Owner SR-22
If you don’t own a vehicle but still need to meet state requirements for financial responsibility, a
Non-Owner SR22 policy may be the right solution. This type of coverage allows you to stay compliant with the law while driving borrowed or rented vehicles, without the expense of insuring a car you don’t own. We offer competitive rates on all varieties of SR22, including non-owner policies, so you can get back on the road with confidence. Our team is here to guide you through the process, making it simple, affordable, and tailored to your unique needs.
Trusted Provider
We are proud to be the oldest and one of the most trusted insurance providers in the Chicago area. As a family-owned business, we are happy to listen to your concerns. SR-22 insurance can be difficult to navigate, so we want to make the process as easy on you as possible.
At Clover Insurance Agency, we offer affordable rates for all our coverage, so you can rest assured that you’re getting great value for your money.
We’ll give you a free quote and commit to offering great service the entire time you work with us, regardless of if you decide to get coverage with us.
Frequently Asked Questions About SR-22 Insurance
What is an SR-22 and do I actually need one?
An SR-22 is not an insurance policy — it's a certificate your insurance company files with the state confirming you carry the minimum required liability coverage. Illinois and Indiana typically require it after a DUI, a suspended license, driving without insurance, too many traffic violations, or an at-fault accident without coverage. If a court or the Secretary of State's office has told you an SR-22 is required, you can't get your license reinstated without one on file.
How fast can Clover file my SR-22?
We file SR-22s electronically directly with the state, so in most cases it can be submitted the same day you call — often within minutes of setting up your policy. There's no mailing or waiting on paperwork.
How much does SR-22 insurance cost?
The SR-22 filing fee itself is typically low (often $15–$25), but your overall insurance premium will usually go up because an SR-22 requirement signals higher risk to insurers. Clover shops multiple carriers to find you the lowest rate available given your specific situation — call us for a personalized quote.
How long do I have to carry an SR-22?
Most SR-22 requirements last 3 years from the date of your violation or reinstatement, though this varies by state and by the specific offense. We'll confirm your exact end date when we set up your filing.
What happens if my SR-22 policy lapses or gets canceled?
Your insurer is required to notify the state immediately if your policy lapses, which can result in your license being suspended again — even if the lapse was accidental. It's critical to keep the policy active and paid for the entire required period.
Can I get an SR-22 if my license is currently suspended?
Yes. In fact, getting an SR-22 filed is usually the step that allows your license to be reinstated. You don't need an active license to purchase the policy — you need the policy to get your license back.
Does my SR-22 filing cover me in both Illinois and Indiana?
An SR-22 is filed with a specific state, based on where it was required. If you drive in or between both Illinois and Indiana, let us know — we'll make sure your policy and filing meet the requirements for wherever you need to be covered.
Can I switch to Clover if I already have an SR-22 with another insurer?
Yes. We can often get you a new policy with SR-22 filing set up quickly, with no gap in coverage, and you may end up paying less than you are now.
At Clover Insurance Agency, we provide coverage for a variety of situations. In addition to auto and SR-22 insurance, we also offer rideshare and delivery coverage so you can work for companies such as Uber or Lyft. We also cover homes, allowing you to bundle your insurance and save.
All of our insurance agents are well-versed in what we offer, so you can rest assured that you’re speaking with an expert. As a family-owned company, we’ll also never make you talk to a robot — we understand the frustration of not being able to reach a real person, so we don’t even make that a possibility. You can ask your questions and get real answers from real people.
To learn more or get your free quote, call us at
(773) 381-2200 or text
(773) 973-3700.
