Non-Owner SR-22 Insurance in Illinois: How It Works and Why It’s Cheaper
If you need SR-22 insurance in Illinois but don’t own a car, a non-owner policy could be your best option. This type of policy meets state filing requirements while keeping your costs lower than standard auto insurance. Here’s how it works and why it might be right for you.
What Is Non-Owner SR-22 Insurance?
Non-owner SR-22 insurance provides liability coverage for drivers who don’t own a vehicle. Your insurer files the SR-22 form with the Illinois Secretary of State to prove you meet the state’s minimum liability requirements.
It covers you when you drive a borrowed or rented vehicle, but not vehicles you own or have regular access to. As a result, it’s ideal for meeting SR-22 requirements without paying for full auto coverage.
When Do You Need a Non-Owner SR-22 in Illinois?
- Your license was suspended or revoked and you must file an SR-22 to reinstate it
- You were convicted of driving without insurance
- You had a DUI but don’t currently own a car
- You want to keep continuous insurance coverage to avoid higher rates later
Illinois SR-22 Insurance Requirements
- $25,000 for bodily injury per person
- $50,000 for bodily injury per accident
- $20,000 for property damage per accident
Your SR-22 must remain on file for at least three years. If your policy lapses, your insurer must notify the state, which can result in another suspension.
Why Non-Owner Policies Cost Less
Non-owner policies usually cost less because they don’t cover a specific vehicle. Instead, they only provide liability coverage when you’re driving cars you don’t own. You’re not paying for physical damage coverage like collision or comprehensive, which helps keep premiums lower.
How to Get Non-Owner SR-22 Insurance in Illinois
- Contact an insurance provider that offers SR-22 filings — Foxx Insurance can help.
- Request a quote for a non-owner policy that meets Illinois’s minimum requirements.
- Your agent files the SR-22 with the Illinois Secretary of State, often the same day.
- Keep your policy active for the required time period to avoid additional penalties.
Tips to Save Even More
- Compare quotes from multiple carriers
- Pay your policy in full to avoid installment fees
- Maintain a clean driving record during the SR-22 period
Get Your Non-Owner SR-22 in Illinois Today
Foxx Insurance specializes in non-owner SR-22 insurance in Illinois. We’ll help you file quickly and find a policy that fits your budget.
Get a free SR-22 quote or call 877-409-1063 to speak with a licensed agent today.