Illinois Non Owner SR22 Insurance

Illinois Non Owner SR22 Insurance

The State of Illinois requires certain “problem” drivers (e.g., those with safety responsibility suspensions, unsatisfied judgment suspensions, and DUI revocations) to carry SR22 insurance. “SR22 insurance” is really just a nickname that is used to mean an insurance policy that requires an insurance company to file an SR22 form with the Secretary of State on the insured person’s behalf.

There are three types of SR22 insurance in Illinois:

  • Operator’s (non-owner) Insurance – this policy covers the driver while he or she is driving any non-owned vehicle. The non-owner SR22 is only available to those who do not own a vehicle.
  • Owner’s Insurance – this policy covers all vehicles owned by the driver.
  • Operator’s-Owner’s Insurance – this policy covers all vehicles owned or non-owned by the driver.

Illinois Non-Owner SR22 Insurance and Ignition Interlock Law

Illinois requires DUI offenders to install an ignition interlock in their vehicles. This can pose a problem for people who do not own a vehicle. In order to comply with the relatively new ignition interlock laws, you will probably need to own a vehicle, which means that you will need to purchase an Owner’s SR22 Insurance Policy instead of a Non-Owner SR22 Insurance Policy.

How to Buy Illinois Non-Owner SR22 Insurance

An Illinois SR22 insurance requirement can last for 1 to 3 years. If your SR22 policy nears expiration without renewal, or is canceled, your insurance company will file an SR26 form with the Secretary of State. This will likely result in the suspension of your driver’s license.

Non-owner SR22 insurance must be purchased from an insurance company authorized to write financial responsibility insurance in Illinois and have a power of attorney on file in Illinois.