Hey, I know getting your license suspended was tough. And if you’re here, you’re probably wondering how to get it back now that your SR22 is almost over—or maybe you’re just trying to figure out where to start. Don’t worry, you’re not alone. We’ve helped drivers from all over Illinois through this same situation, and today, I’ll walk you through what reinstating your license after an SR22 in Illinois looks like. I’ll explain everything in simple terms so you know what to expect—and how we at Illinois Insurance Center can help you get back behind the wheel without the runaround.
What Does Reinstating Your License After an SR22 Mean?
Let’s break it down. When your license was suspended—whether for a DUI, driving without insurance, or another serious traffic offense—the state likely made you file an SR22. That SR22 was proof you had the minimum required auto insurance for high-risk drivers. Now that your filing period is ending, it’s time to handle the final steps.
Reinstating your license after an SR22 doesn’t happen automatically. The state needs to confirm a few things before you’re legally cleared to drive again. That includes checking your record, making sure you have coverage, and collecting any unpaid fees. Illinois Insurance Center is here to guide you through every step of the way.
Step 1: Double-Check Your Eligibility
First things first—make sure you’re actually eligible to reinstate. We always recommend going to the Illinois Secretary of State’s website. You’ll need your driver’s license number to look up your current status. If you’ve still got fines, court fees, or unpaid traffic tickets hanging over you, you’ll have to take care of those first.
➡ If you’re not sure where you stand or need help figuring it out, give us a call at (708) 524-4900 or visit our Contact Page.
Step 2: Get Your SR22 Insurance in Place
You can’t get around this part—you’ll need active SR22 coverage until the state clears your record. Even though it’s usually required for about three years, that doesn’t mean you can cancel it early without consequences. Letting your policy lapse could restart your filing period or delay reinstatement.
At Illinois Insurance Center, we’ve been helping drivers in Chicago, Aurora, and Naperville get affordable SR22 insurance that meets state requirements. We make the process simple and explain your options clearly.
💬 Need commercial coverage too? If you drive for work, check out our Commercial Auto Insurance page.
Step 3: Confirm That Your SR22 Has Been Filed Properly
Once you buy SR22 insurance from us, we take care of filing it directly with the state. You don’t have to deliver any forms or stand in line. The state will update your driving record once they process the paperwork.
But remember—your license won’t be reinstated just because the SR22 was filed. That’s just one part of the puzzle.
Step 4: Pay Your Reinstatement Fee
Most drivers forget about this part, but it’s a must. After the state processes your SR22 filing, you’ll still need to pay a reinstatement fee. The amount depends on the type of violation and how long your license was suspended.
📝 You can usually pay online, by mail, or in person at a Secretary of State facility.
We often help clients in Joliet and Rockford understand how to pay and what documentation they need. If you’re unsure, our team is just a phone call away.
Step 5: Attend a Hearing—If Required
Some suspensions, like those involving DUIs or repeat offenses, require a formal hearing before reinstatement. The Secretary of State will tell you if this step applies to your case.
At Illinois Insurance Center, we’ve guided drivers through this before. We can help you prepare by making sure your coverage is up to date and all documents are in order.
What Happens If You Cancel Your SR22 Too Early?
One mistake we see often is canceling your SR22 policy as soon as you think your suspension is over. Bad idea. If the state doesn’t receive continuous coverage for the full term—usually three years—it could restart your suspension. You’ll be back at square one.
To avoid that mess, always confirm with the Secretary of State before dropping your policy. We can help you do that safely and without risk.
Can You Switch Insurance Companies During an SR22 Filing?
Yes, you can. Just make sure there’s no lapse in coverage. If you want to switch to Illinois Insurance Center to save money or get better service, we’ll make sure your new SR22 is filed immediately so you stay in compliance.
What If You Need More Than Just SR22 Insurance?
You’re in luck. We offer more than just SR22 filings. You might also want to bundle with one of these options:
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Homeowners Insurance: Save more by bundling your car and home policies under one roof.
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Business Insurance: If you own a small business, we’ll help protect it from liability and property risks.
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Contractor Insurance: Ideal for tradespeople who need fast, reliable coverage.
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Life Insurance: Make sure your family is financially protected with a plan that fits your budget.
Where We Help
We’re proud to serve drivers from all across Illinois. If you need insurance in Aurora, IL, we’re ready to help—click here.
We also work with customers looking for insurance in Naperville, IL—click here to learn more.
Need insurance in Chicago, IL? You’re right in our backyard—click here.
Trying to get your license back while living in Joliet, IL? Visit our Joliet location page for support.
And for those needing insurance in Rockford, IL, we’ve got your back—click here.
Frequently Asked Questions
1. How long do I need to carry SR22 insurance in Illinois?
Most drivers are required to carry SR22 insurance for three years. That can vary based on your offense.
2. Can I reinstate my license online?
In many cases, yes. Visit the Illinois Secretary of State website to check your eligibility and pay your fees.
3. What’s the cost of reinstating my license?
It depends on your offense, but reinstatement fees usually range from $70 to $500.
4. What happens if my SR22 lapses?
Your license could be suspended again, and your SR22 filing period might restart.
5. Can Illinois Insurance Center file the SR22 for me?
Yes! Once you get a policy with us, we handle all the paperwork.
6. Is SR22 insurance more expensive?
It can be, but we specialize in finding affordable options for high-risk drivers.
7. Do I need SR22 if I don’t own a car?
Yes. You’ll need a non-owner SR22 policy to meet state requirements.
8. How do I know when I can cancel my SR22?
Call the Illinois Secretary of State or ask us—we’ll confirm for you.
9. Will my rates go down after SR22 ends?
Yes, in most cases. Once your filing period is over, you can shop for regular policies again.
10. Can I switch to Illinois Insurance Center even if I already have SR22 with another company?
Absolutely. We’ll help you switch without a lapse in coverage.
Final Thoughts on Reinstating Your License After an SR22 in Illinois
Reinstating your license after an SR22 in Illinois doesn’t have to be overwhelming. Once you break it down into clear steps—checking eligibility, securing the right insurance, filing the paperwork, and paying your fees—it becomes manageable. And you don’t have to do it alone.
Here at Illinois Insurance Center, we’ve helped thousands of drivers across the state—just like you—get back on the road. Whether you’re in Chicago, Aurora, or Rockford, our team is ready to help.
Give us a call today at (708) 524-4900, or visit our Contact Page to get started. We’re happy to walk you through every step so you can move forward with confidence—and without stress.
