Restricted License Insurance — Illinois
Illinois requires 25/50/20 liability coverage and is an at-fault state.
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Illinois at a Glance
25/50/20
Minimum liability limits, in thousands of dollars (per person / per accident / property)
At-fault
The at-fault driver's insurance pays for the damage they cause
Required
Uninsured motorist coverage must be on every policy
$70
State license reinstatement fee
Source: state DMV, insurance department and statute records, verified July 2026
Minimum Coverage Requirements in Illinois
Illinois operates as a fault-based tort state, requiring all drivers to carry minimum liability coverage and file proof of financial responsibility with the Illinois Secretary of State. Drivers seeking a Restricted Driving Permit after suspension must obtain SR-22 certification and install a Breath Alcohol Ignition Interlock Device for the duration of the permit. Illinois Department of Insurance oversees carrier compliance with filing requirements.
Bodily Injury Liability
Property Damage Liability
SR-22 Certificate of Financial Responsibility
Uninsured Motorist Coverage
BAIID Installation and Monitoring
What Drivers Pay in Illinois
$227–$337/mo
Typical monthly rate in Illinois, high-risk drivers after a DUI
Rate data: ValuePenguin and Insurify, 2026
Get Insured on Your Restricted License
Get My Restricted License Insurance QuoteIf your license is suspended
Restricted Driving Permit (RDP); Monitoring Device Driving Permit (MDDP) for first-offense DUI
application fee $8.
A coverage lapse is reported
The state can act when your insurance lapses.
Source: state DMV, insurance department and statute records, verified July 2026
Frequently Asked Questions
How long does Illinois require SR-22 filing after a DUI?
Illinois requires SR-22 filing for a minimum of 3 years after DUI-related suspensions, measured from the date your Restricted Driving Permit is approved — not from your conviction or suspension date. The Illinois Secretary of State monitors your filing continuously, and any lapse restarts the 3-year period from day one.
Can I use an out-of-state SR-22 filing for an Illinois Restricted Driving Permit?
No. Illinois does not accept out-of-state SR-22 filings for Restricted Driving Permit purposes — the filing must originate from an Illinois-licensed carrier even if you maintain policies in other states. The Secretary of State's electronic filing system only accepts submissions from Illinois-domiciled insurers.
What happens if my SR-22 insurance lapses while I have a Restricted Driving Permit?
Your carrier notifies the Illinois Secretary of State electronically within 24 hours of policy cancellation or lapse. The Secretary of State suspends your Restricted Driving Permit immediately and the 3-year SR-22 filing requirement restarts from the date you reinstate coverage — time already served does not count.
Can I get a Restricted Driving Permit without installing a BAIID in Illinois?
No. Illinois law mandates BAIID installation for all Restricted Driving Permit approvals following DUI-related suspensions. The Secretary of State will not issue the permit until your approved BAIID vendor submits installation confirmation, and carriers will not file SR-22 certificates without verified device installation.
Coverage Types
SR-22 Filing for Restricted Driving Permit
SR-22 is a certificate your carrier files with the Illinois Secretary of State proving you carry continuous liability coverage. Required for RDP approval and maintained for 3 years minimum after DUI-related suspensions.
BAIID-Compliant Auto Insurance
Illinois requires carriers to verify BAIID installation before binding coverage for RDP holders. Not all carriers write policies for BAIID-equipped vehicles, limiting your carrier options significantly.
Non-Owner SR-22 Insurance
Provides liability coverage and SR-22 filing for drivers who do not own a vehicle but need to meet Secretary of State filing requirements. Covers you when driving borrowed or rental vehicles.
Uninsured Motorist Coverage
Pays your medical bills and vehicle damage when an uninsured driver causes an accident. Illinois law requires carriers to offer UM coverage at your liability limits unless you reject it in writing at policy inception.
Collision Coverage
Pays to repair or replace your vehicle after an accident regardless of fault. Required by lenders if you finance or lease the vehicle, and essential if your vehicle value exceeds $5,000.
Comprehensive Coverage
Covers theft, vandalism, weather damage, and animal strikes. Typically paired with collision coverage and required by lenders on financed vehicles.