What is a High-Risk Driver?

If you are required by the court to carry SR-22 insurance, then you are considered, by the state of Illinois, to be a high-risk driver. The SR-22 financial responsibility can be put upon you for a variety of different reasons. At the end of the day, it is the judge’s decision as to whether or not SR-22 insurance is necessary.


So what does the state of Illinois consider a high-risk driver? Well, there are a number of different offenses that can put you on such a list. One of the more serious ones is driving under the influence of alcohol or other drugs. You can also be considered high-risk for driving without insurance or committing a high number of traffic offenses in a short period of time. These offenses, however, do not lead to as severe a punishment as DUI. If you are convicted of DUI, your SR-22 certificate will most likely cost more money and also be required for a longer amount of time. The best advice is to be smart when you drive, obey the law, and always have insurance. Trying to cut corners can end up costing you a lot of time, money, and frustration.


At Insurance Navy in Palos Hills, we provide cheap SR-22 insurance for drivers in or around the city of Chicago. If you recently became in need of one, the Insurance Navy agents can set you up with a low-cost SR-22 certificate the same day you request it. You will be back on the road in no time! To learn more about our convenient and affordable SR-22 insurance, please visit our website: www.insurancenavy.com

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