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Arizona vs Illinois

Bottom line

Illinois requires more property-damage coverage than Arizona ($20,000 vs $15,000). Both require an SR-22 filing for certain violations. Arizona generally has lower license-reinstatement costs.

Official government sources Last verified June 2026 36 fields reviewed Source links on every value

Important differences between Arizona and Illinois

The differences drivers should know.

Property damage
Arizona$15,000
Illinois$20,000
Illinois requires more property-damage coverage.
UM/UIM requirement
ArizonaOptional — not part of the required minimum. UM/UIM must be offered by the insurer and may be rejected…
IllinoisUninsured Motorist bodily injury (UM) is mandatory in Illinois at minimum 25/50, mirroring the…
Clock starts from
ArizonaFrom the effective date of the suspension (not the reinstatement date). Judgment-suspension cases vary…
IllinoisFrom the reinstatement date. The SR-22 must be on file before driving privileges are reinstated and is…
Non-owner SR-22
ArizonaYes — a non-owner SR-22 policy is available for people who don't own a vehicle but must meet the…
IllinoisYes — an Operator's Certificate covers the motorist in any non-owned vehicle and is the form filed when…
SR-22 filing fee
Arizona~$15-25 (charged by the insurer, not ADOT)
Illinois~$15-50 (charged by the insurer, not the SOS)
License reinstatement
ArizonaScenario-dependent. General suspension: $10. Revocation (DUI/major offense): $20 + an age-based…
IllinoisScenario-dependent (SOS Driver Services fee table): $70 — discretionary/traffic-related suspension,…
Arizona costs less to reinstate.
Registration reinstatement
Arizona$25 registration/license-plate reinstatement on the FR (accident) path (§28-4144). For a no-insurance…
Illinois$100, paid online at ILIVS.com, to lift a license-plate/registration suspension from an…
Arizona costs less to reinstate.
No-insurance, first offense
ArizonaMinimum civil penalty $500 (1st violation), plus a 3-month suspension/restriction of driving privileges…
IllinoisMinimum $500 fine for driving uninsured (on a traffic-stop/crash conviction), plus license-plate…
No-insurance, repeat offense
Arizona2nd within 36 months: minimum $750 + 6-month suspension of license, registration, and plates. 3rd+…
IllinoisMinimum $1,000 fine for driving a vehicle while the license plates are suspended for a previous…
DUI suspension
Arizona1st DUI: 90-day administrative (Admin Per Se / implied-consent) suspension; the criminal §28-1381…
Illinoistwo tracks. (A) Statutory Summary Suspension — administrative/implied-consent (11-501.1, durations per…
DUI fine range
ArizonaStandard DUI §28-1381: 1st = ≥$250 fine + two mandatory $500 assessments (~$1,250+ before surcharges),…
Illinois625 ILCS 5/11-501: 1st = Class A misdemeanor (up to 364 days and up to $2,500); BAC >=0.16 adds a…
Driving while suspended
ArizonaDriving on a suspended, revoked, canceled, or refused license, or while disqualified, is a class 1…
Illinois625 ILCS 5/6-303: base 1st violation = Class A misdemeanor (up to 364 days / up to $2,500), unless a…
CDL consequence
ArizonaPer §28-3312, MVD disqualifies a CDL: 1 year for a first major offense — test refusal (§28-1321),…
Illinois625 ILCS 5/6-514: a first major violation = disqualification for not less than 12 months (refusal of…
View full comparison ↓

Recent law changes

Changes verified from official state sources.

Arizona2020-07-01 — minimum liability limits raised from 15/30/10 to 25/50/15 (ARS §28-4009, enacted by HB 2534, 2019).
IllinoisMinimum liability limits last changed effective January 1, 2015 (raised to 25/50/20 by the 98th General Assembly). The DUI/implied-consent statute…

Full comparison

Every compared field, with the official source on each value.

Coverage

Bodily injury / person same
Arizona
$25,000
Official source ↗
Illinois
$25,000
Official source ↗
Bodily injury / accident same
Arizona
$50,000
Official source ↗
Illinois
$50,000
Official source ↗
Property damage
Arizona
$15,000
Official source ↗
Illinois
$20,000
Official source ↗
UM/UIM requirement
Arizona
Optional — not part of the required minimum. UM/UIM must be offered by the insurer and may be rejected in writing.
See Arizona sources ↗
Illinois
Uninsured Motorist bodily injury (UM) is mandatory in Illinois at minimum 25/50, mirroring the liability BI limits (215 ILCS 5/143a). Underinsured…
Full details
Uninsured Motorist bodily injury (UM) is mandatory in Illinois at minimum 25/50, mirroring the liability BI limits (215 ILCS 5/143a). Underinsured Motorist bodily injury (UIM, 215 ILCS 5/143a-2) is required only if the insured buys UM limits above the 25/50 minimum; at minimum limits it is not separately required. UM/UIM limits may not exceed the liability limits. UMPD (uninsured-motorist property damage) must be offered at a maximum $250 deductible. Illinois mandates UM, which fewer than half of states do.
Official source ↗

SR-22 / FR-44

SR-22 required same
FR-44 required same
Filing duration same
Arizona
3 years
Official source ↗
Illinois
3 years
Official source ↗
Clock starts from
Arizona
From the effective date of the suspension (not the reinstatement date). Judgment-suspension cases vary and require contacting MVD.
Official source ↗
Illinois
From the reinstatement date. The SR-22 must be on file before driving privileges are reinstated and is maintained 3 years from that point; a coverage…
Full details
From the reinstatement date. The SR-22 must be on file before driving privileges are reinstated and is maintained 3 years from that point; a coverage lapse (SR-26) re-suspends and restarts the 3 years.
Official source ↗
Non-owner SR-22
Arizona
Yes — a non-owner SR-22 policy is available for people who don't own a vehicle but must meet the requirement after a serious traffic offense.
Official source ↗
Illinois
Yes — an Operator's Certificate covers the motorist in any non-owned vehicle and is the form filed when the person does not own a vehicle. (Owner's…
Full details
Yes — an Operator's Certificate covers the motorist in any non-owned vehicle and is the form filed when the person does not own a vehicle. (Owner's Certificate covers owned vehicles and is required to obtain/retain plates; an Owner's/Operator's Certificate covers both.)
Official source ↗

Costs

SR-22 filing fee
Arizona
~$15-25 (charged by the insurer, not ADOT)
See Arizona sources ↗
Illinois
~$15-50 (charged by the insurer, not the SOS)
See Illinois sources ↗
License reinstatement
Arizona
Scenario-dependent. General suspension: $10. Revocation (DUI/major offense): $20 + an age-based application fee ($10 age 50+, $15 ages 45-49, $20…
Full details
Scenario-dependent. General suspension: $10. Revocation (DUI/major offense): $20 + an age-based application fee ($10 age 50+, $15 ages 45-49, $20 ages 40-44, $25 age 39 and under or any age with a Travel ID) + SR-22 + (for alcohol/drug cases) interlock and substance-abuse evaluation. Admin Per Se suspension: additional $50. Financial-responsibility (accident) suspension: $10 driver license + $25 registration/plate (§28-4144(C)(2)(b)).
Official source ↗
Illinois
Scenario-dependent (SOS Driver Services fee table): $70 — discretionary/traffic-related suspension, failure to appear, family responsibility (child…
Full details
Scenario-dependent (SOS Driver Services fee table): $70 — discretionary/traffic-related suspension, failure to appear, family responsibility (child support), Safety Responsibility (uninsured-accident administrative), unsatisfied judgment, Zero Tolerance (under-21), parking/tollway/automated-traffic; $100 — mandatory-insurance-conviction driver's-license suspension (separate from the $100 license-plate fee; both can be owed), solicitation of towing; $250 — Statutory Summary Suspension (DUI/implied consent) first offense, Field Sobriety first; $500 — SSS multiple/subsequent, Field Sobriety multiple, and Revocations (DUI conviction). The $250/$500 SSS and revocation fees may only be paid to the Springfield office.
Official source ↗
Registration reinstatement
Arizona
$25 registration/license-plate reinstatement on the FR (accident) path (§28-4144). For a no-insurance registration suspension, the consumer path is a…
Full details
$25 registration/license-plate reinstatement on the FR (accident) path (§28-4144). For a no-insurance registration suspension, the consumer path is a $50 fee plus current proof of insurance where prior-coverage proof can't be produced.
Official source ↗
Illinois
$100, paid online at ILIVS.com, to lift a license-plate/registration suspension from an insurance-verification failure (separate from the $100…
Full details
$100, paid online at ILIVS.com, to lift a license-plate/registration suspension from an insurance-verification failure (separate from the $100 driver's-license mandatory-insurance fee — both can be owed). Repeat offenders serve a 4-month plate suspension before the $100 reinstatement.
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Penalties

No-insurance, first offense
Arizona
Minimum civil penalty $500 (1st violation), plus a 3-month suspension/restriction of driving privileges (§28-4135(E)(1)).
Official source ↗
Illinois
Minimum $500 fine for driving uninsured (on a traffic-stop/crash conviction), plus license-plate suspension. The registration side is enforced…
Full details
Minimum $500 fine for driving uninsured (on a traffic-stop/crash conviction), plus license-plate suspension. The registration side is enforced through ILIVS: a failed second verification -> registration suspension, lifted by obtaining coverage and paying $100 at ILIVS.com.
Official source ↗
No-insurance, repeat offense
Arizona
2nd within 36 months: minimum $750 + 6-month suspension of license, registration, and plates. 3rd+ within 36 months: minimum $1,000 + 1-year…
Full details
2nd within 36 months: minimum $750 + 6-month suspension of license, registration, and plates. 3rd+ within 36 months: minimum $1,000 + 1-year suspension of license, registration, and plates, with SR-22 required on reinstatement (§28-4135(E)(2)-(3)).
Official source ↗
Illinois
Minimum $1,000 fine for driving a vehicle while the license plates are suspended for a previous insurance violation. Repeat ILIVS offenders also…
Full details
Minimum $1,000 fine for driving a vehicle while the license plates are suspended for a previous insurance violation. Repeat ILIVS offenders also serve a 4-month plate suspension before the $100 reinstatement.
Official source ↗
DUI suspension
Arizona
1st DUI: 90-day administrative (Admin Per Se / implied-consent) suspension; the criminal §28-1381 conviction itself does not revoke on a 1st. 2nd…
Full details
1st DUI: 90-day administrative (Admin Per Se / implied-consent) suspension; the criminal §28-1381 conviction itself does not revoke on a 1st. 2nd within 84 months (§28-1381 or §28-1382): driving privilege revoked at least 1 year; special ignition-interlock restricted license possible after 45 days. Aggravated DUI (§28-1383, felony): revocation with no new license issued for at least 1 year (per §28-1385 period for the child-passenger variant). All convictions carry mandatory ignition interlock (§28-3319).
Official source ↗
Illinois
two tracks. (A) Statutory Summary Suspension — administrative/implied-consent (11-501.1, durations per 6-208.1), effective on the 46th day after…
Full details
two tracks. (A) Statutory Summary Suspension — administrative/implied-consent (11-501.1, durations per 6-208.1), effective on the 46th day after notice: first offender 6 months (failed test >=0.08 / drugs / THC >=5 ng) or 12 months (refusal); non-first-offender 12 months (fail) or 36 months (refusal). Under-21 Zero Tolerance: 3 or 12 months (BAC >0.00) / 6 or 24 months (refusal). (B) DUI conviction revocation — indefinite, with minimum eligibility: 1st = 1 year, 2nd within a 20-year period = 5 years, 3rd = 10 years, 4th+ = lifetime. If under 21 at conviction: 1st = 2 years, 2nd = 5 years or until the 21st birthday (whichever is longer), 3rd = 10 years, 4th+ = lifetime. Revocation reinstatement is hearing-gated (informal for 1st, formal for multiple).
Official source ↗
DUI fine range
Arizona
Standard DUI §28-1381: 1st = ≥$250 fine + two mandatory $500 assessments (~$1,250+ before surcharges), min 10 days jail (suspendable to 1 with…
Full details
Standard DUI §28-1381: 1st = ≥$250 fine + two mandatory $500 assessments (~$1,250+ before surcharges), min 10 days jail (suspendable to 1 with treatment); 2nd = ≥$500 + two $1,250 assessments, min 90 days jail. Extreme §28-1382: BAC 0.15-0.20 = ≥$250 + $250 abatement + two $1,000 assessments, min 30 days jail; super-extreme BAC ≥0.20 = ≥$500, min 45 days jail. Aggravated §28-1383 (felony): ≥$750 + $250 abatement + two $1,500 assessments, mandatory prison (4 or 8 months by priors).
Official source ↗
Illinois
625 ILCS 5/11-501: 1st = Class A misdemeanor (up to 364 days and up to $2,500); BAC >=0.16 adds a mandatory 100 hours community service + $500 min…
Full details
625 ILCS 5/11-501: 1st = Class A misdemeanor (up to 364 days and up to $2,500); BAC >=0.16 adds a mandatory 100 hours community service + $500 min fine; transporting a child <16 adds up to 6 months + $1,000 min + 25 days CS. 2nd = mandatory minimum 5 days jail or 240 hours CS; BAC >=0.16 adds 2 days + $1,250 min. 3rd = Aggravated DUI, Class 2 felony (BAC >=0.16 adds 90 days + $2,500 min; child <16 adds $25,000). 4th = Class 2 felony, no probation (>=0.16 -> $5,000 min). 5th = Class 1 felony. 6th+ = Class X felony. Aggravated DUI (3rd+, school bus, great bodily harm, no license, no insurance, etc.) is a Class 4 felony floor; DUI causing death = Class 2 felony, 3-14 years (one death) or 6-28 years (two or more).
Official source ↗
Driving while suspended
Arizona
Driving on a suspended, revoked, canceled, or refused license, or while disqualified, is a class 1 misdemeanor (§28-3473). Arizona's general class 1…
Full details
Driving on a suspended, revoked, canceled, or refused license, or while disqualified, is a class 1 misdemeanor (§28-3473). Arizona's general class 1 misdemeanor ceilings are up to 6 months jail and up to a $2,500 fine plus surcharges (ARS §13-707 / §13-802).
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Illinois
625 ILCS 5/6-303: base 1st violation = Class A misdemeanor (up to 364 days / up to $2,500), unless a valid MDDP/RDP/probationary/JDP permit applies.…
Full details
625 ILCS 5/6-303: base 1st violation = Class A misdemeanor (up to 364 days / up to $2,500), unless a valid MDDP/RDP/probationary/JDP permit applies. If the underlying suspension/revocation was for DUI (11-501), leaving-the-scene-with-injury (11-401(b)), or a Statutory Summary Suspension (11-501.1): mandatory minimum 10 days jail or 30 days community service (non-suspendable). 2nd (DUI-related) = Class 4 felony, min 30 days or 300 hrs CS; 3rd = Class 4 felony, min 30 days; 4th-9th = Class 4 felony, min 180 days; 10th-14th = Class 3 felony; 15th+ = Class 2 felony. A reckless-homicide / DUI-death revocation underlies a harsher track escalating to Class 1/Class 2 felony and lifetime revocation. Driving on a revoked license also bars license issuance for +1 year from conviction. Collateral: 4th conviction -> plate seizure/vehicle immobilization; driving suspended AND uninsured (7-601) -> immediate impoundment; DUI-related -> vehicle seizure/forfeiture.
Official source ↗

CDL

CDL consequence
Arizona
Per §28-3312, MVD disqualifies a CDL: 1 year for a first major offense — test refusal (§28-1321), driving a CMV under the influence or with BAC…
Full details
Per §28-3312, MVD disqualifies a CDL: 1 year for a first major offense — test refusal (§28-1321), driving a CMV under the influence or with BAC ≥0.04, leaving the scene, using a vehicle in a felony, causing a fatality by negligent operation, driving a CMV while already disqualified, OR a regular DUI committed in a personal (non-commercial) vehicle (chapter 4, article 3 violation). 3 years if the offense occurred while hauling placarded hazmat. Lifetime for two or more such offenses (reducible to 10 years by rule). Permanent for a controlled-substance trafficking felony or a human-trafficking offense committed with a CMV. Out-of-service-order violations: 180 days / 2 years / 3 years. Railroad-crossing violations: 60 / 120 days / 1 year. Two serious traffic violations in 3 years = 60-day disqualification; three or more = 120 days. CDL alcohol threshold is 0.04. Disqualification begins 10 days after MVD logs the conviction.
Official source ↗
Illinois
625 ILCS 5/6-514: a first major violation = disqualification for not less than 12 months (refusal of testing; BAC >=0.04 in a CMV, or over the…
Full details
625 ILCS 5/6-514: a first major violation = disqualification for not less than 12 months (refusal of testing; BAC >=0.04 in a CMV, or over the non-CMV limit while holding a CDL/CLP; DUI; leaving the scene; any felony using a vehicle; driving a CMV while disqualified; a fatality by negligent operation). note FOR THE audience: a DUI in a personal/non-commercial vehicle disqualifies the CDL — (a)(2)/(a)(3)(i) explicitly reach a CDL/CLP holder driving a non-CMV. 3 years if the violation occurred while transporting placarded hazmat. A second such offense (separate incidents) = lifetime disqualification (reducible to not less than 10 years if the US DOT authorizes; a later disqualifying offense after reinstatement = permanent). A controlled-substance felony using a vehicle, or a severe-human-trafficking felony with a CMV = lifetime, no reduction. 2 serious traffic violations in 3 years = 60 days; 3 = 120 days. Out-of-service/6-507 ladders (6 mo / 2 yr / 3 yr and 1 yr / 3 yr / 5 yr). Railroad-grade-crossing = 60 / 120 days / 1 year. CDL alcohol threshold is 0.04 (half the 0.08 standard). Disqualifications apply only to conduct after March 31, 1992.
Official source ↗