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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…
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
Bodily injury / accident same
Property damage
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…
Official source ↗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.
SR-22 / FR-44
SR-22 required same
FR-44 required same
Filing duration same
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…
Official source ↗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.
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…
Official source ↗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.)
Costs
SR-22 filing fee
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…
Official source ↗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)).
Illinois
Scenario-dependent (SOS Driver Services fee table): $70 — discretionary/traffic-related suspension, failure to appear, family responsibility (child…
Official source ↗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.
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…
Official source ↗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.
Illinois
$100, paid online at ILIVS.com, to lift a license-plate/registration suspension from an insurance-verification failure (separate from the $100…
Official source ↗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.
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…
Official source ↗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.
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…
Official source ↗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)).
Illinois
Minimum $1,000 fine for driving a vehicle while the license plates are suspended for a previous insurance violation. Repeat ILIVS offenders also…
Official source ↗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.
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…
Official source ↗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).
Illinois
two tracks. (A) Statutory Summary Suspension — administrative/implied-consent (11-501.1, durations per 6-208.1), effective on the 46th day after…
Official source ↗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).
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…
Official source ↗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).
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…
Official source ↗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).
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…
Official source ↗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).
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.…
Official source ↗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.
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…
Official source ↗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.
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…
Official source ↗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.