Cheapest SR-22 Car Insurance in Indiana

Progressive provides the cheapest SR-22 insurance in Indiana at $68 monthly for minimum coverage and $116 for full coverage, about 49% lower than the state's average overall. However, this only represents 40-year-old drivers with a DUI on record, and Travelers, Allstate, GEICO and Westfield may offer more affordable rates for your profile.

* Rates represent a 40-year-old male driver with a DUI, good credit and a 2012 Toyota Camry LE.

Progressive leads in three SR-22 categories, offering the lowest rates for most drivers, young drivers and seniors needing coverage. Travelers provides the most affordable options for racing violations and hit-and-run incidents, while GEICO and Indiana Farmers each win in one violation category.

* Rates for most drivers are represented by a 40-year-old male driver with a DUI, good credit and a 2012 Toyota Camry LE. All other profiles are modifications of these factors. Young drivers are represented by 25-year-olds, and seniors are represented by 65-year-olds; all other violations represent those with suspensions that are not due to driving violations.

Our analysis shows the best overall insurance providers, but your rates depend on personal factors like age and driving history. Check the table below to find affordable options based on your age, gender, coverage needs, credit score and driving record.

Progressive offers the most affordable SR-22 car insurance across most Indiana cities, with rates starting at $59 monthly. However, Travelers provides the state's lowest rate at $53 per month in Goodland. Here's a look at rates in major cities throughout Indiana.

* Rates represent a 40-year-old male driver with a DUI, good credit and a 2012 Toyota Camry LE.

Travelers is the best car insurance provider for SR-22 filing because it offers affordable rates, exceptional customer service and useful coverage options, earning the highest overall MoneyGeek score. Progressive, Allstate, Grange Insurance and GEICO should also be on your list of companies to consider.

Indiana drivers pay an average of $1,102 annually for SR-22 minimum coverage insurance and $2,057 per year for full coverage policies. Indiana ranks 8th most affordable for minimum coverage and 5th for full coverage nationwide. Monthly premiums can range from $57 to $616, depending on individual driver factors.

*Average rates shown represent a 40-year-old male driver with a DUI, good credit and a 2012 Toyota Camry LE.

Our analysis shows Butler has the lowest SR-22 minimum coverage rates in Indiana at $76 monthly, while Indianapolis rates are highest at $102 per month. You can review costs for major cities across Indiana for both full and minimum required coverage policies.

* Rates shown are for a 40-year-old male driver with a DUI, good credit and a 2012 Toyota Camry LE.

To comply with Indiana laws, you must carry these minimum liability limits:

• $25,000 personal injury liability per person
• $50,000 personal injury liability per accident
• $25,000 property damage liability per accident

In the state, SR-22 certificates are required for three years. The period can extend to 5 years or more based on violations, noncompliance with requirements or repeated offenses."

Indiana drivers need to understand various insurance laws and regulations beyond just filing an SR-22 for minimum coverage compliance.

In Indiana, drivers with severe violations must file an SR-22 to prove they have minimum coverage. This requirement lasts 3 to 5 years, depending on the offense. While an SR-22 costs more, cheap car insurance options are available for these drivers.

Below are frequently asked questions about SR-22 certifications in Indiana:

MoneyGeek analyzed hundreds of thousands of quotes across Indiana to determine the average cost of car insurance premiums for drivers with various profiles that would likely need an SR-22. All data was sourced from Quadrant Information Services and extrapolated by our team to give you personalized recommendations for your specific profile.

Indiana SR-22 Driver Profile

We collected data for a sample driver with the following attributes and modified it to other common profiles for those needing an SR-22:

• 40-year-old male
• Driving record with a DUI
• 2012 Toyota Camry LE
• 12,000 miles driven annually
• Suspended license
• Single
• No claims history

Coverage Levels and Deductibles

We gathered quotes for minimum coverage policies to help drivers find the cheapest SR-22 insurance for their coverage needs. Quotes were based on Indiana's minimum coverage requirements, with the following limits:

• $25,000 personal injury liability per person
• $50,000 personal injury liability per accident
• $25,000 property damage liability per accident

We based our analysis for full coverage quotes that include comprehensive and collision protection on these coverage amounts with a $1,000 deductible:

• $100,000 bodily injury liability per person
• $300,000 bodily injury liability per accident
• $100,000 property damage liability per accident

Our Best SR-22 Company Rating Methodology

We rated all companies based on the following rating scale:

• Affordability (60% of score): We analyze premium costs by gathering quotes across multiple driver profiles and comparing pricing against regional competitors. This substantial weight reflects the primary concern most consumers have when selecting insurance coverage.
• Customer experience (30% of score): Our customer service evaluation includes Google reviews, J.D. Power scores, AM Best financial ratings, and consumer feedback from Reddit discussions. We check these different sources to see how companies really perform for their customers.
• Coverage options (10% of score): We evaluate the breadth and depth of available coverage types, examining both the quantity of options and the distinctiveness of specialized benefits or unique features each provider offers.

Learn more about MoneyGeek's car insurance methodology.