Cheapest SR-22 Car Insurance in Indiana

Progressive delivers Indiana's most affordable SR-22 insurance at $815 for minimum coverage and $1,389 for full coverage. That minimum rate is $1,040 below the state average of $1,855, a significant 56% discount for drivers who need an SR-22 filing.  

Grange Insurance, the most expensive on our list, costs $1,298 for minimum coverage, still 30% below the state average but $483 more than Progressive. Shopping around Indiana often leads to lower-cost insurance for high-risk drivers who need SR-22 filings.
You can find the five insurers offering Indiana's cheapest SR-22 premiums in the table below.

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

Progressive most often emerges as the category winner in this dataset. The least expensive category is Drivers With Other Violations, priced at $644 for minimum coverage SR-22 insurance with GEICO, while the most expensive is Young Drivers With a Suspension, at $922 with Progressive. The $278 spread reflects how age and suspension history combine to push rates higher.

Insurers still price SR-22 policies based on violation severity and history, so individual quotes can vary even within the same category label.

* 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.

Goodland records the lowest minimum coverage SR-22 at $640 (Travelers), while Indianapolis is most expensive at $859 (Progressive). The $219 gap equals about 34% more in the capital, reflecting urban traffic patterns and higher claim costs.

Population density, collision frequency, and repair economics are major drivers of Indiana's city-to-city SR-22 variation.

* 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.

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.