Cheapest SR-22 Car Insurance in Indiana (2024)

Based on MoneyGeek's research, American Family offers the most affordable full coverage SR-22 insurance in Indiana. State Farm comes in second for full coverage, and it's also the cheapest option for minimum coverage policies. If you don’t own a car, Auto-Owners Insurance provides the lowest-priced non-owner SR-22 at $214 per year, followed by State Farm at $382.

Indiana drivers with infractions like driving under the influence (DUI), at-fault accidents or driving without insurance must file an SR-22 form to regain their driving privileges. Although filing an SR-22 with your insurer doesn't directly affect auto insurance costs, violations leading to its filing may can. Drivers must purchase coverage to verify their car insurance policies meet the state’s requirements.

Car insurance costs often go up after you file an SR-22, but not all insurers are prohibitively expensive. The two least expensive insurers for minimum coverage car insurance for those with SR-22s in Indiana are:

• State Farm: $306 per year
• Progressive: $361 per year

The cheapest providers in Indiana for a full coverage policy and need to file an SR-22 form are:

• American Family: $706 per year
• State Farm: $730 per year

Car insurance rates after a driving offense usually go up because insurers see you as high risk. By comparing SR-22 car insurance quotes, you could secure the lowest rates for your situation. The following table highlights the cheapest options in Indiana, with average annual costs ranging from $306 to $853.

Many people refer to SR-22 as an insurance policy, but that's not quite right. An SR-22 is a form issued by your insurance company after a traffic violation like a DUI or at-fault accident. It shows your auto insurance policy meets the state minimum liability coverage requirements.

That said, you may see "SR-22 insurance" used throughout this article to help keep things moving along.

Once your insurance carrier electronically files proof of future financial responsibility in Indiana, you maintain the SR-22 certificate for at least 180 days. Your insurer must submit an SR-26 to the Indiana Bureau of Motor Vehicles before your normal driving privileges can be reinstated.

After filing this form, your car insurance rates may spike because you're at a higher risk of filing claims.

The most affordable non-owner car insurance in Indiana for most drivers who need to file an SR-22 comes from:

• Auto-Owners Insurance Co: $214 per year
• State Farm: $382 per year

If you have a military affiliation, USAA also offers one of the most affordable non-owner auto insurance for those with an SR-22, averaging $247 per year.

As a non-vehicle-owning driver, you may need to provide proof of insurance if the state suspends your license. Non-owner car insurance is generally cheaper than standard car insurance, benefitting drivers who don't own vehicles.

The following table compares companies that often accept applicants with SR-22s on file. On average, rates vary from $214 to $673.

Indiana drivers with a DUI on their record may expect to pay about $619 per year for minimum coverage car insurance with an SR-22. This increases to $1,289 per year for a full coverage policy.

Aside from a DUI, you may need to file an SR-22 if you get into an at-fault accident, have a significant speeding ticket or get charged with other offenses. You typically pay more for car insurance after an offense since you're riskier to insure than those who maintain clean driving records.

After filing an SR-22 in Indiana, you may expect your minimum coverage auto insurance premium to increase by $265 per year. Indiana drivers with no violations pay about $354 for a policy meeting the state minimum requirements. However, your actual cost will vary based on coverage level, insurance provider, type or severity of the traffic violation and other factors.

Various incidents warrant filing an SR-22 form in Indiana, including having a DUI or DWI, driving without sufficient insurance, having multiple violations within a short period and more.

Apart from the high cost of coverage, filing an SR-22 form in Indiana may have other drawbacks like policy cancellation, limited coverage options and filing costs.

If you need to purchase auto insurance in Indiana after a violation, you can use the following steps:

1. Identify insurance companies offering coverage to drivers needing SR-22s. Compare quotes based on affordability, claims denial rate and customer satisfaction scores.
2. Buy a policy that meets Indiana's minimum liability requirements.
3. Have the insurance provider file an SR-22 with the Indiana Bureau of Motor Vehicles.
4. Pay filing fees and ensure you maintain the certificate for the stipulated period.

You'll likely pay more for auto insurance after a DUI conviction because you're riskier to insure. However, can still secure cheap SR-22 car insurance by comparing your rates. Prices could also be lower if you attend DUI programs and drive safer. Although car insurance may cost more after a violation, having a policy is required before you get behind the wheel.

MoneyGeek responded to common questions about SR-22 insurance Indiana to help you identify the best option.