Cheapest SR-22 Car Insurance in Indiana (2024)

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Updated: May 20, 2024

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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.

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Cheapest Companies for SR-22 Car Insurance in Indiana

Why Trust MoneyGeek? Our team obtained data from the Indiana Department of Insurance and Quadrant Information Services to determine the most affordable SR-22 insurance companies for various driver profiles.

39,388Quotes Analyzed
13Companies Compared

Cheapest Companies for SR-22 Car Insurance in Indiana

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:

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.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:Minimum Coverage
Driving Violation:
Driving Violation:DUI
State FarmAnnual Premium$306Monthly Premium$26
ProgressiveAnnual Premium$361Monthly Premium$30
American FamilyAnnual Premium$386Monthly Premium$32
FarmersAnnual Premium$554Monthly Premium$46
TravelersAnnual Premium$598Monthly Premium$50
Grange InsuranceAnnual Premium$633Monthly Premium$53
Indiana Farm BureauAnnual Premium$655Monthly Premium$55
Auto-Owners Insurance CoAnnual Premium$694Monthly Premium$58
GEICOAnnual Premium$746Monthly Premium$62
AllstateAnnual Premium$793Monthly Premium$66
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What Is SR-22 in Indiana?

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.

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Your insurer should submit an SR-26 form once you've met your financial obligations associated with your SR-22. If they don't, you could have to deal with legal consequences.

Cheapest Companies for Non-Owner SR-22 Car Insurance in Indiana

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

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.

Data filtered by:Results filtered by:
Driving Violation:
Driving Violation:Accident $1000-$1999 Prop Dmg
Auto-Owners Insurance CoAnnual Premium$214Monthly Premium$18
State FarmAnnual Premium$382Monthly Premium$32
TravelersAnnual Premium$496Monthly Premium$41
GEICOAnnual Premium$521Monthly Premium$43
ProgressiveAnnual Premium$614Monthly Premium$51
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You need non-owner car insurance if you're a professional driver, rideshare driver or frequently use a rented or borrowed car and need to file an SR-22 form. You should shop around for the most affordable non-owner auto insurance in Indiana.

Although non-owner car insurance in Indiana pays for bodily injury and property damage costs for third parties, it doesn't cover injuries to you or your passengers or damage to your vehicle.

You may add coverage options for medical expenses, rental car coverage and personal injury protection to your policy based on the insurance carrier.

Average Cost of SR-22 Car Insurance in Indiana

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.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:Minimum Coverage
CleanAnnual Premium$344Monthly Premium$29
DUIAnnual Premium$619Monthly Premium$52
TicketAnnual Premium$457Monthly Premium$38
At-Fault AccidentAnnual Premium$561Monthly Premium$47
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To save some cash, compare insurance rates from different providers each year or when renewing your auto insurance coverage if you have to maintain an SR-22. Insurance rates fluctuate, and reviewing multiple quotes when necessary can save you money.

How SR-22 Affects Car Insurance Rates in Indiana

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.

Car Insurance Rate Comparison Based on Driving Records in Indiana

Clean Driving Record

Annual Premium for Minimum Coverage

After a DUI

Annual Premium for Minimum Coverage

Car insurance premiums after a DUI are on average:$265 more

This is 75% more expensive.

Other Effects of SR-22 on Car Insurance in Indiana

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.

Limited number of insurance options

You're likely to have fewer insurance providers offering you coverage after you file an SR-22 since companies consider you risky to insure.

Possible policy cancellation

Your car insurance provider may cancel your existing policy after you commit an infraction that leads to an SR-22 form. You could prevent cancellation by ensuring you fulfill the SR-22 requirement.

Length of required filing

Indiana's law requires drivers to maintain SR-22 certificates for at least 180 days. However, the exact duration depends on the nature of the infraction, such as longer periods for subsequent offenses. Ensure the form is filed correctly to avoid additional penalties on your driving privileges.

Higher liability coverage limits

For some states, liability coverage limits may increase after you file an SR-22 form. Luckily, this doesn't apply to Indiana, and the required coverage limits remain as follows:

  • $25,000 in bodily injury liability per person
  • $50,000 in bodily injury liability per accident
  • $25,000 in property damage liability per accident
Filing fees

When submitting an SR-22 form in Indiana, you may need to pay some filing costs, mostly one-time payments. Your premiums may spike considerably, resulting in higher rates than those with clean records.

Compare Auto Insurance Rates

Ensure you're getting the best rate for your auto insurance. Compare quotes from the top insurance companies.

How to Get SR-22 Insurance in Indiana

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.
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The exact reinstatement fee for Indiana drivers is available in the Suspension Information section of one’s Official Driving Record (ODR) for $4. Drivers can find the reinstatement fees and access codes in the Reinstatement Requirements section. Costs typically range from $75 to $150. The fee is subject to change. You may pay it fully or maintain an SR-22 with the BMV for 180 days as an alternative.

After a violation, compare the reinstatement fees and SR-22 form costs. The BMV may not charge a reinstatement fee if you're a non-violent offender paroled and in job training or employed for three years.

How to Get Cheaper Car Insurance in Indiana After a DUI

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.

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    Compare quotes immediately

    If you need cheap auto insurance in Indiana after filing an SR-22, shopping around could help you find the lowest rates. Insurance companies determine the risk level after a violation in different ways, resulting in different amounts for each situation. You can save a few dollars by comparing quotes from multiple companies and selecting the most affordable coverage for your needs.

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    Complete DUI classes or programs

    Indiana requires drivers convicted of more than one traffic offense within a year to enroll in its Driver Safety Program within 90 days of conviction or face suspension of their driving privileges. Several BMV-approved programs can help you avoid future violations.

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    Look for discounts

    After a DUI, you may not qualify for a safe driver discount, but insurers may lower your rates for other reasons. For instance, you can lower your rates through student, bundling, defensive driving and other discounts. Ask your insurer if these options are available and use them to maximize savings.

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    Practice safe driving

    Although a DUI stays on your record for a good while, you can improve your profile over time if you steer clear of additional violations. As you continue to practice safe driving, insurers may lower your premiums.

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    Shop rates over time

    Car insurance premiums change over time. After identifying affordable coverage, you may still need to compare rates each time you renew your policy or change providers.

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High-risk drivers who can't get standard policies should look at non-standard auto insurance. It's similar to standard insurance, but its premiums are high due to the risk of filing claims by policyholders. No type of insurance, including nonstandard, is available to everyone. This is particularly true if you've had a DUI, multiple accidents or haven't driven for long.

Frequently Asked Questions About SR-22 Insurance in Indiana

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

What are the cheapest SR-22 car insurance options in Indiana?
How much does filing an SR-22 increase car insurance rates, on average?
How long do you need to have an SR-22 in Indiana?

About Mark Fitzpatrick

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Mark Fitzpatrick has analyzed the property and casualty insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. Currently, he leads P&C insurance content production at MoneyGeek. Fitzpatrick has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.

Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.