What Indiana drivers need an SR-22?

SR-22 insurance is required for Indiana drivers who have been convicted of a serious traffic violation, such as reckless driving or DUI. It is a form certifying that you have enough insurance coverage to comply with the state’s minimum auto insurance requirements. It is not a separate insurance policy.

Where can Indiana drivers get an SR-22?

Indiana drivers who need SR-22 insurance can get a policy from authorized insurance carriers. The company will file the form and a Certificate of Compliance to the BMV on your behalf. To find the best option, be sure to compare rates from multiple providers.

How much does SR-22 insurance cost compared to a standard policy in Indiana?

Auto insurance rates for drivers who need SR-22 may vary, but it is more expensive than a standard policy for drivers with clean records. For state minimum coverage, an Indiana driver with a DUI pays an average of $597 per year. On the other hand, a driver who maintains a clean record typically pays $409 per year. That means drivers with SR-22 insurance pay roughly $188 more annually.

Which company in Indiana is cheapest for SR-22 insurance?

Progressive offers the cheapest SR-22 insurance in Indiana. The cost for the state minimum requirement for a Progressive policyholder with a DUI is $435.

How long do you need an SR-22 in Indiana?

How long you need SR-22 insurance in Indiana depends on the number of insurance suspensions. The first and second require you to hold SR-22 coverage for three years. Subsequent suspensions will increase the period to five years.

Indiana SR-22 Insurance: What It Is and How Much It Costs

Drivers convicted of high-risk violations, such as reckless driving or DUI, need to get SR-22 insurance in Indiana. The driver’s insurance company will file the SR-22 form with the state, confirming they have enough insurance coverage to comply with the state’s minimum requirements. Generally, SR-22 insurance is similar to a standard auto insurance policy. However, it’s much more expensive due to the seriousness of the offense. The cheapest SR-22 insurance in Indiana, which is from Progressive, costs an average of $435 per year.

Which Indiana Insurance Companies Offer the Cheapest SR-22 Insurance?

Insurance carriers often view drivers with serious traffic violations to be higher risks. Aside from the small fee for the SR-22 form, your insurer will most likely increase your premium based on the severity of the violation.

The minimum policy coverage for SR-22 insurance in Indiana costs an average of $597 per year. In comparison, the average cost of a typical auto insurance policy for a driver with a clean record is $409 per year.

Looking for cheap SR-22 insurance in Indiana may be challenging, but there are multiple carriers that you can choose from. The least expensive SR-22 insurance company is Progressive. Its minimum Indiana car insurance package for a driver with an SR-22 certificate costs an average of $435 annually. Meanwhile, Allstate offers the most expensive average policy at $751 per year.

Cheapest Companies for SR-22 Insurance in Indiana

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Company
Average Annual Rate
1.
Progressive
$435
2.
Erie
$484
3.
State Farm
$521
4.
American Family
$553
5.
GEICO
$646
6.
Farmers
$651
7.
United Farm Bureau of IN Group
$736
8.
Allstate
$751

The costs stated on the table are for an auto insurance policy meeting the minimum requirements in Indiana or a full-coverage plan that includes $100,000 in bodily injury liability costs per person, $300,000 per accident and $100,000 in property damage costs.

These are estimates based on a typical Indiana driver. Various factors affect car insurance rates, including the cost of filing the SR-22 form, the severity of your violation and the loss of access to discounts. It is best to compare personalized quotes from at least three different car insurance carriers to find the most accurate policy.

Key Takeaways

SR-22 forms usually come with a one-time fee, which is around $25.

You will lose your eligibility for good driver discounts once you have a high-risk traffic violation, making SR-22 insurance even more expensive.

The cost of a policy varies depending on the severity of the violation. Serious offenses, such as a hit-and-run collision, will result in higher rates.

What Is SR-22 Insurance in Indiana? Who Needs It? How Do You Get It?

It is important to note that SR-22 insurance in Indiana is not an insurance policy. It is a form that the insurance company files on behalf of the policyholder. It serves as proof that you meet the minimum liability coverage requirements. SR-22 insurance is necessary for drivers who commit a severe traffic violation. Insurance after a DUI or reckless driving is much more costly than the rate for drivers with clean records.

MONEYGEEK EXPERT TIP

Indiana drivers filing an SR-22 have to prove that they meet the state minimum auto insurance requirements, which include:

$25,000 bodily injury liability coverage per person
$50,000 bodily injury liability coverage per accident
$25,000 property damage liability coverage per accident

Who Needs SR-22 Insurance in Indiana? And for How Long Do They Need It?

Each state has its own rules regarding which violations can result in an SR-22 insurance requirement. In most cases, a driver will need to file for SR-22 coverage after committing a severe traffic violation, like any of the following:

DUI
Reckless driving
Driving without insurance coverage
Driving with a suspended license

Usually, minor traffic violations do not require an SR-22 form. Indiana drivers who get a ticket or are involved in an accident should shop around to find the best rates for insurance with a bad record. These costs are not as high as the cost of a policy for those who need an SR-22.

So, how long do you need SR-22 insurance in Indiana? Indiana drivers have to hold SR-22 insurance for three years after the first and second suspensions of insurance. The third and subsequent suspensions require SR-22 insurance for five years. Your insurance carrier will inform the Bureau of Motor Vehicles (BMV) if you cancel or fail to renew your SR-22 insurance in Indiana.

How Do You Get SR-22 Insurance in Indiana?

Insurance companies may file an SR-22 form in Indiana upon the policyholder’s request. However, since high-risk drivers are required to file SR-22 forms, some carriers may not cover you. Those that offer coverage for drivers who need SR-22 forms usually charge higher rates than the premium you paid before the violation.

Non-Owner SR-22 Insurance in Indiana

SR-22 insurance policies provide proof that you have liability insurance coverage after committing a serious driving offense. Drivers in Indiana who have had their licenses revoked due to driving violations, like DUIs, require an SR-22 insurance policy as proof of insurance to get their licenses reinstated, even if they don’t own a car.

Drivers who may not own cars but regularly rent or borrow other people’s cars need proof of liability insurance. A non-owner SR-22 car insurance policy is the most affordable option in this type of scenario.

For drivers in Indiana with driving violations, the average cost of SR-22 insurance is $462 yearly. Keep in mind these rates can change depending on the insurer. On average, MoneyGeek found that the cheapest insurance companies on average for non-owner SR-22 car insurance are GEICO at a cost of about $373 per year and Progressive, which costs roughly $460 per year.

The Average Cost of Non-Owner SR-22 Car Insurance in Indiana

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Company
Average Annual Rate
1.
GEICO
$373
2.
Progressive
$460
3.
State Farm
$461
4.
Farmers
$556

The prices in this study are for non-owner car insurance for drivers with DUIs on their record in Indiana who are buying coverage with $50,000 per person bodily injury liability, $100,000 per accident bodily injury liability and $50,000 in property damage liability per accident.

FAQs About SR-22 Insurance in Indiana

Indiana drivers looking for SR-22 insurance usually have various questions about the rates, the filing process and where to purchase a policy. Here are the answers to some of the most common questions.

Methodology

MoneyGeek analyzed car insurance premiums from eight of the top insurance companies in Indiana that were provided in partnership with Quadrant. Our analysis includes quotes from ZIP codes across Indiana. Quotes were gathered for policies that meet the state’s minimum coverage requirements and for full-coverage policies with $100,000 in bodily injury liability insurance per person, $300,000 in bodily injury liability insurance per accident and $100,000 in property damage liability per accident. Rates are for the same driver with both a clean record and a DUI.

About Mark Fitzpatrick

Mark Fitzpatrick is a senior content director at MoneyGeek with over five years of experience analyzing the insurance market, conducting original research and creating content that can be personalized for every buyer. He has been quoted on insurance topics in several publications, including CNBC, NBC News and Mashable.

Mark 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 economics and insurance knowledge to bring transparency around financial topics and help others feel confident in their money moves.