SR-22 Insurance in Indiana: What is it? How much does it cost?

SR-22 Insurance in Indiana: What is it? How much does it cost?

Find Cheap SR-22 Auto Insurance Quotes in Indiana

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Indiana drivers who are convicted of a serious driving-related violation, such as a DUI or driving without insurance, are often required to buy SR-22 insurance coverage. An SR-22 certificate confirms you have enough insurance to comply with the state's minimum car insurance requirements. The insurer will file the certificate on your behalf, which typically costs about $50.

An insurance policy with an SR-22 in Indiana usually costs more than standard car insurance policies, as insurance companies view drivers with an SR-22 certificate and prior driving violations to be higher risk.

Which companies offer the cheapest SR-22 insurance quotes in Indiana?

From our sample insurers, USAA offers the cheapest rates for SR-22 insurance in Indiana, at an average of $497 per year, while Auto-Owners charges the highest average rates at $2,953 per year.

This graph ranks SR-22 insurance quotes for 30-year-olds across varying insurers.

Find Cheap SR-22 Auto Insurance Quotes in Indiana

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The table below compares car insurance quotes for a 30-year-old man without SR-22 insurance against a 30-year-old man with SR-22 insurance and a DUI charge. The premium rate increase is also included for each insurer.

Cost per year
Cost per year with SR-22 and DUI
USAA logo
Progressive logo
Erie logo
American Family logo
American Family$428$830
State Farm logo
State Farm$400$989
Show All Rows

*USAA is only available to current and former military members and their families.

The only explicit cost associated with SR-22 insurance is the fee to file the form, usually between $15 and $50. Nevertheless, SR-22 insurance costs more than standard auto insurance because serious driving offenses, such as DUIs, are seen as an increased risk to insure.

Minimum coverage car insurance in Indiana costs, on average, $498 annually, or $42 per month. Having one DUI on your driving record, however, can increase car insurance rates by up to 50%, depending on your insurance provider and where you live.

If, for example, a typical rate is $600 in Indianapolis, then SR-22 insurance due to a DUI conviction could cost as much as $900 per year.

To find cheap SR-22 insurance in Indiana, we recommend comparing quotes from several insurers. Carriers assess and price risk using different methods, so getting multiple quotes is often one of the best strategies for finding cheap SR-22 insurance.

You may also lower the price through discounts, which vary by company. For example, you could get a deal on your rate if your car meets requirements, you've taken a defensive driving course or you earn good grades in school.

What is an SR-22 insurance certificate in Indiana, and when is it required?

When your insurance company files an SR-22 form on your behalf, it confirms your policy meets the minimum coverage requirements mandated by Indiana law.

Indiana's liability car insurance coverage requirements are:

  • Bodily injury liability: $25,000 per person/$50,000 per accident
  • Property damage liability: $25,000 per accident

Liability insurance in Indiana covers any costs owed to an injured person in an accident that you caused.

Reasons you may be required to file an SR-22 include:

  • Failure to pay for insurance
  • Reckless driving
  • Vehicular manslaughter
  • DUI
  • Drag racing
  • You are convicted of offenses that lead to driver's license suspension
  • You are convicted of insurance violations

Some drivers, like those who don't own a car but are working toward getting their license reinstated, may need a non-owner auto insurance policy that covers drivers on an automobile they don't own. Non-owner policies are typically less expensive than other SR-22 policies while still meeting the necessary legal requirements.

If you are from another state, you still have to maintain your SR-22 if you are driving in Indiana.

How do I get an SR-22 certificate in Indiana?

To have proof of insurance coverage and/or get an SR-22 insurance filing in Indiana, you will need to work with a local auto insurer that is licensed to do business in the state. Here are some key steps:

Find an authorized insurer. Only select insurance companies can provide SR-22 insurance. Confirm whether your current carrier is eligible or find a new insurer that will file the SR-22 form on your behalf.
Pay the appropriate SR-22 fee. The authorized insurer will likely charge a flat fee between $15 and $50. To get your driving privileges reinstated, the insurer will need to file the form and you'll need to pay the fee.
Have an insurer file proof of insurance on your behalf. The insurer will file an SR-22 form electronically with the Indiana Bureau of Motor Vehicles (BMV).
insurance policy
Receive confirmation. Upon processing the SR-22 form filing, both the Indiana BMV and your insurer should send you a letter confirming proof of insurance coverage and that you are legally eligible to drive again.

If the state of Indiana requires you to have SR-22 insurance coverage and you live out of state, you can submit an Out of State Residency Affidavit to waive your SR-22 requirement. If, however, you move back to Indiana before the end of your SR-22 requirement period, you must have proof of insurance coverage and file an SR-22 certificate.

How long is SR-22 insurance coverage required in Indiana?

In Indiana, the length of time you'll be required to hold an SR-22 insurance filing depends on the reason you were required to file the SR-22 in the first place.

If you failed to provide proof of insurance when requested by the Indiana BMV, you would need to maintain SR-22 coverage for 180 consecutive days.

If your driving privileges are suspended, you must keep SR-22 insurance for three years following reinstatement of your license. After your third or subsequent suspension, you will be required to carry SR-22 insurance for five years.

Insurance companies will notify the Indiana BMV if you cancel or do not renew your SR-22 policy.

Letting SR-22 coverage lapse can result in lost driving privileges, reinstatement fees and increased auto insurance rates.

To avoid a coverage lapse, you should try to renew your policy early — at least 30 days in advance — while you're required to carry SR-22 insurance. Once you've held SR-22 insurance for the required holding period, contact the Indiana BMV to verify that your requirement is complete.

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