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Key Takeaways

  • A driver's financial responsibility as mandated by their state or a court order is certified by SR-22 paperwork.
  • Indiana drivers must keep their SR-22 insurance files current for three years following their first or second insurance suspension.
  • The application fee, which normally ranges from $15 to $50, represents the sole actual cost associated with SR-22 insurance.
  • Despite their histories, drivers in Indiana who get a ticket or are involved in an accident should shop around for the best insurance rates.
  • While the SR-22 is still on your driving record, you should anticipate a considerable increase in your auto insurance costs because high-risk drivers pay the highest rates.

What is SR-22 insurance?

An SR-22 is a document that certifies a driver's financial responsibility as required by their state or court order. An SR-22 is paperwork that is submitted to your state, not a true "kind of insurance”. This document serves as evidence that the minimum liability coverage mandated by state law is met by your auto insurance policy.

Submitting a Michigan SR-22 insurance form confirms that your auto insurance policy meets the state’s minimum liability coverage criteria. In addition, be aware that insurance is far more expensive after a DUI than having a clean record. Finally, it is significant to remember that a DUI in Michigan will result in license suspension and can even call for community service or jail time.

How to get Indiana SR-22 insurance?

You must connect with a regional auto insurer that is authorized to conduct business in Indiana if you want proof of insurance coverage and/or an SR-22 insurance file. Here are some important actions:

Locate licensed insurance: SR-22 insurance is only available from specific insurance providers. Check to see if your current insurer qualifies, or look for a new insurer who will submit the SR-22 form on your behalf.

Remit the required SR-22 charge: A flat fee of between $15 and $50 will probably be requested from the approved insurer. The insurer must submit the form, and you must pay the charge for your driving privileges to be restored.

Have an insurance company provide your evidence of insurance: Your driving privileges will be suspended if the Indiana BMV doesn't obtain the insurer's Certificate of Compliance (COC) within 90 days of receiving a request for proof of financial responsibility. Additionally, an SR-22 form filing is necessary after being found guilty of some major charges, such as DUI.

Obtain affirmation: Both the Indiana BMV and your insurer should give you a letter confirming confirmation of insurance coverage and that you are once again legally permitted to drive after processing the SR-22 form filing.

You can submit an Out of State Residency Affidavit to waive your SR-22 requirement if you reside outside of Indiana yet are required by the state to carry SR-22 insurance coverage. However, you must have proof of insurance coverage and submit an SR-22 certificate if you return to Indiana before the completion of the SR-22 required period.

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How long will I need the SR-22?

Car insurance after a DUI in Indiana

For three years after their first or second insurance suspension, drivers in Indiana must maintain SR-22 insurance filings. You will be required to have SR-22 insurance for five years after your third or subsequent insurance suspension. If you cancel or do not renew your SR-22 policy, insurance companies will inform the Indiana BMV.

Cost of SR-22 insurance in Indiana

Insurer Cost per year Cost per year W/ SR-22 and DUI
USAA $281 $509
Progressive $461 $609
Erie $312 $802
American Family $440 $842
State Farm $412 $1001
All State $807 $1069
Auto Owners $686 $2965

The only actual expense for SR-22 insurance is the filing fee, which typically ranges from $15 to $50. However, SR-22 insurance is more expensive than regular auto insurance since major traffic infractions like DUIs are considered to be higher insurance risks.

However, SR-22 insurance is more expensive than regular auto insurance since major traffic infractions like DUIs are considered to be higher insurance risks.

We advise researching prices from different insurers to locate affordable SR-22 insurance in Indiana. Comparing prices from numerous providers is frequently one of the greatest ways to discover affordable SR-22 insurance because different carriers evaluate price risk in different ways.

Discounts are another way to reduce costs; these differ from business to business. For instance, if your car complies with the regulations, you've completed a defensive driving course, or you have obtained outstanding grades in school, you can be eligible for a discount on your rate.

SR22 Insurance Indiana – Who has the cheapest price in the city?

City Price
Seymour National General
Vincennes Farmers
Bloomington Progressive
Fort Wayne Bristol West
Washington Farmers
Michigan City Bristol West
Greensburg Progressive
Valparaiso Progressive
Marion Bristol West
Carmel Progressive
South Bend Progressive
Fishers Liberty Mutual
Zionsville Liberty Mutual
Evansville Progressive
Chesterton Dairyland
East Chicago Progressive
Crawfordsville Progressive
Richmond Farmers
Noblesville Progressive
La Porte Progressive
Merrillville Bristol West
Schererville Dairyland

SR-22 insurance in Indiana: traffic violations and uninsured driving

Each state has its own regulations governing which infractions call for SR-22 insurance. After committing a serious traffic infraction, such as any of the following, a driver will typically need to apply for SR-22 insurance:

Usually, an SR-22 form is not necessary for minor traffic infractions. Drivers in Indiana who receive a ticket or are in an accident should shop around for the best deals on insurance despite their records. These expenses are not as expensive as a policy for people who require an SR-22.

Filing your Indiana SR-22

You must connect with a regional auto insurer that is authorized to conduct business in Indiana if you want proof of insurance coverage and/or an SR-22 insurance file. Here are some important actions:

Locate a registered insurer: SR-22 insurance is only available from specific insurance providers. Check to see if your current insurer qualifies, or look for a new insurer who will submit the SR-22 form on your behalf.

Remit the required SR-22 charge: A flat fee of between $15 and $50 will probably be requested from the authorized insurer. The insurer must submit the form, and you must pay the charge for your driving privileges to be restored.

Have an insurance company provide your evidence of insurance: Your driving privileges will be terminated if the Indiana BMV doesn't obtain the insurer's Certificate of Compliance (COC) within 90 days of receiving a request for proof of financial responsibility. Additionally, an SR-22 form filing is necessary after being found guilty of some major charges, such as DUI.

Obtain affirmation: Both the Indiana BMV and your insurer should give you a letter confirming confirmation of insurance coverage and that you are once again legally permitted to drive after processing the SR-22 form filing.

You can submit an Out of State Residency Affidavit to waive your SR-22 requirement if you reside outside of Indiana yet are required by the state to carry SR-22 insurance coverage. However, you must have proof of insurance coverage and submit an SR-22 certificate if you return to Indiana before the conclusion of the SR-22 required period.

Indiana SR-22 requirements

Your insurance provider certifies that your policy satisfies the minimal coverage standards required by Indiana law when it submits an SR-22 form on your behalf.

The conditions for Indiana's liability auto insurance coverage are:

  • Liability for bodily harm is $25,000 per person and $50,000 per accident.
  • Liability for property damage: $25,000 per incident

When do I need SR-22 insurance?

In Indiana, liability insurance pays for any expenses incurred by a victim of an accident you caused. The following are example situations where Indiana mandates that a driver submit an SR-22 along with proof of insurance coverage.

Any vehicle collision for which the Indiana Bureau of Motor Vehicles receives a report (BMV)

within a year of receiving two additional eligible moving violations, a moving offense that results in lost points.

Driving violations are classified as crimes or misdemeanors.

Any traffic infraction by a motorist who has already been suspended for failing to show proof of financial responsibility that results in lost points

Some drivers could require non-owner vehicle insurance coverage that covers drivers on an automobile they don't own, such as individuals who don't own a car but are working to have their license reinstated. Non-owner policies often cost less while still fulfilling the legal criteria than other SR-22 policies.

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

  • Accident with fault but no insurance
  • License suspension because of child support
  • Failure to continue to carry the required insurance coverage required by state law
  • DUI (Driving under the influence of Drugs or Alcohol)
  • Loss of license due to unpaid fines
  • Extraordinary point breaches
  • Driving while being revoked or suspended
  • A surplus of tickets issued in a short period
  • Prior imprisonment

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Non-owner SR-22 insurance in Indiana

After committing a serious traffic crime, SR-22 insurance plans serve as verification that you have liability insurance coverage. Even if they don't own a car, drivers in Indiana who have had their licenses suspended for traffic violations like DUIs must provide an SR-22 insurance policy as proof of insurance to get their licenses reinstated.

Drivers who occasionally rent or borrow other people's cars but do not own their vehicles must provide proof of liability insurance. The cheapest alternative in this kind of situation is a non-owner SR-22 auto insurance coverage.

SR-22 insurance for Indiana drivers with moving infractions typically costs $462 a year. Remember that these prices can vary according to the insurer. According to Way.com, State Farm and Progressive are the most affordable insurance providers for non-owner SR-22 car insurance, with annual premiums of $385 and $473, respectively.

How an SR-22 impacts your insurance in Indiana

In Indiana, SR-22 insurance is cost-effective. The insurance provider who delivers the form will charge drivers a filing fee, which is typically little more than $50. This price is in addition to insurance rates, which may be more expensive for motorists in Indiana who need an SR-22. Drivers do, however, make extra payments for an SR-22.

First, license reinstatement fees must be paid by drivers whose licenses are suspended. To reinstate your license after a first offense, you must pay $250; however, after two or more offenses, the reinstatement charge rises to $500.

Additionally, your auto insurance rate will increase if you have an SR-22 on your record. The highest-risk drivers pay the highest auto insurance rates, so while the SR-22 is still on your driving record, expect your cost to rise significantly.

Bottom-line

IA driver demonstrates to the state that they have the resources to cover any potential damage on the road by having an SR-22. If you don't want to deal with the SR-22 procedure, Indiana does not provide alternative proof of financial responsibility; therefore, you will have to wait three to five years before you can get your license back.

Auto Insurance Data Methodology

The auto insurance rates published in this guide are based on the results of research completed by Way.com’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes.

Quotes are typically based on a full coverage policy average unless otherwise noted within the content.

These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with way.com

Frequently asked questions

How do I get an SR-22 in Indiana?

Upon the policyholder's request, insurance firms may file an SR-22 form in Indiana. However, some carriers might not insure you because high-risk drivers must submit SR-22 documents. The premiums for those who provide coverage for motorists who require SR-22 forms are typically more than what you were paying before the infraction.

What does an SR-22 cover in Indiana?

Drivers in Indiana who submit an SR-22 must demonstrate that they have the minimum levels of auto insurance mandated by the state, which includes $25,000 in bodily injury liability coverage for each person. $50,000 in liability insurance for bodily harm per incident. Property damage liability coverage of $25,000 per incident.

How much is an SR-22 in Indiana?

There is a $25 filing charge for an SR-22, in addition to any reinstatement fees for your license. However, the true cost is manifested in the form of higher auto insurance premiums because, following your significant traffic infraction, auto insurance providers view you as a larger risk for injury or death.

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