Cheap SR-22 Insurance in Indiana From $44
The average cost of SR-22 car insurance for drivers with a DUI in Indiana is $118 per month for liability insurance and $235 for full coverage.
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Written byElizabeth Rivelli
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Elizabeth Rivelli
5+ years writing insurance and personal finance topics
Auto, home, health, and life insurance expertise
Elizabeth has extensive insurance industry experience, having written for Insureon, Rate Retriever, and Insurify. She’s also finance and insurance editor for Car and Driver.
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Edited byKatie Powers
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Licensed auto and home insurance agent
3+ years experience in insurance and personal finance editing
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
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Reviewed byMark Friedlander
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Corporate communications director for Insurance Information Institute
20+ years in insurance and communications
As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.
Updated November 20, 2024
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Table of contents
SR-22 insurance is a certificate that verifies you carry the required amount of auto insurance in Indiana. The state requires people who lose driving privileges due to driving convictions or insurance violations to carry an SR-22 form.[1]
Here’s what you need to know about finding cheap car insurance if you have an SR-22.
Quick Facts
Indiana drivers who want to reinstate a suspended license will need their insurer to file an SR-22.
Indiana drivers who require an SR-22 must keep the certificate filed for 180 consecutive days.
Filing an SR-22 costs around $25, but the exact amount depends on your location and insurance company.
Cheapest companies for SR-22 insurance in Indiana
Indiana drivers with an SR-22 typically pay higher rates for car insurance. Below, you can see the cheapest car insurance companies in Indiana for drivers with an SR-22 certificate.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Quote: Liability Only ▲▼ | Average Quote: Full Coverage ▲▼ |
|---|---|---|
| Auto-Owners | $31 | $62 |
| State Farm | $33 | $65 |
| USAA | $35 | $70 |
| GEICO | $37 | $72 |
| American Family | $49 | $97 |
| Clearcover | $56 | $92 |
| Progressive | $62 | $121 |
| Travelers | $65 | $129 |
| Farmers | $68 | $135 |
| Direct Auto | $73 | $143 |
| Root | $75 | $120 |
| Allstate | $78 | $154 |
| Dairyland | $81 | $200 |
| CSAA | $86 | $145 |
| Nationwide | $86 | $169 |
| National General | $91 | $180 |
| The General | $92 | $210 |
| Safeco | $95 | $169 |
| Elephant | $98 | $153 |
| Bristol West | $98 | $219 |
| Liberty Mutual | $102 | $226 |
| GAINSCO | $104 | $237 |
| Foremost | $129 | $244 |
| AssuranceAmerica | $141 | $227 |
| State Auto | $162 | $322 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
What is SR-22 insurance in Indiana?
SR-22 insurance is a certificate of proof of financial responsibility that verifies you have the minimum amount of car insurance required in Indiana. Drivers who need to reinstate their license after a suspension will need to file an SR-22 form in Indiana.
Despite the name, SR-22 insurance isn’t actually a type of insurance. It doesn’t provide any bodily injury or property damage coverage. If you need an SR-22 form, you still have to carry liability insurance that meets the minimum-coverage requirements.
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Difference between SR-22 and FR-44
SR-22s and FR-44s are both certificates of financial responsibility for high-risk drivers. The main differences between these two forms include what states issue them and how much coverage they require.
Indiana requires SR-22 insurance for certain high-risk drivers who need to reinstate their driver’s license. The only states that use FR-44 certificates are Florida and Virginia.
If you need SR-22 insurance in Indiana, you need to carry a policy that meets the state minimum-coverage policy. If you need FR-44 insurance in Florida or Virginia, you’ll typically have to carry liability insurance above the state requirements.
When you need SR-22 insurance
Indiana requires SR-22 insurance for people who need to reinstate their driving privileges after certain offenses.
Here are some situations where you might need an SR-22:[2]
DUI/DWI conviction
Insurance violations, like driving uninsured
Driving without a license
Reckless driving
Multiple at-fault accidents or violations within a short period
Not paying court-ordered child support
Even if you don’t own a vehicle, you may still have to meet an SR-22 insurance requirement in Indiana. In that case, you’d have to have an SR-22 form with a non-owner auto policy, which provides third-party liability coverage when you drive a car you don’t own.
How to get SR-22 insurance in Indiana
If you need SR-22 insurance in Indiana, follow the steps below:
1. Ask your insurance company if it issues SR-22s
Not all car insurance companies provide SR-22 certificates. Call your car insurance company or insurance agent to find out if your current insurer can provide and file an SR-22 form on your behalf.
2. If necessary, shop around for other insurers
If your car insurance company doesn’t issue SR-22s, you’ll need to shop around and purchase a new policy from an insurer that can provide one. Make sure to compare quotes to find the best deal.
3. Pay the fee
Once you’ve found an insurer that can provide an SR-22, you’ll need to submit some information and pay the fee. After you pay the fee, the insurance company will file the SR-22 certificate electronically with the Indiana Bureau of Motor Vehicles (BMV).
4. Follow up with the BMV
While your insurance company will file the SR-22 for you, it’s a good idea to follow up with the BMV to ensure it’s received the form. You can’t reinstate your driving privileges until the BMV gets the certificate.
How long Indiana requires SR-22 insurance
Drivers in Indiana must maintain SR-22 insurance for 180 consecutive days, regardless of the conviction or offense. If you cancel your car insurance policy during the required period, it’ll cause your SR-22 to lapse. Your insurer will notify the BMV of the policy cancellation and suspend your driving privileges again.
Your insurer won’t automatically remove your SR-22 certificate at the end of the required period. You’ll need to contact your car insurance company and request them to remove the SR-22 from your insurance. Your insurance company will file an SR-26 form with the BMV to remove the certificate.
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How SR-22 insurance affects driving record and future rates in Indiana
Indiana insurers will consider drivers who need an SR-22 form as high-risk. As a result, drivers with an SR-22 typically pay more expensive car insurance rates. Your premium can increase during the period while you have the form, but it might also affect your rate in the future.
If you need to maintain SR-22 insurance in the state of Indiana, use these tips to help reduce your car insurance premium:
Take a defensive driving course. Many auto insurance companies will give you a discount if you complete an approved defensive driving course.
Bundle your policies. Bundling your car insurance with another policy, like home insurance or renters insurance, can reduce your premium.
Increase your deductibles. Consider increasing your deductibles for collision and comprehensive insurance to save money on car insurance with an SR-22.
Sign up for a telematics program. Enrolling in your insurer’s telematics-based safe driver rewards program can help you save money when you demonstrate safe driving habits.
Pay your premium in full. By paying your annual car insurance premium up front and in full, you can often lower your premium by a small amount. Many insurers offer a discount for up-front payments.
Indiana SR-22 insurance FAQs
If you need SR-22 insurance coverage in Indiana, you might have questions about what it means and how it works. The following information can help answer your remaining questions about SR-22 insurance.
How do you know if you need SR-22?
If you need an SR-22 form, you should receive a notice from the Indiana Bureau of Motor Vehicles. If the SR-22 insurance is court-ordered, like in the case of a DUI or DWI, the judge will let you know if you need to get an SR-22. You must request the SR-22 through your insurance company.
Are there any fees with SR-22 insurance?
Yes. Even though SR-22 insurance doesn’t require a premium, you typically have to pay a fee when your insurer files the certificate. The cost of SR-22 insurance depends on the insurance company that issues the certificate and your state. But in general, an SR-22 costs around $25 to file.[3]
How much do car insurance rates increase after filing SR-22?
Car insurance premiums often increase after filing an SR-22. The actual rate increase will depend on the reason you need an SR-22. For example, if you need SR-22 insurance after a DUI conviction, your premium might increase more than if you need an SR-22 for failure to pay court-ordered child support.
How long do you have to hold an SR-22 in Indiana?
In Indiana, you have to carry SR-22 insurance for 180 consecutive days, no matter the violation. If you fail to maintain auto insurance with an SR-22 for the required time period, you’ll have your license suspended again until you can provide proof of car insurance and an SR-22.
How do you get rid of an SR-22 in Indiana?
Your insurer won’t automatically remove an SR-22 certificate from your record after 180 days. To get rid of the SR-22 requirement in Indiana, you should contact your insurance company to request its removal. Your insurance company will file an SR-26 with the Indiana BMV to remove the certificate.
What happens to your SR-22 in Indiana if you move?
You must maintain SR-22 insurance if you move from Indiana to another state. Your insurance company will need to file another SR-22 with your new state’s DMV.
And if your current insurer doesn’t operate in the new state, you’ll need to shop around and purchase a new insurance policy from a different company. Make sure to choose a new insurer that can issue SR-22s.
Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
Sources
- Indiana Bureau of Motor Vehicles. "Proof of Financial Responsibility."
- Nationwide. "What is an SR-22 and when is it required?."
- Progressive. "What is an SR-22?."
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Elizabeth Rivelli
Elizabeth Rivelli is a freelance writer covering insurance and personal finance. She has extensive knowledge of various insurance lines, including property and casualty, health, and life insurance. Her byline has been featured in dozens of publications, including Investopedia, Forbes, Bankrate, NextAdvisor, and Insurance.com.
Licensed auto and home insurance agent
3+ years experience in insurance and personal finance editing
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
Featured in
Corporate communications director for Insurance Information Institute
20+ years in insurance and communications
As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.