Cheap SR-22 Insurance in Indiana (2023)

An SR-22 requirement is likely to increase your car insurance premiums in Indiana, but you can still find ways to save money on your policy.

Updated April 20, 2023

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If you commit a serious driving offense in Indiana, the state’s Bureau of Motor Vehicles may require you to get an SR-22 certificate, which serves as proof that you meet the state’s minimum insurance requirements. Needing an SR-22 may increase the cost of your insurance premiums and could even make it more difficult to find coverage. The good news is many insurers in Indiana offer this type of coverage.

Quick Facts
  • You may need to have an SR-22 in Indiana after certain court convictions and insurance violations.

  • In most cases, you’ll only need an SR-22 for 180 days in Indiana, but the state may require it for longer if you have specialized driving privileges after a suspension.

  • Not all insurance companies offer SR-22 certificates; if your current insurer doesn’t offer them, you’ll need to find one that does.

What is SR-22 insurance in Indiana, and when do you need it?

An SR-22 isn’t actually a type of insurance but a certificate of financial responsibility. Many states require certain drivers to file this form (or for their insurance company to file it on their behalf) to prove they meet the state’s minimum insurance requirements.

In Indiana, “an SR-22 is often required by the court for offenses like driving without insurance, causing multiple accidents, or DUIs,” says Jesse Cunningham, an insurance agent and owner of Mountain View Insurance Solutions.

Insurance violations that may require an SR-22 include driving without insurance and failing to file insurance with the Indiana BMV. Upon conviction, your driver’s license will be suspended and only reinstated once an insurance company files an SR-22 on your behalf.

If the BMV receives an SR-26 — which is the form that indicates your insurance has been canceled — on your behalf, your license will again be suspended.[1]

Indiana also requires SR-22s for drivers who have been granted specialized driving privileges. These privileges may be available to suspended drivers who can demonstrate a reason why they need relief.[2]

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How can you get SR-22 insurance in Indiana?

Getting car insurance when you need an SR-22 isn’t all that different from shopping for insurance in any other situation. The difference is that you’ll have to let the insurance company know about your SR-22 requirement so it can file the form with the Indiana BMV. If you already have insurance when the requirement is imposed, you can simply contact your insurer to let them know.

Important Information

It’s worth noting that not all insurance companies offer SR-22 certificates. If you need an SR-22 and your current insurance company (or the one you’re considering) doesn’t offer these forms, you’ll have to choose a different insurer.

How long is an SR-22 required in Indiana?

The length of time you’ll need an SR-22 depends on when you received your conviction. If you received your conviction before Dec. 31, 2021, you’ll need an SR-22 for three years for a first or second offense and five years for a third or subsequent offense. But if your conviction occurred on or after Dec. 31, 2021, you’ll only need an SR-22 for 180 continuous days.

It’s important to note that if your license has been suspended for driving without insurance, you can’t simply wait out the suspension to avoid needing an SR-22. These suspensions are indefinite as of Dec. 31, 2021. The only way to have your license reinstated is to have SR-22 coverage for 180 days.[1]

If you’re required to have an SR-22 for specialized driving privileges, then your requirement extends until the end of when your license would have otherwise been suspended.[2]

The amount of time depends on the offense, but suspensions eligible for specialized driving privileges can last up to 10 years.

How much is SR-22 insurance in Indiana?

You’ll pay a small fee to file an SR-22 with the Indiana BMV. While your insurance company will pay this fee when it files the form, it’ll typically then charge you for that amount. This fee is usually around $25, though it may vary depending on the state and the insurance company. The insurance company may charge you this fee up front or add it to your policy premium.

Learn More: How Much Is Car Insurance? Average Costs

Cheapest companies for SR-22 insurance in Indiana

Needing an SR-22 may increase your insurance premiums. But it’s still possible to find cheap car insurance, even with an SR-22 requirement. For example, Elephant offers policies starting at $118 a month.

Insurance CompanyAverage Monthly Quote
National General$125
Kemper Specialty$133
Direct Auto$157
Bristol West$192
The General$202
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest insurance companies in Indiana with SR-22 by city

The cost of car insurance with an SR-22 may also vary by city. For example, a policy from Direct Auto costs $20 more in Indianapolis than in Fort Wayne.

CityInsurance CompanyAverage Monthly Quote
Fort WayneDirect Auto$161
Fort WayneDairyland$203
Fort WayneBristol West$204
IndianapolisKemper Speciality$126
IndianapolisDirect Auto$181
IndianapolisBristol West$211
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

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How SR-22 insurance affects driving record and future rates in Indiana

Unfortunately, SR-22 insurance can significantly increase your monthly car insurance premiums. But according to Cunningham, that has more to do with the underlying offense than it does with the requirement for an SR-22 certificate.

“Typically, the insurance company charges you the court filing fee but does not increase insurance rates due to the SR-22 requirement,” Cunningham says. “Rather, it’s the driving offense that leads to the SR-22 requirement that increases premiums.”

Let’s say you get a DUI in Indiana and qualify for specialized driving privileges. You’ll be required to submit an SR-22 to maintain those driving privileges. Your insurance company will pass along the fee to file the form.

But the bigger impact on your insurance costs will be the DUI itself. While the average increase in insurance premiums after a DUI varies depending on where you live and your other circumstances, the average increase nationwide is about $264 per month, according to Insurify data.

Luckily, you still have a few ways to save money on insurance:[3]

  • Shop around for coverage. The quotes you get for SR-22 insurance could vary significantly from one company to the next. Make sure to shop around with several companies to make sure you’re getting the best premium.

  • Take advantage of discounts. Most insurance companies offer discounts for everything from bundling your policies to driving a new car to paying your premiums up front.

  • Raise your deductible. The higher your deductible — meaning the out-of-pocket amount you’re responsible for paying after you file a claim — the lower your premium. Just make sure to set your deductible at an amount you can afford if you’re in an accident and need to file a claim.

  • Drive safely. While driving safely won’t eliminate your requirement for an SR-22, it will keep your premiums from increasing even more and can help lower them in the future.

Indiana SR-22 insurance FAQs

SR-22 requirements can be confusing, especially since they vary from state to state. Below, you’ll find a bit more information about SR-22 requirements in Indiana.

  • How long do you have to hold an SR-22 in Indiana?

    If you need an SR-22 for an insurance violation, you’ll be required to maintain it for 180 days. If you need an SR-22 due to specialized driving privileges, you’ll need to maintain it until the end of your suspension period.

  • How do you get rid of an SR-22 in Indiana?

    The only way to get rid of an SR-22 in Indiana is to maintain it for the full amount of time required by law. Once that amount of time has passed, you can contact your insurance company and let it know your SR-22 period is over.

  • What happens to your SR-22 in Indiana if you move?

    If you’re required to have an SR-22 certificate in Indiana and you move to another state, you’re generally still held to the same requirement. You may need to maintain your SR-22 filing in Indiana and also file an SR-22 in your new state of residence.

  • Do you need an SR-22 in Indiana if you don’t have a car?

    Even if you don’t own a car, you may still need an SR-22 certificate in Indiana. The state requires that drivers hold SR-22 insurance to regain their driving privileges, regardless of whether they have a car. If you don’t own a car but wish to reinstate your driving privileges, you can purchase nonowner SR-22 insurance.


  1. Indiana Bureau of Motor Vehicles. "Points, Suspension, and Insurance Requirements." Accessed April 17, 2023
  2. "Driving Privileges." Accessed April 17, 2023
  3. Insurance Information Institute. "How to save money on car insurance." Accessed April 17, 2023
Erin Gobler
Erin Gobler

Erin Gobler is a personal finance writer and journalist based in Madison, Wisconsin. With more than five years of experience, Erin has covered topics such as investing, credit cards, mortgages, insurance, and more. Her work has been featured in major publications like Business Insider, Fox Business, and Time. Erin received her bachelor’s degree from the University of Wisconsin-Oshkosh in 2013, studying journalism and political science. She also received a certificate of financial planning from Boston University in 2022.

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