4.8out of 3,000+ reviews

Indiana SR-22 Car Insurance (With Quotes)

Secure. Free. Easy-to-use.
Car Insurance
Mark Steinbach

By: Mark Steinbach

| Reviewed by licensed insurance agent, Amber Benka

Last Updated March 9, 2022

Why you can trust Insurify

Insurify partners with the best car insurance companies in the U.S. to provide a tailored car insurance comparison experience. To date, we've delivered over 26 million quotes from both national and regional companies to over 4 million customers. Check out reviews from over 3,000 satisfied customers, how we make money, how we get our data, our editorial standards, and a list of our partners.

Cheapest Companies for SR-22 Insurance in Indiana (2022)

For drivers with SR-22 in Indiana, it’s important that you evaluate all of your potential insurance options to ensure you are finding the best rate. Comparing the right insurance companies after this incident will allow you to get the best possible insurance rate after an SR-22.

To simplify comparing companies, Insurify has analyzed rates from top insurance providers in Indiana. The following are the best insurance rates from carriers that offer car insurance for drivers with an SR-22 in Indiana.

How Much Does SR-22 Insurance Cost in Indiana?

Filing an SR-22 comes with a fee of about $25, as well as any fees associated with reinstating your license. But the real cost comes in the form of higher car insurance rates because after your serious driving infraction, car insurance companies believe you are riskier to insure.

Thankfully, Indiana is one of the more affordable states to drive in: drivers with no violations on their record pay only $151 per month on average, which is in the lower half nationally. Drivers with an SR-22 pay an average of $163, which means in Indiana an SR-22 costs an extra $12 per month, an increase of eight percent.

Remember these are just averages, and rates can vary dramatically, so be sure to use a quote-comparison tool like Insurify to find the best rate.

No Violation - Avgerage Monthly Rate
With SR-22 - Average Monthly Rate
$12 ▴
7.95% ▴
Difference in Average Monthly Rate
Percent Change in Average Monthly Rate

Insurify's comparison tool will help you make sure you're getting the best possible quote even after an SR-22. You can have peace of mind that you're reviewing all of your available insurance options and can confidently choose the one that is best for your situation.

Compare Car Insurance Quotes Instantly

  • Personalized quotes in 5 minutes or less
  • No signup required

What Is an SR-22, and Who Needs One in Indiana?

When you earn yourself a major driving offense, such as a DUI, your state government will only reinstate your license after you receive an SR-22 form. This is an important document that your insurance company is in charge of filing. The SR-22 verifies to the state that you have at least bought minimum car insurance coverage and are paying your monthly premiums.

Not all car insurance companies will file SR-22 forms for drivers. And those that do might charge you high premiums, given your less-than-perfect driving history. That's why you'll need to do your research to find an insurance company willing to file this crucial form for you—then use quote comparison to find a rate that meets your budget.

How Much Does Credit Score Affect SR-22 Insurance Costs in Indiana?

In Indiana, it's legal for car insurance companies to factor in your credit score when determining your rates. As a result, having excellent credit when shopping for SR-22 coverage will likely lead to lower car insurance rates on average. SR-22 drivers with average, good, or poor credit scores pay between $38 and $42 more than people with similar credit, while SR-22 drivers with excellent credit see their rates increase $34 compared to normal.

Credit TierAvg. Monthly Rate - No Violation Avg. Monthly Rate - SR-22 Difference

How to Find the Best SR-22 Insurance Rate in Indiana

Before you hit the road in Indiana, you'll want to make sure you're paying a fair price for car insurance. While driving with an SR-22 can make finding affordable car insurance a bit harder, browsing a wide range of car insurance options can go a long way. That's where Insurify comes in, putting a diverse set of car insurance quotes all in one place so that you can quickly find insurance that meets your budget and needs as a driver with an SR-22.

Non-Owner SR-22 Insurance in Indiana

Maybe you're working on getting your driver's license back, but you don't yet own a car. Do you still need SR-22 insurance? Ultimately, you do, though keep in mind that this policy will be much cheaper than SR-22 policies for drivers who own a car that they drive regularly. A non-owner SR-22 insurance policy helps you meet the legal requirements needed to drive but is designed for drivers who don't own a car.

Alternatives to an SR-22 in Indiana

When a driver has an SR-22, they're proving to the state that they have the financial means to cover any potential damages on the road. Indiana doesn't offer an alternative proof of financial responsibility, so if you don't want to deal with the SR-22 process, you'll have to wait out the three to five years until you can get your license back.

How Do I Get SR-22 Insurance in Indiana

You can't just go to any insurance company looking for SR-22 insurance. Some don't even offer such policies, while others will—but at sky-high prices. To get the full lay of the land and find the best policy at the best price, you'll want to use Insurify, where comprehensive quote comparison is fast and free.

Frequently Asked Questions

  • Indiana drivers need an SR-22 for three to five years, depending on the severity of the offense and whether this offense is committed repeatedly.

  • If you move out of Indiana, your SR-22 will follow you to the new state. This even applies if the new state is one of the few that don't require an SR-22. So don't move to a non-SR-22 state and expect to get out of this requirement.

  • If you don't have a car in Indiana but still plan on driving, you'll want a non-owner SR-22 insurance policy. This still meets the legal requirements of an SR-22 but doesn't saddle you with high premiums, because you won't be on the road as regularly as a car owner.

    Top Auto Insurance Companies

Compare Top Auto Insurance Companies

Use Insurify for all of your car insurance comparison needs! Compare and connect directly with the top insurance companies to find the best rates as well as the most personalized discounts and coverage options. Insurify’s network includes over 200 insurance companies throughout the U.S. who can work with you to get you the right auto insurance policy at the cheapest price. See All Auto Insurance Companies

Compare Car Insurance Quotes Instantly

  • Personalized quotes in 5 minutes or less
  • No signup required


The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.

Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews. 

With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.

Mark Steinbach
Mark Steinbach

Content Writer at Insurify

Mark Steinbach is a writer based in Brooklyn, NY. In addition to his years of work as a copywriter, he is also a TV writer with a degree in English from Harvard University. When he isn't writing, he can be found playing tennis or doing crossword puzzles.

Learn More