SR-22 Insurance in Indiana: Cost, Requirements, and Cheapest Companies
The average cost of SR-22 coverage in Indiana is $80 per month for a liability-only policy and $159 for full coverage.
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Writer: Jessica MartelInsurance Writer
Writer: Jessica MartelInsurance Writer
Qualifications:
7+ years in personal finance writing
Certified Financial Education Instructor
Jessica is a freelance writer, professional researcher, and mother of two rambunctious little boys. Her work has appeared in Time’s Stamped personal finance marketplace, Consumer Affairs, Forbes Advisor, Money Under 30 and more.
Jessica specializes in personal finance, women and money, and financial literacy. Jessica is fascinated by the psychology of money and what drives people to make important financial decisions. As an Insurify contributor since July 2023, she’s written hundreds of articles aimed at helping readers make informed decisions about insurance.
She holds a Masters of Science degree in Cognitive Research Psychology, and is a National Financial Educators Council Certified Financial Education Instructor.
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Editor: John LeachLicensed P&C Agent, Chief Copy Editor
Editor: John LeachLicensed P&C Agent, Chief Copy Editor
Qualifications:
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
John is Insurify’s Chief Copy Editor, helping ensure the accuracy and readability of Insurify’s content. He’s a licensed agent specializing in home and car insurance topics.
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Reviewer: Mark FriedlanderSenior Director, Media Relations, Insurance Information Institute
Reviewer: Mark FriedlanderSenior Director, Media Relations, Insurance Information Institute
Qualifications:
Media relations director for Insurance Information Institute
20+ years in insurance and communications
Impartial, independent expert
As Senior Director, Media Relations, for Insurance Information Institute, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.
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Quick Facts
An SR-22 certificate demonstrates that you meet the minimum insurance requirements in Indiana.
The average cost of insurance for Indiana drivers with an SR-22 is $119 per month, according to Insurify data.
Drivers with suspended licenses for driving without insurance or failing to provide proof of insurance with the Indiana Bureau of Motor Vehicles (BMV) may need SR-22 coverage.
SR-22 requirements in Indiana
An SR-22 is a certificate of financial responsibility. It demonstrates that you have an insurance policy that meets Indiana’s minimum-coverage requirements, which include $25,000 for bodily injury per person and $50,000 per accident, and $25,000 for property damage liability.[1]
If you lose your license due to a traffic offense or an insurance violation, Indiana law may require you to hold an SR-22 form before you can regain your driving privileges.
In Indiana, you must maintain consistent coverage for as long as the SR-22 requirement is in effect. This can range from 180 days to three or five years, depending on why you need an SR-22. If there’s a lapse or cancellation of your coverage, the Indiana BMV will suspend your driving privileges.
SR-22 Insurance | Indiana Requirement |
|---|---|
| Minimum liability limit | 25/50/25 |
| Filing fee | $15–$50 |
| Duration | 180 days to five years |
| Policy lapses | You face resuspension |
| No-insurance reinstatement fees (in addition to any SR-22 requirement) | First suspension: $250 Second suspension: $500 Third suspension: $1,000 |
Find SR-22 Insurance in Indiana
Liability policies average $80/mo. for Indiana drivers who need SR-22s
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How much is SR-22 insurance in Indiana?
The average cost of car insurance for Indiana drivers with an SR-22 is $80 per month for a liability-only policy and $159 for full coverage. These premiums are significantly higher than average auto insurance rates for Indiana drivers with a clean driving record.
If you require an SR-22, insurers may view you as a high-risk driver, resulting in higher insurance premiums.
Factors such as the severity of the traffic violation, your past driving history, and the insurer you choose can affect the cost of coverage.
The following table highlights the average monthly liability costs for Indiana drivers with different driving profiles, according to Insurify data.
Driver Profile | Average Monthly Cost: Liability Only | Average Monthly Cost: Full Coverage |
|---|---|---|
| Clean record | $64 | $128 |
| With SR-22 | $80 | $159 |
Disclaimer: Table data is based on real-time Indiana quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
Cheapest companies for SR-22 insurance in Indiana
The cheapest car insurance company for SR-22 coverage in Indiana is Auto-Owners, with an average monthly liability rate of $42.
To find cheap car insurance with an SR-22 requirement in Indiana, compare insurance quotes from multiple insurance companies in the table below.
The below rates in Indiana are estimated rates current as of: Wednesday, September 30 at 5:00 PM PDT.
Insurance Company | Liability Only | Full Coverage |
|---|---|---|
| Auto-Owners | $42 | $78 |
| State Farm | $44 | $83 |
| USAA | $47 | $87 |
| Progressive | $51 | $91 |
| First Chicago | $52 | $136 |
| GEICO | $52 | $98 |
| National General | $58 | $144 |
| Allstate | $65 | $124 |
| Direct Auto | $65 | $129 |
| American Family | $66 | $123 |
| First Acceptance | $72 | $165 |
| Safeco | $72 | $105 |
| The General | $73 | $179 |
| AssuranceAmerica | $75 | $139 |
| Trexis | $77 | $190 |
| Root | $78 | $129 |
| Dairyland | $80 | $246 |
| GAINSCO | $80 | $213 |
| Trexis One | $80 | $208 |
| Travelers | $88 | $164 |
| Elephant | $91 | $151 |
| Farmers | $91 | $170 |
| Liberty Mutual | $91 | $159 |
| Mendota | $96 | $199 |
| Bristol West | $100 | $193 |
| CSAA | $124 | $198 |
| State Auto | $219 | $407 |
Disclaimer: Table data sourced from real-time Indiana car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Indiana may vary based on the policy buyer's unique driver profile.
When do you need SR-22 insurance in Indiana?
Indiana law requires you to file an SR-22 certificate if the BMV suspended your driver’s license for driving without insurance or failing to provide proof of insurance. Failure to file an SR-22 form will result in the continuation of your license suspension.[2]
Some common reasons you might require an SR-22 certificate in Indiana include:
Driving without insurance
Failure to provide insurance to the BMV
Court-ordered suspensions
Causing an accident while uninsured
Indiana drivers who operate a vehicle without minimum liability coverage are subject to license suspension and no-insurance reinstatement fees. Fees are $250 for the first offense, $500 for the second offense, and $1,000 for third and subsequent offenses.
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How to get SR-22 insurance in Indiana
If you need to get an SR-22 certificate in Indiana, follow these steps:
Speak to your insurer. Call your insurer to ask if it can file an SR-22 certificate on your behalf. Some insurers don’t insure high-risk drivers or offer SR-22 filings.
Compare insurance companies. If your current insurer doesn’t offer SR-22 coverage, compare companies to find one that offers affordable coverage and will file an SR-22.
Purchase a policy. Once you find an insurer, purchase a car insurance policy that meets Indiana’s minimum liability requirements of 25/50/25.
Request an SR-22 filing. Ask your insurer to electronically file your SR-22 form with the BMV.
Maintain coverage. You must maintain coverage for as long as the SR-22 requirement is in effect. If you cancel coverage during this period, the state may suspend your license.
How long does Indiana require SR-22 insurance?
How long you need to maintain an SR-22 in Indiana depends on why the state requires you to have it. At a minimum, you’ll need to maintain continuous coverage for 180 days, but requirements can range up to five years.
If you have a lapse in coverage or cancel your policy during the required period, you might face license suspension and reinstatement fees ranging from $250 to $1,000.
Common barriers to getting an SR-22 certificate in Indiana include finding an insurance company that files these forms and the increased insurance cost due to your high-risk status.
Indiana SR-22 insurance FAQs
For more information about SR-22 car insurance in Indiana, check out answers to some of our most commonly asked questions.
How much is SR-22 insurance in Indiana per month?
The average monthly cost of car insurance for Indiana drivers with an SR-22 policy is $80 for liability-only coverage and $159 for a full-coverage policy, according to Insurify data.
What are the requirements for SR-22s in Indiana?
If you require an SR-22 form in Indiana, you must carry the state’s minimum liability insurance coverage of 25/50/25.
Your insurance company needs to electronically file the SR-22 with the Indiana Bureau of Motor Vehicles (BMV), and you must maintain consistent coverage for as long as the SR-22 requirement is in effect. A lapse or cancellation of coverage can result in resuspension of your license.
How do you file for an SR-22 in Indiana?
You don’t file for an SR-22 in Indiana. Your insurance company is responsible for electronically filing an SR-22 certificate with the Indiana BMV on your behalf.
How long do you need to maintain an SR-22 in Indiana?
How long you need to maintain an SR-22 in Indiana depends on why you have to have it. If a law enforcement officer catches you driving without insurance, you typically need to maintain SR-22 coverage for a minimum of 180 consecutive days. Other traffic violations can require you to maintain SR-22 coverage for up to five years.[3]
Sources
- Indiana Bureau of Motor Vehicles. "Proof of Financial Responsibility."
- IN.gov. "Points, Suspension, and Insurance Requirements."
- Indiana Bureau of Motor Vehicles. "How to Read an Indiana Bureau of Motor Vehicles (BMV) Official Driver Record."
Methodology
Insurify data scientists analyzed more than 250 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 500+ 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
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Writer: Jessica MartelInsurance Writer
Writer: Jessica MartelInsurance Writer
Qualifications:
7+ years in personal finance writing
Certified Financial Education Instructor
Jessica is a freelance writer, professional researcher, and mother of two rambunctious little boys. Her work has appeared in Time’s Stamped personal finance marketplace, Consumer Affairs, Forbes Advisor, Money Under 30 and more.
Jessica specializes in personal finance, women and money, and financial literacy. Jessica is fascinated by the psychology of money and what drives people to make important financial decisions. As an Insurify contributor since July 2023, she’s written hundreds of articles aimed at helping readers make informed decisions about insurance.
She holds a Masters of Science degree in Cognitive Research Psychology, and is a National Financial Educators Council Certified Financial Education Instructor.
Editor: John LeachLicensed P&C Agent, Chief Copy Editor
Editor: John LeachLicensed P&C Agent, Chief Copy Editor
Qualifications:
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
John is Insurify’s Chief Copy Editor, helping ensure the accuracy and readability of Insurify’s content. He’s a licensed agent specializing in home and car insurance topics.
Reviewer: Mark FriedlanderSenior Director, Media Relations, Insurance Information Institute
Reviewer: Mark FriedlanderSenior Director, Media Relations, Insurance Information Institute
Qualifications:
Media relations director for Insurance Information Institute
20+ years in insurance and communications
Impartial, independent expert
As Senior Director, Media Relations, for Insurance Information Institute, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.