Cheap SR-22 Insurance in Indiana (2024)

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.

Erin Gobler
Written byErin Gobler
Erin Gobler
Erin Gobler
  • 5+ years of finance writing experience 

  • Certificate of financial planning from Boston University

Erin is a personal finance writer and journalist with work featured in major publications. Her writing explores investing, credit cards, mortgages, insurance, and more.

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Ashley Cox
Edited byAshley Cox
Headshot of Managing Editor Ashley Cox
Ashley CoxSenior Managing Editor
  • 7+ years in content creation and management

  • 5+ years in insurance and personal finance content

Ashley is a seasoned personal finance editor who’s produced a variety of digital content, including insurance, credit cards, mortgages, and consumer lending products.

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Updated May 28, 2024

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Cheapest recent rates in Indiana

Drivers in and around Indiana have found policies from GEICO, GAINSCO, Dairyland, and more, through Insurify in the last few days.

*Quotes generated for Insurify users from Indiana within the last 10 days. Last updated on May 28, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from May 28, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users from Indiana within the last 10 days. Last updated on May 28, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from May 28, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

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, Auto-Owners offers policies starting at $35 a month.

The below rates are estimated rates current as of: Thursday, May 16 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote: Liability OnlyIQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
Auto-Owners334.3
State Farm354.6
USAA374.7
GEICO394.4
American Family514.5
Clearcover573.4
Progressive654.2
Travelers704.5
National General723.4
Farmers724.2
Dairyland783.5
Allstate834.4
Direct Auto833.6
Midvale Home & Auto844.0
Nationwide914.4
GAINSCO943.7
Elephant974.1
The General973.6
Safeco974.2
Liberty Mutual1003.9
CSAA1053.8
Bristol West1162.6
Foremost1393.7
AssuranceAmerica1552.7
State Auto1724.2
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 GEICO costs $9 more per month in Indianapolis than in Lafayette.

The below rates are estimated rates current as of: Thursday, May 23 at 12:00 PM PDT
City NameInsurance CompanyAverage Monthly Quote: Liability Only
ElkhartAuto-Owners29
MuncieAuto-Owners29
Terre HauteAuto-Owners29
LafayetteAuto-Owners31
ElkhartState Farm32
MuncieState Farm32
South BendAuto-Owners32
Terre HauteState Farm32
ElkhartUSAA33
LafayetteState Farm33
MuncieUSAA33
Terre HauteUSAA33
EvansvilleAuto-Owners34
Fort WayneAuto-Owners34
LafayetteUSAA34
South BendState Farm34
ElkhartGEICO35
MuncieGEICO35
South BendUSAA35
Terre HauteGEICO35
EvansvilleState Farm37
Fort WayneState Farm37
LafayetteGEICO37
EvansvilleUSAA38
Fort WayneUSAA38
IndianapolisAuto-Owners38
South BendGEICO38
EvansvilleGEICO40
IndianapolisState Farm40
Fort WayneGEICO42
IndianapolisUSAA42
IndianapolisGEICO44
ElkhartAmerican Family46
MuncieAmerican Family46
Terre HauteAmerican Family46
LafayetteAmerican Family48
South BendAmerican Family49
ElkhartClearcover53
EvansvilleAmerican Family53
MuncieClearcover53
Terre HauteClearcover53
Fort WayneAmerican Family54
LafayetteClearcover54
South BendClearcover56
ElkhartProgressive57
Terre HauteProgressive57
IndianapolisAmerican Family59
MuncieProgressive59
EvansvilleClearcover60
LafayetteProgressive60
Fort WayneClearcover61
ElkhartTravelers62
South BendProgressive62
Terre HauteTravelers62
MuncieTravelers64
ElkhartFarmers65
ElkhartNational General65
LafayetteTravelers65
MuncieFarmers65
MuncieNational General65
Terre HauteFarmers65
Terre HauteNational General65
EvansvilleProgressive66
IndianapolisClearcover66
LafayetteFarmers67
LafayetteNational General67
South BendTravelers67
Fort WayneProgressive68
ElkhartDairyland70
South BendFarmers70
South BendNational General70
Terre HauteDairyland70
EvansvilleTravelers71
MuncieDairyland71
LafayetteDairyland72
ElkhartDirect Auto73
EvansvilleFarmers73
EvansvilleNational General73
Fort WayneTravelers73
IndianapolisProgressive73
Terre HauteDirect Auto73
ElkhartAllstate75
MuncieDirect Auto75
Terre HauteAllstate75
Fort WayneFarmers76
Fort WayneNational General76
LafayetteDirect Auto76
MuncieAllstate76
South BendDairyland76
ElkhartMidvale Home & Auto77
LafayetteAllstate77
MuncieMidvale Home & Auto77
Terre HauteMidvale Home & Auto77
South BendDirect Auto78
EvansvilleDairyland79
IndianapolisTravelers79
LafayetteMidvale Home & Auto79
South BendAllstate79
ElkhartNationwide81
Terre HauteNationwide81
Fort WayneDairyland82
IndianapolisFarmers82
IndianapolisNational General82
MuncieNationwide82
South BendMidvale Home & Auto82
EvansvilleDirect Auto83
LafayetteNationwide83
EvansvilleAllstate84
ElkhartGAINSCO86
Fort WayneDirect Auto86
Terre HauteGAINSCO86
ElkhartElephant87
ElkhartSafeco87
ElkhartThe General87
EvansvilleMidvale Home & Auto87
Fort WayneAllstate87
MuncieElephant87
MuncieGAINSCO87
MuncieSafeco87
MuncieThe General87
South BendNationwide87
Terre HauteElephant87
Terre HauteSafeco87
Terre HauteThe General87
LafayetteGAINSCO88
ElkhartLiberty Mutual89
Fort WayneMidvale Home & Auto89
IndianapolisDairyland89
LafayetteElephant89
LafayetteSafeco89
LafayetteThe General89
Terre HauteLiberty Mutual89
MuncieLiberty Mutual91
ElkhartCSAA92
EvansvilleNationwide92
South BendGAINSCO92
Terre HauteCSAA92
IndianapolisDirect Auto93
LafayetteLiberty Mutual93
MuncieCSAA93
South BendElephant93
South BendSafeco93
South BendThe General93
IndianapolisAllstate94
Fort WayneNationwide95
LafayetteCSAA95
EvansvilleGAINSCO97
IndianapolisMidvale Home & Auto97
South BendLiberty Mutual97
EvansvilleElephant99
EvansvilleSafeco99
EvansvilleThe General99
South BendCSAA99
Fort WayneGAINSCO100
Fort WayneElephant102
Fort WayneSafeco102
Fort WayneThe General102
ElkhartBristol West103
EvansvilleLiberty Mutual103
IndianapolisNationwide103
Terre HauteBristol West103
MuncieBristol West104
EvansvilleCSAA105
Fort WayneLiberty Mutual105
LafayetteBristol West106
Fort WayneCSAA108
IndianapolisGAINSCO108
IndianapolisElephant110
IndianapolisSafeco110
IndianapolisThe General110
South BendBristol West110
IndianapolisLiberty Mutual114
IndianapolisCSAA116
EvansvilleBristol West117
Fort WayneBristol West120
ElkhartForemost125
Terre HauteForemost125
MuncieForemost126
LafayetteForemost128
IndianapolisBristol West131
South BendForemost135
ElkhartAssuranceAmerica139
Terre HauteAssuranceAmerica139
MuncieAssuranceAmerica141
EvansvilleForemost142
LafayetteAssuranceAmerica143
Fort WayneForemost146
South BendAssuranceAmerica149
ElkhartState Auto154
Terre HauteState Auto154
MuncieState Auto157
EvansvilleAssuranceAmerica158
IndianapolisForemost158
LafayetteState Auto159
Fort WayneAssuranceAmerica163
South BendState Auto166
EvansvilleState Auto176
IndianapolisAssuranceAmerica176
Fort WayneState Auto181
IndianapolisState Auto196
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.

How much other Insurify users in Indiana pay

Recent Indiana car insurance prices for Nissan, Ford, Honda , and more.

*Quotes generated for Insurify users within the last 10 days. Last updated on May 28, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from May 28, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users within the last 10 days. Last updated on May 28, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from May 28, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

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.

Sources

  1. Indiana Bureau of Motor Vehicles. "Points, Suspension, and Insurance Requirements."
  2. Indiana.gov. "Driving Privileges."
  3. Insurance Information Institute. "How to save money on car insurance."
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.

Ashley Cox
Edited byAshley CoxSenior Managing Editor
Headshot of Managing Editor Ashley Cox
Ashley CoxSenior Managing Editor
  • 7+ years in content creation and management

  • 5+ years in insurance and personal finance content

Ashley is a seasoned personal finance editor who’s produced a variety of digital content, including insurance, credit cards, mortgages, and consumer lending products.

Featured in

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