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
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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
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Mark Friedlander
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Mark FriedlanderDirector, Corporate Communications, Triple-I
  • 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 September 1, 2024

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Cheapest recent rates in Indiana for drivers with an SR-22

Recent Indiana car insurance prices for KIA, Dodge, Chrysler , and more.

*Quotes generated for Insurify users from Indiana within the last 10 days. Last updated on September 1, 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 September 1, 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 September 1, 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 September 1, 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 if you're convicted of driving under the influence (DUI), you'll need the form for three years.

  • 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 and the type of infraction. 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. For a DUI conviction, you'll need to have an SR-22 certificate for three years.

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 of $25 to $50 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. The insurance company may charge you this fee up front or add it to your policy premium.

What Is SR-22 Insurance, and Who Needs It?

What Is SR-22 Insurance, and Who Needs It?

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: Sunday, September 1 at 12:00 PM PDT
Insurance Company
Average Monthly Quote: Liability Only
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
Auto-Owners$329
State Farm$349
USAA$369
GEICO$379
American Family$509
Clearcover$567
Progressive$638
Travelers$679
Farmers$708
Direct Auto$767
Root$768
Dairyland$777
National General$787
Allstate$809
Nationwide$889
CSAA$918
The General$947
Elephant$978
Liberty Mutual$998
Safeco$998
GAINSCO$1027
Bristol West$1095
Foremost$1327
AssuranceAmerica$1495
State Auto$1669
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: Sunday, September 1 at 12:00 PM PDT
City Name
Insurance Company
Average Monthly Quote: Liability Only
LafayetteAuto-Owners$29
MuncieAuto-Owners$29
Terre HauteAuto-Owners$29
ElkhartAuto-Owners$30
South BendAuto-Owners$30
LafayetteState Farm$32
MuncieState Farm$32
Terre HauteState Farm$32
ElkhartState Farm$33
EvansvilleAuto-Owners$33
Fort WayneAuto-Owners$33
South BendState Farm$33
LafayetteUSAA$34
MuncieUSAA$34
Terre HauteUSAA$34
ElkhartUSAA$35
EvansvilleState Farm$35
Fort WayneState Farm$35
LafayetteGEICO$35
MuncieGEICO$35
South BendUSAA$35
Terre HauteGEICO$35
ElkhartGEICO$36
IndianapolisAuto-Owners$36
South BendGEICO$36
EvansvilleUSAA$37
Fort WayneUSAA$37
EvansvilleGEICO$39
Fort WayneGEICO$39
IndianapolisState Farm$39
IndianapolisUSAA$41
IndianapolisGEICO$42
LafayetteAmerican Family$47
MuncieAmerican Family$47
Terre HauteAmerican Family$47
South BendAmerican Family$48
ElkhartAmerican Family$49
EvansvilleAmerican Family$51
LafayetteClearcover$51
MuncieClearcover$51
Terre HauteClearcover$51
Fort WayneAmerican Family$53
South BendClearcover$54
ElkhartClearcover$55
EvansvilleClearcover$57
IndianapolisAmerican Family$57
Fort WayneClearcover$59
LafayetteProgressive$59
MuncieProgressive$59
Terre HauteProgressive$59
South BendProgressive$60
ElkhartProgressive$61
LafayetteTravelers$62
MuncieTravelers$62
Terre HauteTravelers$62
South BendTravelers$63
ElkhartTravelers$64
IndianapolisClearcover$64
EvansvilleProgressive$66
LafayetteFarmers$66
MuncieFarmers$66
Terre HauteFarmers$66
Fort WayneProgressive$67
LafayetteNational General$67
MuncieNational General$67
South BendFarmers$67
Terre HauteNational General$67
ElkhartFarmers$68
EvansvilleTravelers$69
LafayetteDairyland$69
MuncieDairyland$69
South BendNational General$69
Terre HauteDairyland$69
ElkhartNational General$70
Fort WayneTravelers$70
LafayetteDirect Auto$71
MuncieDirect Auto$71
South BendDairyland$71
Terre HauteDirect Auto$71
ElkhartDairyland$73
EvansvilleFarmers$73
IndianapolisProgressive$73
Fort WayneFarmers$74
LafayetteAllstate$74
MuncieAllstate$74
South BendDirect Auto$74
Terre HauteAllstate$74
ElkhartDirect Auto$75
EvansvilleNational General$75
Fort WayneNational General$76
IndianapolisTravelers$76
South BendAllstate$76
ElkhartAllstate$77
EvansvilleDairyland$77
Fort WayneDairyland$78
EvansvilleDirect Auto$80
IndianapolisFarmers$80
Fort WayneDirect Auto$81
LafayetteNationwide$81
MuncieNationwide$81
Terre HauteNationwide$81
EvansvilleAllstate$82
Fort WayneAllstate$83
IndianapolisNational General$83
South BendNationwide$83
ElkhartNationwide$85
IndianapolisDairyland$85
LafayetteThe General$85
MuncieThe General$85
Terre HauteThe General$85
LafayetteElephant$87
MuncieElephant$87
Terre HauteElephant$87
IndianapolisDirect Auto$88
South BendThe General$88
LafayetteGAINSCO$89
LafayetteLiberty Mutual$89
LafayetteSafeco$89
MuncieGAINSCO$89
MuncieLiberty Mutual$89
MuncieSafeco$89
South BendElephant$89
Terre HauteGAINSCO$89
Terre HauteLiberty Mutual$89
Terre HauteSafeco$89
ElkhartThe General$90
EvansvilleNationwide$90
ElkhartElephant$91
IndianapolisAllstate$91
LafayetteCSAA$91
MuncieCSAA$91
South BendGAINSCO$91
South BendLiberty Mutual$91
South BendSafeco$91
Terre HauteCSAA$91
Fort WayneNationwide$92
ElkhartGAINSCO$94
ElkhartLiberty Mutual$94
ElkhartSafeco$94
South BendCSAA$94
EvansvilleThe General$95
ElkhartCSAA$96
EvansvilleElephant$96
Fort WayneThe General$97
EvansvilleGAINSCO$98
EvansvilleLiberty Mutual$98
EvansvilleSafeco$98
Fort WayneElephant$98
EvansvilleCSAA$101
Fort WayneGAINSCO$101
Fort WayneLiberty Mutual$101
Fort WayneSafeco$101
IndianapolisNationwide$101
LafayetteBristol West$102
MuncieBristol West$102
Terre HauteBristol West$102
Fort WayneCSAA$103
IndianapolisThe General$105
South BendBristol West$105
ElkhartBristol West$106
IndianapolisElephant$106
IndianapolisGAINSCO$109
IndianapolisLiberty Mutual$109
IndianapolisSafeco$109
IndianapolisCSAA$112
EvansvilleBristol West$114
Fort WayneBristol West$115
LafayetteForemost$123
MuncieForemost$123
Terre HauteForemost$123
IndianapolisBristol West$125
South BendForemost$128
ElkhartForemost$130
EvansvilleForemost$137
LafayetteAssuranceAmerica$138
MuncieAssuranceAmerica$138
Terre HauteAssuranceAmerica$138
Fort WayneForemost$139
South BendAssuranceAmerica$142
ElkhartAssuranceAmerica$144
IndianapolisForemost$152
EvansvilleAssuranceAmerica$153
LafayetteState Auto$153
MuncieState Auto$153
Terre HauteState Auto$153
Fort WayneAssuranceAmerica$156
South BendState Auto$158
ElkhartState Auto$161
IndianapolisAssuranceAmerica$170
EvansvilleState Auto$171
Fort WayneState Auto$174
IndianapolisState Auto$190
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 recent rates in Indiana for drivers with an SR-22

Recent Indiana car insurance prices for Toyota, KIA, Jeep , and more.

*Quotes generated for Insurify users within the last 10 days. Last updated on September 1, 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 September 1, 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 September 1, 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 September 1, 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 comprehensive or collision 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. Also, keep in mind that liability coverage has no deductible.

  • 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. And if you've been convicted of a DUI, you'll need an SR-22 for three years. Keep in mind that regardless of how long the state requires you to have an SR-22, your car insurance can increase for three to five years as insurers will classify you as a high risk driver.

  • 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. But if you violate the terms of the SR-22 during the required timeframe, the clock resets and you'll end up needing one even longer.

  • 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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Mark Friedlander
Reviewed byMark FriedlanderDirector, Corporate Communications, Triple-I
Mark Friedlander
Mark FriedlanderDirector, Corporate Communications, Triple-I
  • 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.

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