Indiana SR-22 Insurance
An Indiana SR-22 insurance form must be filed by your car insurance company. One DUI can raise your auto insurance rates to $328 a month. Find cheap SR-22 insurance in Indiana by using our quote tool.
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Rachael Brennan
Licensed Auto Insurance Agent
Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health in...
Licensed Auto Insurance Agent
UPDATED: Dec 4, 2023
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Don’t Forget These Facts:
- High-risk drivers in Indiana may have to carry SR-22 insurance
- Indiana SR-22 insurance requirements are for drivers who are in violation, such as driving or in an accident without insurance
- Car insurance is much higher for drivers with poor driving history, such as accidents or DUIs
Indiana SR-22 insurance is required for high-risk drivers who meet certain requirements. Who must carry the insurance, the types of forms available, and how to file the form are defined by Indiana SR-22 laws.
If you have a clean driving record, you will save money and the hassle of having to file an SR-22 in Indiana. Because of the risk involved, it can be hard to find cheap SR-22 insurance. No matter what your driving record looks like, shopping around for car insurance will help you get the best coverage at the best price.
Enter your ZIP to compare Indiana sr-22 insurance quotes for cheap auto insurance for an SR-22 in Indiana. Keep reading to learn more about SR-22 car insurance in Indiana.
What is an SR-22 financial responsibility insurance certificate?
So what is SR-22 insurance in Indiana?
An Indiana SR-22 car insurance certificate, or financial responsibility insurance form, serves as proof that you are financially responsible for carrying the minimum amount of insurance on your vehicle as required by state law.
Six major factors affect car insurance rates in Indiana. Which auto insurance factors will impact SR-22 rates the most? Typically, that’s an IN DUI.
How much does SR-22 insurance cost in Indiana? It should be no surprise that your driving record influences your auto insurance rates. This table shows you your Indiana SR-22 insurance cost — see just how much your rates will go up with a ticket, accident, or DUI.
Indiana Average Annual Car Insurance Rates by Driving Record| Company | Average Annual Rates with Clean Record | Average Annual Rates with 1 Accident | Average Annual Rates with 1 DUI | Average Annual Rates with 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $3,175.58 | $4,665.22 | $4,301.12 | $3,777.03 |
| American Family | $2,536.03 | $4,041.92 | $5,117.20 | $3,020.98 |
| Farmers | $3,075.51 | $3,585.45 | $3,692.93 | $3,395.05 |
| GEICO | $1,483.91 | $2,335.58 | $3,162.96 | $2,060.50 |
| Liberty Mutual | $4,509.08 | $5,317.03 | $8,331.91 | $4,969.05 |
| Nationwide | $2,332.31 | $3,007.11 | $2,883.35 | $2,627.10 |
| Progressive | $2,920.42 | $5,121.94 | $3,485.71 | $4,063.99 |
| State Farm | $2,352.06 | $2,578.33 | $2,352.06 | $2,352.06 |
| Travelers | $2,882.59 | $3,562.38 | $4,036.63 | $3,092.54 |
| USAA | $1,231.12 | $1,752.37 | $2,010.62 | $1,526.13 |
With a clean driving record in Indiana, you’ll pay around $220 a month for car insurance. One DUI will raise those rates to about $328 a month. That’s an average extra $1,300 a year. Your rates will skyrocket if you have more than one infraction on your driving record.
A clean driving record will save you a lot of money in car insurance and fines. All Indiana SR-22 insurance companies will look at driving violations differently. If you do have dings on your record, make sure you shop around to find the cheapest auto insurance.
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Who needs SR-22 car insurance in Indiana?
Indiana SR-22 car insurance must be carried by drivers whose drivers’ licenses were revoked or suspended because they were driving or were in an accident while uninsured, drivers with unsatisfied judgments, or drivers whose driver’s licenses were revoked/suspended for other reasons.
Indiana high-risk insurance is designed to make sure a driver carries at least the minimum car insurance.
How long does an SR-22 stay on your insurance in Indiana? If an SR-22 form is required, you must keep it for three years if it is your first or second offense. If it is your third or more offense, you must keep the form for five years.
Different Types of Indiana SR-22 Forms
There are three types of Indiana SR-22 auto insurance coverage: Operator, Owner, and Operator-Owner.
- Operator covers financial responsibility for drivers who operate but do not own a car.
- Owner covers financial responsibility for drivers who own and operate a car.
- Operator-Owner covers financial responsibility for all vehicles owned or not owned by a driver.
Your particular situation will determine which form you will need to file. Your insurance agent will be able to help you file the correct form.
Indiana SR-22 Insurance Requirements
All motorists in Indiana are required by law to carry liability insurance or file an SR-22 with the Indiana Bureau of Motor Vehicles.
Failure to comply results in a $500 fine and suspension of your driver’s license and registration if you are stopped by a police offer during a traffic stop or in the event of an accident.
If you fail to maintain SR-22 insurance, your license will be suspended until you acquire the correct insurance, or until the time period that you need the SR-22 lapses.
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Filing an Indiana SR-22 Insurance Form
There are not many SR-22 insurance filing options. You have to ask your insurer to file an SR-22 form with the IN Bureau of Motor Vehicles. The insurance company will charge you a processing fee, which varies between agencies. You can request a quote from a state-authorized agency in your area.
The insurance company usually files the Indiana SR-22 auto insurance within 30 days of your request. If your filing is accepted, you will receive the SR-22 along with a letter from the Indiana Bureau of Motor Vehicles. The Indiana SR-22 insurance must be maintained for three years. Once you know that your SR-22 is up, then contact the car insurance company and have them remove any records of your SR-22 filing with the state.
Indiana SR-22 Insurance: The Bottom Line
If you’re convicted of a serious driving offense, including a DUI or hit and run, you may be required to purchase SR-22 insurance coverage for up to three years after your conviction. An SR-22 certificate confirms that you have enough insurance to meet the state’s minimum coverage liability insurance requirements. The auto insurance company will file the certificate for you, which usually costs about $50.
If you’re from Indiana, an SR-22 insurance policy will cost more than a standard auto insurance policy. Insurance companies view drivers with an insurance certificate and prior driving violations as higher risk and therefore charge more for their insurance.
No matter what, committing a major traffic offense and being hit with an SR-22 requirement will increase your car insurance costs greatly.
Compare auto insurance quotes to get the most bang for your buck. Enter your ZIP to find the best, cheapest SR-22 insurance Indiana has to offer.
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