How to file for SR-22 insurance in Indiana | finder.com

How to file for SR-22 insurance in Indiana

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If you’ve been caught drinking and driving or driving recklessly in Indiana you may be required to carry SR-22 insurance, or proof of financial responsibility.

SR-22 isn’t really insurance at all — it’s a form that proves to the state of Indiana that you carry the minimum car insurance required in the state. You have to file this form before your can get your license back.

Here’s what you need to know about obtaining and maintaining an SR-22 in Indiana.

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Find the best rates from insurance providers near you or learn more about state minimums and other requirements in the comprehensive guide to Indiana car insurance.

Name Product Roadside assistance New car protection Available states
Allstate
Included free
Yes, cars under 2 years old
All 50 states
Enjoy having your own dedicated agent to help you get the best discounts and coverage.
Liberty Mutual
Included free
Yes, cars under 1 year old & 15,000 miles
All 50 states
Car insurance through Liberty Mutual will give coverage options for almost any situation.
Root
Included free
No
AZ, AR, DE, IL, IN, IA, KY, LA, MD, MI, MS, MT, NM, ND, OH, OK, OR, PA, TX, UT
Root offers simple, affordable insurance that’s ideal for good drivers. Try the Root app for 2 weeks and see how much you could save. Available in 20 states.
Esurance
Optional
Yes, cars under 1 year old & 15,000 miles
All states except AK, DE, HI, MT, NH, VT, WY
Esurance offers a modern online and mobile experience that helps you take your insurance on the go. Available in 42 states.
Metromile
Optional
Yes, cars under 1 year old & 15,000 miles
CA, IL, NJ, OR, PA, VA, WA
Drive less than 30 miles a day? Save on the coverage you need with pay-per-mile insurance from Metromile. Get a low monthly rate then pay just a few cents per mile. Available in CA, IL, NJ, OR, PA, VA and WA.
USAA
Included free
No
All 50 states
USAA offers affordable car insurance with highly rated customer service to millions of military members and their families. Only available to military members, veterans and affiliated military members.

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Do I need SR-22 insurance in Indiana?

Your state DMV will let you know if you need to file an SR-22. Indiana law may require you to file an SR-22 if you’re driving privileges have been suspended for:

  • Any auto accident that results in a report being sent to the Bureau of Motor Vehicles (BMV).
  • A misdemeanor or felony traffic violation.
  • Three pointable moving violations within two years.
  • Insurance violations.

What if I don’t have a car or a license?

You still need to file an SR-22 if you want to get your license reinstated, even if you don’t own a car. Ask your insurance provider about non-owner or operator insurance policy.

What if I’m from another state?

If you have an SR-22 from another state, you must maintain it while driving in Indiana. Your SR-22 is likely to be sufficient in Indiana, but it’s best to verify coverage with the BMV and your insurer.

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How much does an SR-22 cost in Indiana?

Once you’ve purchased or renewed a policy, most providers will file an SR-22 for a fee of $20 to $50. One or more reinstatement fees may also be required once your filing period is up.
But the fees aren’t what’s expensive — your insurance premiums will rise.

The impact of an SR-22 on your car insurance rates

SR-22s are often required after a driving conviction, such as driving without insurance or a DUI. After such a conviction, you’re considered a “high risk” driver by the state and most providers — which typically results in higher insurance rates. Still, you’ll find providers out there that specialize in high-risk drivers.
Talk to your provider about how much you can expect your rates to increase.

Companies that offer SR-22 car insurance in Indiana

Not every insurer offers SR-22 filing support. Compare cheap rates from Indiana insurance companies that offer SR-22 insurance. Your actual quotes will vary based on your demographics, location, driving record and other factors.

Rates last updated October 20th, 2018
Company Median annual rate Learn more
Allstate $756 Read review
State Farm $182 Read review
Geico $1,344 Read review
Progressive $177 Read review
SafeAuto $622 Read review
Farmers $625 Read review
USAA $630 Read review
Average $619 Compare more reviews

How do I file an SR-22 in Indiana?

  1. Notify your insurer. If you already have car insurance, contact your agent and tell them you need an SR-22. They’ll file it on your behalf.
  2. Find an insurer. Not all providers will insure people required to file an SR-22. If your current provider doesn’t cover you, find someone who will.
  3. Pay the SR-22 fee. To finalize your SR-22, you’ll pay a processing fee to your insurer.
  4. Verify minimum liability coverage. Utah has a 25/50/25 minimum liability insurance requirement. If you’re already insured, call your provider to make sure your policy includes at least:
    • $25,000 for bodily injury or death of one person.
    • $50,000 for bodily injury or death of more than one person.
    • $25,000 for property damage.
  5. Submit your SR-22. In Indiana, your insurance provider must electronically file your SR22 form for you.

Find out how to get an SR-22 with top car insurance providers

How long will I need an SR-22 for in Indiana?

In Indiana, you’re required to maintain an SR-22 from three to five years.

Make sure you understand your role in maintaining your insurance and your SR-22. A lapse or nonrenewal could set you back a lot of money and time.

What happens if I let my SR-22 lapse?

If a lapse occurs at any point during the mandated three to five years your insurer will file an SR-26 with the state. When the BMV receives this report your license will be suspended until your SR-22 coverage is renewed or until the requirement period ends.

What happens when I don’t need SR-22 coverage anymore?

You must confirm with the BMV that your SR-22 period is up before you cancel your insurance. Once you’ve notified the BMV and paid any reinstatement fees, you may change your policy.

Bottom line

Three to five years of maintaining a filing can be a pain, but paying extra reinstatement fees and having your license suspended is an even bigger headache. Stay on top of your insurance payments and maintain a clean record during your filing period to avoid the extra hassle and cost.

With higher premiums, it’s even more important to shop around for insurance. Compare your options and find the policy that fits your budget and your needs.

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Compare the best car insurance companies near you.

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