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How to file for SR-22 insurance in Indiana

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

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Need help? Call (877) 959-5072 toll-free to speak to an SR-22 specialist.

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.

Our top pick: Progressive

Discover coverage that’s broader than competitors, valuable discounts up to 30% off and perks like shrinking deductibles that reward no claims.

  • Broad coverage, including for custom car parts or ridesharing
  • Transparent pricing tools that help you buy within budget
  • Accident forgiveness on small claims or for staying claim-free
  • Stack a variety of discounts for multiple cars, autopay or homeownership

Compare SR-22 car insurance in Indiana

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 Accident forgiveness Payment schedule States served
The General
Optional
12 months, monthly
All states except HI MA MI and NJ
Snag affordable coverage for high-risk drivers, a marketing claim backed by our rate analysis which showed premiums less than $80 a month.
Esurance
12 months, monthly
AL, AZ, AR, CA, CO, CT, FL, GA, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, NE, NV, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, WA, WV, WI
Take advantage of this online company's low base rates and mobile tools like app-based telematics and teen safe driver programs.
Elephant
Optional
monthly
IL, IN, MD, TN, TX, VA
Get a great deal online with steep discounts and some of the highest liability limits available.
SafeAuto
12 months, 6 months, Quarterly, monthly (fee applies)
AZ, CA, GA, IL, IN, KS, KY, LA, MD, MS, MO, OH, OK, PA, SC, TN, TX, VA
High-risk drivers can steer into savings from discounts and payment options like reduced premiums with a down payment.
EverQuote
EverQuote
Optional
12 months, 6 months, monthly, custom
All 50 states
Roll in a variety of car insurance quotes from top insurers despite a high-risk driving profile, and view possible discounts while you’re at it.
Farmers
12 months, custom, Monthly
All 50 states
Say hello to a local Farmers agent who can help you find the best savings from a long list of coverage options.
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Compare up to 4 providers

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.

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.

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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