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

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.

  • Save 3-8% for switching
  • High risk drivers welcome
  • Minimum & SR-22 coverage

Our top pick: SafeAuto

Known for providing insurance to high-risk customers who may have trouble finding coverage elsewhere, SafeAuto offers a lot of different discounts, from those for homeowners to good drivers.

  • Supports high-risk policyholders
  • Many discounts available
  • Multiple payment options including money transfers

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 SR-22 Nonowner policy Payment schedule States served
Yes
Yes
12 months, monthly
AL, AK, AZ, AR, CA, CO, CT, DE, DC, FL, GA, ID, IL, IN, IA, KS, KY, LA, ME, MD, MN, MS, MO, MT, NE, NV, NH, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, WV, WI, WY
The General offers affordable coverage for nearly any driver who needs car insurance.
Yes
No
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
Esurance offers a modern online and mobile experience that helps you take your insurance on the go. Available in 42 states.
Yes
monthly
IL, IN, MD, TN, TX, VA
Elephant Insurance offers low-cost auto insurance with big discounts. Breaking from the national herd could save up to 40% off your current car insurance.
Yes
Yes
12 months, 6 months, monthly (fee applies)
AZ, GA, IL, IN, KS, KY, LA, MS, MO, OH, OK, PA, SC, TN, TX, VA
Known for providing insurance to high-risk customers who may have trouble finding coverage elsewhere, SafeAuto offers a lot of different discounts, from those for homeowners to good drivers.
Yes
Yes
custom
AL, AZ, AR, CA, CO, CT, DE, FL, ID, IL, IN, IA, KS, KY, ME, MD, MN, MS, MO, NE, NV, NM, NC, OH, OR, PA, SC, SD, TN, TX, UT, VT, VA, WA, WV, WI, WY
Dairyland offers auto insurance with flexible payment and coverage options for high-risk drivers in 37 states.
Yes
No
monthly, custom
All 50 states
Backed by nearly 100 years in the business, Farmers Insurance aims to offer options and support to help you find the coverage you need.
Yes
Yes
12 months, 6 months, custom
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.

Compare up to 4 providers

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.

Get cheap SR-22 insurance

Compare SR-22 car insurance from companies near you.

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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.

Cheap 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 September 1st, 2019
Company Median annual rate Learn more
Allstate $689 Read review
State Farm $195 Read review
Geico $1,012 Read review
Progressive $445 Read review
SafeAuto $635 Read review
Farmers $648 Read review
USAA $653 Read review
Average $611 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.

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.

Get cheap SR-22 insurance

Compare SR-22 car insurance from companies near you.

Your information is secure.

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