SR-22 Insurance in Indiana

Indiana drivers convicted of serious traffic or insurance violations will most likely be required to file an SR-22 with their auto insurance company. The SR in “SR-22” stands for “safety responsibility.” You want to make sure everything is filed correctly to avoid further penalties regarding your driving privileges.

What is SR-22 Insurance in Indiana?

SR-22 insurance isn’t a type of insurance but a certificate of financial responsibility. An SR-22 certificate serves as proof of insurance to the state of Indiana that you carry at least the mandatory minimum amount of insurance.

The State will likely require you to file an Indiana SR-22 form after a traffic violation that has resulted in a driver’s license suspension. Drivers convicted of serious traffic violations must provide proof of auto insurance to restore their driving privileges.

An SR-22 certificate is submitted by your auto insurance company to the Indiana Bureau of Motor Vehicles (BMV) at your request. The SR-22 certificate is then attached to your car insurance policy, and to keep it active, you have to stay on time with your payments.

Who Needs an Indiana SR-22 Form?

Not every driver in Indiana needs an SR-22 form, SR-22 filings are only for high-risk drivers. If you keep a clean driving record, you won’t have to go through the filing process.

SR-22 insurance in Indiana is often required after a major traffic violation conviction that has resulted in you losing your license. The state of Indiana will notify you if you need to purchase SR-22 insurance.

In the state of Indiana, an SR-22 will be required after committing one or more of the following traffic offenses:

• Operating a vehicle while intoxicated (OWI or DUI)
• Driving with a suspended licenses
• Multiple traffic violations in a short period of time
• Reckless driving conviction

Indiana drivers typically need to maintain their SR-22 for a specified period following a violation.

State Insurance Requirements in Indiana

SR-22 insurance proves to the state of Indiana that you carry at least the state minimum amount of auto insurance coverage required for all drivers. This certificate of financial responsibility assures the state that you have adequate insurance coverage should you end up being responsible for an at-fault accident.

While meeting the minimum insurance requirements for Indiana is necessary, you should consider increasing your coverage limits for stronger protection.

Indiana law states that the mandatory auto insurance minimum coverage for drivers is:

• $25,000 for bodily injury liability coverage per person
• $50,000 for bodily injury liability coverage per accident
• $25,000 for property damage liability

At the very least, all Indiana drivers need to comply with these requirements. However, it is highly recommended that you expand your coverage by raising your limits and adding collision and comprehensive coverage.

How Long Do I Need to Carry SR-22 Insurance in Indiana?

The amount of time you will need to carry SR-22 insurance in Indiana is determined based on the circumstances of your conviction. In Indiana, you must maintain an SR-22 with your insurance company for three years after your first and second conviction. If it is your third or fourth conviction, Indiana requires you to maintain an SR-22 through your insurance agency for five years.

If you cancel your policy or let your coverage lapse before the required SR-22 time period, your insurer must notify the Indiana Bureau of Motor Vehicles (BMV). The Indiana BMV will most likely suspend your drivers license and you will be required to pay reinstatement fees.

Most likely, your insurance provider will also drop you, and you will have to begin shopping around for new SR-22 coverage. Your SR-22 period also resets, so you will have to go through the filing process and pay the related fees all over again with your new insurer.

Once the SR-22 period is over, your insurance agent will request to remove the SR-22 by filing an SR-26 form with the state.

How much does SR-22 Insurance Cost in Indiana?

Having to file an SR-22 certificate can increase your future insurance rates because you will be considered a high-risk driver. In Indiana, the average auto insurance rate with an SR-22 is around $2,000 per year. What each driver actually ends up paying every year, though, can vary depending on the insurer and the circumstances surrounding their violation.

Some violations are deemed more serious than others, leading to a greater increase in your rates. For example, an OWI conviction in Indiana can increase your auto insurance rates by $500, whereas a speeding violation will increase auto insurance rates by about $300.

No matter what, committing a major driving offense and being hit with an SR-22 requirement will increase your cost on your auto insurance policy significantly. Some good news, though, is that after your SR-22 period ends, your auto insurance premiums may decrease.

You should also be prepared to pay a filing fee. Asking your insurance provider to file an SR-22 certificate on your behalf is, in many cases, not free. The SR-22 forms filing fee can range from $15-$25, depending on your car insurance company.

Insurance Navy compares rates from some of the top Indiana auto insurance companies to give our customers the best coverage at the most affordable rates.

Get the Lowest Rates on Indiana SR-22 Insurance!

We are here to help drivers get the cheapest SR-22 certificates with the best insurance policy. We understand that things can happen to good people, so our authorized insurance agents are here to file your SR-22 form with the state. Our insurance agents will follow up with the Indiana BMV to make sure the SR-22 form was received.

The most straightforward approach to address an SR-22 requirement is to contact us as soon as possible for a quote. A driver should always have coverage on their car to avoid any additional obstacles. Contact our customer service staff or visit any of our locations nationwide..

Whether you Live in Indianapolis, Fort Wayne, Evansville, South Bend, Carmel, Bloomington, or Hammond, Insurance Navy™ is here to help obtain the best policy and Instant Proof of Insurance.

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Read more about SR-22 from the Indiana Bureau of Motor Vehicles (BMV)