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SR22 Insurance in Indiana

Drivers convicted of a major traffic violation in Indiana will most likely be required to file an SR-22 with their insurance provider.

You want to make sure the SR-22 is filed correctly to avoid further penalties regarding your insurance coverage and driving privileges. The insurance guide below can provide you with a wide variety of information regarding SR22 insurance as an insured driver in Indiana.

What is SR-22 Insurance in Indiana?

SR-22 insurance isn’t a type of insurance but a proof 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 coverage.

Indiana will likely require you to carry SR22 insurance after a traffic violation that has resulted in your driver’s license being suspended. To reobtain your driving privileges, you will need to file an SR-22 insurance form.

An SR-22 certificate is submitted by your auto insurance company to the Indiana Department of Motor Vehicles (DMV) 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 top of your car insurance payments.

Who Needs an SR-22 in Indiana?

Not every driver in Indiana needs SR-22 insurance. 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 driver’s license. The state of Indiana will notify you if you need to obtain SR-22 insurance, so it will never be a guessing game.

You should also have a good understanding if you need to alert your insurance provider based on the circumstances of your traffic conviction in Indiana.

SR22 insurance in Indiana is required after committing one of the following violations:

  • Operating a vehicle while intoxicated (OWI), DUI, or DWI
  • Reckless driving
  • Driving with a suspended licenses
  • Driving uninsured
  • Acquiring multiple minor traffic violations

Indiana Car Insurance Minimum Requirements

SR-22 insurance proves to the state of Indiana that you carry at least the minimum amount of coverage required for all drivers. This assures the state that you have some financial coverage should you end up causing a car accident. While meeting the insurance minimums required by Indiana is necessary, you should consider increasing your coverage limits for stronger protection.

Indiana Mandatory Minimum Auto Insurance Coverage

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

At the very least, you need to comply with these insurance requirements for drivers in Indiana. However, it is highly recommended that you expand your coverage by raising your insurance coverage limits and utilizing auto policy add-ons.

Liability insurance will only protect the other driver in a motor vehicle accident. You need to make sure you and your car are also covered. This can be done by purchasing insurance like collision coverage and personal injury protection (PIP). Liability insurance protects your finances, but that’s as far as it goes.

How Long do You Need to Maintain an SR-22 in Indiana?

The amount of time you will need to carry SR22 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 certificate through your insurance provider for five years.

In Indiana, you run the risk of your driving privileges being suspended if you fail to keep up with your SR-22 insurance during the assigned time. Maintaining your Indiana SR22 certificate is done by staying on top of your regular car insurance payments since it is through your insurance provider.

If you fail to keep up with your insurance premiums and let the coverage end, your insurance company must notify the Indiana DMV. Most likely, your insurance provider will also drop you, and you will have to begin shopping around for new 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.

Finding coverage after this can be tricky given your lapse in insurance and less-than-favorable driving record. Many insurance companies will consider you to be a high-risk driver. Few insurance providers want to run the risk of providing coverage for a driver they fear will get into further trouble. However, finding the necessary insurance is crucial to getting your license reinstated.

If you plan to move to a new state, you will still need to fulfill your Indiana SR-22 insurance requirement. Leaving the state does not allow you to ignore the Indiana insurance laws. You will need to take some steps to make sure you are successfully fulfilling your Indiana SR-22 insurance from your new state.

Before moving, look for an insurance provider that operates in both Indiana and the new state you will be living in. You purchase auto insurance coverage in the new state, and your Indiana SR-22 insurance follows you. So long as you do not let your insurance lapse, you will continue to fulfill your insurance requirement.

You do not need to purchase new SR22 insurance because your traffic violation was in Indiana. Make sure that the coverage you purchase in your new state meets the mandatory minimum amount of coverage required by the state of Indiana.

You still need to comply with Indiana insurance laws even while living in a different state due to your SR-22 insurance. Failure to abide by the Indiana insurance laws will most likely reset your SR-22 maintenance period and can lead to further issues with getting car insurance coverage.

How Much Does SR-22 Insurance Cost in Indiana?

Having to carry Indiana SR22 insurance is bound to increase the cost of your car insurance rates. In Indiana, the average cost of SR-22 insurance coverage is around $2,000 per year.

What each driver actually ends up paying every year, though, can vary depending on the insurance provider and the circumstances surrounding their violation. Some violations are deemed more serious than others, leading to a greater increase in insurance rates.

For example, an OWI conviction in Indiana can increase your car insurance price by $500, whereas a speeding violation will increase rates by about $300. No matter what, committing a major traffic offense and being hit with an SR-22 requirement will increase your car insurance costs greatly.

Some good news, though, is that after your SR-22 insurance period ends, your rates may decrease. This is not guaranteed since a lot depends on how long your traffic violation will stay on your record but not needing to maintain SR-22 insurance is a good thing insurance companies like to see.

SR-22 Insurance Filing in Indiana

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

While an SR22 form filing fee does not seem like much on its own, the overall amount of money you pay thanks to your traffic violation adds up quickly. The SR-22 forms fee is required on top of the other fines and costs of receiving a traffic violation conviction.

If you are struggling to find cheap car insurance in Indiana due to the infractions on your driving record, it is in your best interest to shop around and get quotes from a wide variety of insurance providers.

You should get quotes from both local Indiana insurance companies and national providers in order to get a good idea of general rates and insurance policies out there. Pretty much every insurance provider will offer you a free quote through their website, over the phone, and even with their app. This makes shopping for coverage relatively easy.

If you believe you have found the most affordable car insurance rates, but the cost is still higher than you would like due to your driving record, talk to your insurance agent about auto policy discounts.

While major insurance discounts like good driver discounts may not be available to you given your traffic violations, other insurance discounts like bundling and military may still be able to be applied to your insurance rates depending on your personal factors.

Non-Owner SR22 Insurance in Indiana

If you commit a major traffic violation in a car that you do not own, you can still be hit with an SR-22 insurance requirement. If this is the case, you will need to purchase non-owner SR-22 insurance. A non-owner insurance policy provides you with the liability insurance coverage required for drivers and can fulfill your SR22 insurance requirement.

Non-owner car insurance is ideal for people who frequently borrow or rent cars. Anyone with a valid Indiana driver’s license needs to carry car insurance. Insurance mandates do not go away just because you do not personally own a car.

A non-owner car insurance policy offers the appropriate coverage and ensures your finances will be protected in the event of a car accident. It is also a very affordable car insurance policy, but that is due to the qualifications policyholders must meet.

Only drivers who do not own a vehicle or do not have regular access to one can purchase a non-owner insurance policy. If you live at home, for example, and can access your parent’s vehicle regularly, you will not qualify for this type of insurance.

Purchasing a non-owner insurance policy can help you complete your SR-22 insurance requirement. Everyone needs coverage when behind the wheel of a car, whether they own it or not.

Indiana OWI Convictions

An Indiana OWI conviction is one of the most serious traffic offenses you can commit. Even if it is the first offense on your record, you will be hit with an SR 22 requirement in Indiana.

You can also expect to see a serious increase in your car insurance rates. But keep in mind that your auto insurance coverage is not the only thing you will have to worry about following an OWI conviction.

In Indiana, like many other states, severe penalties will follow you after a drunk driving conviction. The chart below outlines what, depending on your case, you could be facing in the event of being charged with an OWI.

It is also key to remember that with your third conviction and on, your SR-22 insurance filing must be maintained for five years.

Consequences
1st Offense
2nd Offense
3rd Offense
Jail Time
Up to 1 year
5 days, up to 3 years
10 days, up to 3 years
Fines
Court costs and fees
Up to $10,000
Up to $10,000
License Suspension
Up to 2 years
180 days-2 years
1 year-10 years

Breath Alcohol Ignition Interlock Device (BAIID) Requirements For Indiana

Under Indiana code, if convicted of an OWI, you may be ordered to install an ignition interlock device (IID) in your vehicle(s). An IID is a breathalyzer that prevents your car from starting if it detects alcohol on your breath. It will not start until you give it a breath sample. Limited driving privileges can follow the installation of an IID.

SR-22 Insurance Quotes in Indiana

Insurance Navy is here to help drivers get an SR-22 certificate and the insurance coverage they need. We understand that things can happen to good people, so we know that having the appropriate team on your side to assist you in correcting any driving mistakes is critical. The easiest approach to address an SR-22 Insurance 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 insurance agents with any frequently asked questions or FAQs, or visit any Insurance Navy location in throughout Indiana.

Get an Instant SR-22 Quote in Indiana

Also, you can get a free quote for SR-22 insurance coverage online right now and begin the process to get Insurance Navy coverage.

Learn more about SR-22 Requirements from the Indiana BMV

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