Cheapest SR-22 Car Insurance in Indiana

Progressive offers the cheapest SR-22 insurance at $30 per month for minimum coverage, 50% lower than the state average of $60. For full coverage, American Family is the most affordable option at $63.

Auto-Owners offers Indiana's cheapest non-owner SR-22 insurance at $18 monthly or $214 annually. SR-22 drivers without a vehicle can get non-owner insurance to meet state minimum coverage requirements. 

The table below shows providers and their average costs for minimum coverage.

The average cost of car insurance in Indiana for drivers with an SR-22 is $717 annually, a 76% increase compared to the $408 average for those with clean records.

Full coverage costs for SR-22 holders average $1,557 annually, about 76% more than the $887 clean-record drivers pay.

An SR-22 form alone doesn’t increase your insurance rates. Costs depend on the violation listed on your driving record. Use the table below to compare SR-22 insurance rates for common violations across age groups in Indiana.

An SR-22 isn't insurance but a form proving you meet Indiana’s minimum coverage requirements. Drivers with certain violations must file it to reinstate their license. This designation as high-risk often leads to higher premiums.

An SR-22, often called an SR-22 bond or certificate of financial responsibility, is a certification your insurer files to confirm you have enough insurance that meets the reinstatement requirements of Indiana's Financial Responsibility law.

In Indiana, having an SR-22 is required for three to five years after serious traffic violations. To comply with SR-22 laws, you must meet these minimum coverage requirements:

• $25,000 personal injury liability per person
• $50,000 personal injury liability per accident
• $25,000 property damage liability per accident

Indiana usually requires SR-22 certificates for three to five years, depending on the violation.

Along with using an SR-22 for three to five years to comply with Indiana's minimum coverage laws, drivers must follow these other rules:

• Fees: You must pay a fee to regain driving privileges and file the SR-22 form to prove liability coverage.
• Insurers' policies: After an SR-22 filing, your current insurer may cancel or refuse to renew your policy, requiring you to find a new provider.
• Continuous coverage: You must maintain uninterrupted coverage during the three-year SR-22 period. Lapses can result in penalties or license suspension, as insurers must notify the state of coverage gaps.
• Relocation: If you move out of Indiana during the SR-22 period, coordinate with your insurer for out-of-state filing.
• Cancellation: After completing the three-year requirement, your insurer must file a financial responsibility cancellation with the state, confirming you’ve fulfilled the SR-22 obligation.

To avoid penalties and reinstate your license after a serious violation, keep coverage for the entire SR-22 period. You'll need an SR-22 insurance quote if you don't have coverage. Finding insurance with an SR-22 can be more challenging than for those with clean records, as insurers may cancel your policy or deny coverage when you file.

High-risk drivers in Indiana may find fewer companies offering them coverage, often leading to limited choices and higher premiums. When getting an SR-22 insurance quote, check with your insurer for the exact fee amount if you're filing for the first time. Use the following tips to find cheaper SR-22 insurance:

Non-owner insurance covers people who drive frequently but don’t own a vehicle. It protects you when driving someone else’s car, covering third-party injuries or property damage if you cause an accident. This type of policy is ideal for those who rent cars often or drive for rideshare services.

It's usually more affordable than standard policies. Comparing quotes from different insurers can help you find the best rates. If you buy a non-owner policy, your insurer can file an SR-22 form to meet state requirements, allowing your license to be reinstated after three years.

Indiana drivers with severe offenses must file an SR-22 to prove they meet the state’s minimum coverage requirements. This form is required for three to five years, depending on the violation. While SR-22 insurance typically costs more, cheap car insurance providers in Indiana can help manage expenses.

Below are frequently asked questions about SR-22 certifications in Indiana:

MoneyGeek analyzed 127,836 quotes from nine companies across 258 ZIP codes to determine the average cost of car insurance for Indiana drivers of various profiles and needs.

Indiana Driver Profile

We collected data for a sample driver with the following attributes:

• 40-year-old male
• Driving record with a DUI or an at-fault accident causing $1,000 to $1,999 in property damage
• 2012 Toyota Camry LE
• 12,000 miles driven annually

Coverage Levels and Deductibles

We gathered quotes for minimum coverage policies to help drivers find the cheapest SR-22 insurance for their coverage needs. Quotes were based on Indiana's minimum coverage requirements, with the following limits:

• $25,000 personal injury liability per person
• $50,000 personal injury liability per accident
• $25,000 property damage liability per accident

For the most affordable policy with comprehensive and collision coverage — also called full coverage — we used the following limits with a $1,000 deductible:

• $100,000 bodily injury liability per person
• $300,000 bodily injury liability per accident
• $100,000 property damage liability per accident

Learn more about MoneyGeek's car insurance methodology.