Cheapest SR-22 Car Insurance in Indiana (2024)

While often referred to as "SR-22 insurance," an SR-22 is actually a document that verifies you have an insurance policy that meets Indiana's minimum liability coverage requirements. Indiana law requires drivers with certain serious driving offenses to submit an SR-22 to restore their driving privileges. Once you file an SR-22, insurers tend to view you as a higher-risk driver, which can lead to higher premiums.

Indiana only requires an SR-22 form to prove financial responsibility after severe driving violations, including DUIs. To comply with SR-22 laws in Indiana, you'll need to meet the state's minimum liability coverage requirements.

For many Indiana drivers, Progressive provides the cheapest SR-22 insurance across different coverage levels. With a $30 per month rate for minimum liability coverage, it’s 50% lower than the state average of $60 per month, translating to potential annual savings of $504.

If you're looking for full coverage SR-22 insurance, American Family offers the lowest rate in Indiana, with an average monthly payment of $63.

At an average of $18 per month or $214 annually, Auto-Owners provides the most affordable non-owner SR-22 insurance in Indiana. Drivers who need an SR-22 but don’t own a vehicle can opt for non-owner car insurance to satisfy Indiana’s minimum coverage requirements.

Here’s a list of insurers offering budget-friendly non-owner SR-22 insurance in Indiana, along with their average rates for minimum coverage policies:

The average cost of car insurance in Indiana for a driver with an SR-22 is $717 annually for minimum coverage, which is about 77% higher than the state average of $404 for drivers with no violations.

For full coverage SR-22 car insurance, the average annual premium in Indiana is $1,557, roughly 77% more than the $881 average for drivers with a clean record.

Your insurance costs in Indiana increase due to the specific violation you’re convicted of, not because of the SR-22 form itself. Below, you can compare SR-22 insurance rates in Indiana for common violations like DUIs, speeding tickets and accidents across different age groups, along with the average rates for drivers who maintain a clean record:

Many people mistakenly believe an SR-22 is an insurance policy, but it’s actually a document known as a "certificate of financial responsibility." Your insurance company files this form with the state to verify that you meet Indiana’s minimum liability coverage requirements, which is necessary for reinstating your driving privileges.

In Indiana, drivers who commit serious traffic offenses are required by law to file an SR-22. This form is essential for reinstating or keeping your driver's license. Common violations that lead to an SR-22 requirement include the following:

In Indiana, SR-22 certificates are generally required for three years. However, the requirement may be extended if you commit additional violations or fail to maintain continuous insurance coverage during this period. For serious offenses, such as DUI or repeat violations, the SR-22 requirement could be extended beyond the initial three years.

In Indiana, drivers required to file an SR-22 must also adhere to specific rules beyond meeting the state’s minimum coverage requirements for three years. Below are the key things to keep in mind:

• Fees: To reinstate your license, you'll need to provide proof of SR-22 insurance and pay a reinstatement fee to the Indiana BMV.
• Insurers can drop you: After filing an SR-22, some insurers may choose to cancel your policy or not renew it, meaning you'll have to look for another provider willing to insure high-risk drivers.
• Compliance: You must maintain continuous coverage during the SR-22 period. If your insurance lapses, your insurer must notify the state, which could result in penalties or a suspension of your driving privileges.
• Relocation: If you move out of Indiana, your SR-22 obligation doesn’t disappear. You'll need to coordinate an out-of-state filing through your insurer to comply with Indiana’s requirements.
• Cancellation: After fulfilling your SR-22 requirement, usually after three years, your insurer will file a cancellation notice with the BMV, indicating that your obligation has been completed.

In Indiana, filing an SR-22 is mandatory for drivers involved in serious violations, such as driving without insurance or reckless driving. Failure to file can result in further penalties, including a suspension of your driver’s license. Follow these steps to file an SR-22 in Indiana:

Maintaining Indiana’s minimum liability coverage throughout the SR-22 period is essential to avoid penalties and keep your license reinstatement-eligible. If you’re currently uninsured, you’ll need to get an SR-22 insurance quote. Some insurers may cancel or decline to renew your policy after filing, making it harder for high-risk drivers in Indiana to secure SR-22 insurance than for those with clean records.

High-risk drivers in Indiana often face fewer options when it comes to finding insurance, as many providers may be reluctant to offer coverage. This can result in higher premiums and limited choices. To secure the most affordable SR-22 car insurance quotes in Indiana, consider the following recommendations:

Non-owner car insurance in Indiana offers liability coverage for individuals who frequently drive but don’t own a vehicle. This policy provides financial protection if you’re driving someone else’s car and are involved in an accident.

After purchasing a non-owner car insurance policy, your insurer can file an SR-22 form on your behalf to comply with Indiana's state laws, helping you reinstate your license after the required three-year period.

Non-owner policies are ideal for those who regularly rent cars or drive for services like rideshare. They cover third-party bodily injury and property damage in the event of an accident. Additionally, non-owner insurance in Indiana tends to be more affordable than standard car insurance. To find the best rates, compare quotes from multiple providers.

In Indiana, drivers convicted of serious traffic offenses, like DUIs or reckless driving, must file an SR-22 to confirm they meet the state's minimum liability coverage requirements. This form is generally required for a period of three years, but the duration may be extended for repeat or more severe violations. Although insurance rates tend to be higher for those needing an SR-22, there are several affordable car insurance options in Indiana for high-risk drivers.

Here are some common 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 premiums for drivers of various profiles and needs in Indiana.

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 $1,000–1,999 in property damage
• 2012 Toyota Camry LE
• 12,000 miles driven annually

Coverage Levels and Deductibles

We gathered quotes for minimum coverage insurance policies to help motorists find the cheapest SR-22 insurance for their desired coverage level. For the most affordable minimum coverage policy, quotes were based on Indiana’s minimum coverage car insurance requirements with the following liability limits:

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

For the most affordable policy with comprehensive and collision coverage — also referred to as a full coverage policy — 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.