In Indiana, drivers who get convicted of a DUI or other serious traffic violation are required to get SR-22 insurance certifications. SR-22 insurance is not a type of insurance: it’s a form of proof of insurance that shows you meet the state’s minimum coverage requirement. The exact form needed can vary depending on the type of violation and the state’s laws.
SR-22 insurance in Indiana is not expensive. However, having an SR-22 on your record will negatively impact your auto insurance premium. It can also affect your driving privileges in other ways, and it may come with additional penalties and fees.
What is “SR-22 insurance?”
SR-22 insurance is a special type of proof of insurance that shows you carry the state’s minimum amount of required liability insurance. In Indiana, the minimum amount of insurance is 25/50/25, which includes $25,000 in bodily injury liability coverage per person, $50,000 in bodily injury liability coverage per accident and $10,000 in property damage coverage per accident.
Indiana state law says that drivers who have their license suspended for a DUI, insurance-related violation or other significant traffic violation may be required to get SR-22 insurance. In order to get your driving privileges back, you must purchase an SR-22 in Indiana and pay the necessary license reinstatement fees.
Not every car insurance company offers SR-22 insurance certification. You can typically purchase SR-22s from insurance companies that specialize in non-standard insurance, which is a special type of coverage for high-risk drivers. When you pay for an SR-22, the insurance company will file it electronically with the Indiana BMV after you pay the filing fee.
SR-22 Indiana alternatives
Drivers in Indiana may be required to purchase an SR-22 insurance alternative. The proof of insurance requirements can vary based on the state, the type of offense and a repeat violation. In Indiana, drivers might also be required to purchase an SR-50 or an SR-26. Here’s a look at some common SR-22 alternatives, where they are required and how they affect your auto insurance requirements.
|Form||States issued||Required insurance minimums|
|SR-22||Every state except Delaware, Kentucky, Minnesota, New, Mexico, New York, North Carolina, Oklahoma and Pennsylvania||State minimum insurance coverage|
|SR-19||California and Texas||State minimum uninsured motorist coverage|
|SR-21||Florida, Georgia and Indiana||State minimum insurance coverage|
|SR-22A||Georgia, Texas and Missouri||State minimum insurance coverage|
|FR-44||Florida and Virginia||Higher liability limits than state minimum coverage|
|SR-50||Indiana||State minimum insurance coverage|
- SR-19: SR-19 insurance is only available in California and Texas. A driver must file an SR-19 in these two states in order to file an insurance claim if they get hit by an uninsured driver.
- SR-21: An SR-21 is often required in Florida, Georgia, and Indiana if a driver causes a car accident that results in injury, death or property damage above $1,000. This form certifies that you held at least the minimum required amount of insurance at the time of the accident.
- SR-22A: The SR-22A form is found in Georgia, Texas and Missouri. It is essentially the same form as the SR-22, which is often required after your license is suspended.
- FR-44: FR-44 insurance is found in Florida and Virginia only. This form is similar to the SR-22, but instead of meeting the state’s minimum insurance requirements, drivers are required to carry more liability insurance than what is typically mandated.
- SR-50: SR-50 forms are only available in Indiana. The Indiana BMV uses SR-50 forms to verify current proof of insurance coverage after a notable traffic violation.
In some cases, Indiana drivers might be directed to purchase non-owner SR-22 insurance. A non-owner SR-22 is for drivers who do not own a vehicle, but get convicted of a serious traffic violation or lose their license after borrowing someone’s car. The insurance requirements for a non-owner SR-22 are the same as a standard SR-22. You are legally required to carry non-owner SR-22 insurance even without your own car.
SR-50 in Indiana
One of the most common SR-22 alternatives in Indiana is the SR-50 form. You will be required to fill out an SR-50 form after you get into an accident or get convicted of a serious traffic violation that is reported to the Indiana BMV. The BMV uses an SR-50 form to verify your insurance coverage at the time of the crash or violation. Assuming you had coverage at the time of the incident, this form will not impact your car insurance rate or insurance requirements.
SR-22 Indiana insurance costs
SR-22 insurance in Indiana is inexpensive. Drivers are required to pay a filing fee with the insurance company that provides the form, which is usually no more than $50. However, drivers pay for an SR-22 in other ways.
First, drivers who get their license suspended are required to pay a license reinstatement fee. For a first offense, you will pay $250 to get your license back, and after two or more offenses, the reinstatement fee increases to $500.
In addition, having an SR-22 on your record will affect your car insurance premium. High-risk drivers pay the highest car insurance rates, so expect your rate to increase substantially while the SR-22 remains on your driving record.
How long do I need an SR-22 in Indiana?
In the state of Indiana, you are required to have an SR-22 on your record for three years for a first or second offense. After three or more offenses, you will be required to maintain an SR-22 for five years. In Indiana, the length of time you are required to have an SR-22 does not depend on the type of offense itself.
How do I get SR-22 insurance in Indiana?
To get SR-22 insurance in Indiana, you must find an insurance company that offers SR-22 certificates. If your personal insurance provider does not offer this type of insurance, look for providers that sell non-standard insurance. After filling out the form, the insurance company will file your SR-22 with the BMV and it will remain on your record for the three or five year period.
How much does SR-22 insurance cost in Indiana?
The average cost of filing an SR-22 in Indiana varies, but the filing fee is typically not expensive. Unlike a regular car insurance premium, the cost of SR-22 insurance is not dependent on your age, credit score, claims history or the type of vehicle you drive.
Where can I find cheap SR-22 insurance in Indiana?
To find cheap SR-22 insurance in Indiana, your best option is to contact providers in your area that offer this type of coverage. You can speak with an agent to find out how much the filing fee is, and choose the provider that charges the cheapest amount.
Does Indiana SR-22 insurance renew automatically?
Typically, no. You are usually required to renew your SR-22 at the end of the policy period, for every year that you need to have the certificate on your record. In some cases, you can be penalized for failing to renew your SR-22 within a certain number of days before the expiration date.