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An SR-22 is not a type of insurance, it is a proof of insurance form verifying you meet the state’s minimum coverage requirements. In Indiana, drivers who get convicted of a DUI or other serious traffic violation are required to get SR-22 insurance certifications.
The type of form may differ by state. While Indiana and other states have an SR-22, some states have an SR-19, SR-21, FR-44 or SR-50 for high-risk drivers to prove they meet state requirements. The need for an SR-22 or other form can impact your insurance premiums and affect driving privileges.
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 car insurance, get an SR-22 from the carrier 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. The non-owner SR-22 insurance provides will allow you to drive someone else’s car with their permission, even if you do not have 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 Bureau of Motor Vehicles (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. This fee is in addition to insurance premiums, which can be higher for drivers that require an SR-22 in Indiana. 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.
Frequently Asked Questions
According to the Indiana BMV, you typically need an SR-22 in Indiana for 180 consecutive days. If your Indiana SR-22 insurance lapses within those 180 days, you will have to get new coverage in place and the clock starts over. If your insurance provider sends the Indiana BMV an SR-26, which is an SR-22 insurance cancellation notice, your driving privileges automatically get suspended until the BMV receives an in-force SR-22 insurance certificate or the requirement period has expired.
The first step to get an SR-22 in Indiana is to find an insurance company that offers SR-22 certificates. Your current insurance provider may offer SR-22 insurance, but if not, providers selling non-standard insurance may be another option. You should let the insurance company know you need SR-22 insurance in Indiana so it can provide the correct form to the Indiana BMV to satisfy the SR-22 requirements.
How much SR-22 insurance costs in Indiana varies, factoring in the infraction that caused you to need an SR-22, your age and other relevant driving and claims history. The SR-22 filing fee is typically less than $50 and may need to be paid at each renewal until the SR-22 requirement period expires. The average cost of car insurance in Indiana without an Sr-22 is $1,242 per year for full coverage.
You can find cheap SR-22 insurance in Indiana by contacting insurers to find out if they offer these certificates. If so, ask about the filing fee and process, so you are aware of any additional fees you may have to pay, besides the insurance premium. You can then compare quotes from insurance companies that provide SR-22s to find the cheapest rate available for the coverage you need.
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.