SR-22 in Indiana: What You Need to Know

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  • What is it?
  • Who needs it?
  • How to get it
  • The cost?
  • Insurance implications
  • Cheap insurance
Indiana law may require you to hold SR-22 insurance if your license has been suspended or revoked due to a severe driving violation or conviction.
An SR-22 is a certificate that your insurance company files with the DMV guaranteeing that you have at least minimum coverage insurance.
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Here’s what you need to know about SR-22 insurance in Indiana.
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What is SR-22 insurance in Indiana?

An SR-22 in Indiana provides a driver with legal recognition that they carry the state’s minimum amount of liability insurance. Indiana’s coverage minimums are the following: Property damage liability: $25,000 per accident Bodily injury liability: $25,000 per person / $50,000 per accident

Who needs it?

Indiana law might require you to get an SR-22 form filed by your insurer if your license has been suspended or revoked due to a traffic violation or a conviction of a major driving offense.
Key Takeaway You might need SR-22 insurance in Indiana if you have been convicted of a serious offense, such as a DUI.

How to get it

You can get an SR-22 certificate in Indiana from an authorized insurance carrier. The insurance company will file the SR-22 form and a Certificate of Compliance with the Indiana Bureau of Motor Vehicles (BMV).
Most insurance companies operating in Indiana will provide SR-22 insurance upon request. That being said, you might run into problems finding an insurer if your license has been suspended or revoked. We recommend that you try shopping around for car insurance with the Jerry app, as it is the easiest way to receive quotes from top insurance companies.
You will need to hold SR-22 insurance for three years after the first and second suspensions of your car insurance. The third and subsequent suspensions of your insurance will require you to hold SR-22 insurance for five years.
Key Takeaway If your license has been suspended or revoked, you might struggle to find an insurer, and if you cannot find an insurer, you cannot request an SR-22 certificate.

How much does it cost?

The filing fee for an SR-22 certificate is a small, one-time fee of about $50, but it will usually be accompanied by an expensive hike in your insurance premium. You might also have to pay reinstatement fees.
The increase in your insurance coverage costs will depend on the violation or charges on your record.
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How an SR-22 impacts your insurance in Indiana

An SR-22 will impact both your car insurance rates and your choice of insurers.
If you have an SR-22, you will pay higher insurance premiums than a driver who has a clean record.
Also, not all insurance companies will insure drivers who need an SR-22 certificate, so you will be limited in your selection of insurers.

How to find cheap car insurance

If you need to hold SR-22 insurance, odds are that you are looking at high car insurance premiums. Shopping around will help you find the best and most affordable policy.
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