SR-22 in Indiana: What You Need to Know

Indiana law might require you to get SR-22 insurance if your license has been suspended or revoked due to a serious driving violation or conviction.
Written by Hillary Kobayashi
Reviewed by Kathleen Flear
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.
Compare auto insurance policies
No spam or unwanted phone calls · No long forms
Find insurance savings

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 car insurance
Indiana’s coverage minimums
are the following:

Who needs it?

Indiana law might require you to get an SR-22 form filed by your insurer if your
Indiana driver's 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 you have a
license suspension
or revocation. We recommend that you try
shopping around for car insurance
with the
app, as it is the easiest way to receive
car insurance 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
driving record

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 driving 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.
"Amazing! Me and my partner were paying close to $200 a month for full coverage, I signed up for
just for the fun of it to see what could be out there and now we’re paying $65 a month for the exact same coverage. It’s totally legit, free, and it could save you money!"— Jerry user
Haven’t shopped for insurance in the last six months? There might be hundreds $$$ in savings waiting for you.
Judith switched to Progressive
icon savingsSaved $725 annually
Alexander switched to Travelers
icon savingsSaved $834 annually
Annie switched to Nationwide
icon savingsSaved $668 annually
Are you overpaying for car insurance?
Compare quotes and find out in 45 seconds.
Try Jerry

Easiest way to compare and buy car insurance

No long forms
No spam or unwanted phone calls
Quotes from top insurance companies
Find insurance savings