- Understanding SR-22 insurance in Indiana
- How much does SR-22 insurance cost in Indiana?
- Average SR-22 insurance cost in Indiana by violation
- Non-owners SR-22 insurance in Indiana
- How long do you need an SR-22 in Indiana?
- Reasons for requiring SR-22 insurance in Indiana
- Tips to lower SR-22 insurance costs in Indiana
- Methodology
- SR-22 insurance in Indiana: FAQ
- Compare Indiana SR-22 rates with other states
Understanding SR-22 insurance in Indiana
SR-22 insurance isn't a specific type of insurance. Instead, an SR-22 is a form your insurance company files with the state showing you have at least the minimum required car insurance to be on the road in Indiana. SR-22 insurance refers to auto insurance coverage where an SR-22 has been filed by the company on your behalf.
Most Indiana drivers don't need SR-22 insurance. Drivers who need an SR-22 form have been convicted of significant violations, such as reckless driving, DUIs and multiple infractions in a short amount of time. You will be informed if you are required to file an SR-22 and for how long.
"Certain things trigger the requirement for an SR-22 filing, such as a DUI, having a lot of points on your license, getting into an accident without insurance, or having your license suspended or revoked. But in every case, the driver is notified by the DMV that they are required to have this form. You would have to check the box that you are required to have an SR 22 filing. The insurance company typically charges a fee to file or maintain that filing, which varies by insurance company," says Dorothy Cato with Skyway Insurance Services LLC in Monroe, North Carolina.
How much does SR-22 insurance cost in Indiana?
Filing an SR-22 form doesn't cost much, but the fines and increased insurance rates can be expensive. On average, SR-22 insurance in Indiana costs $1,713 per year, but the actual rate depends on the driver and the specific violation.
Insurance companies charge different rates, so it's smart to shop around and find the cheapest SR-22 insurance available.
Average SR-22 insurance cost in Indiana by violation
Your insurance rates don't go up because of the SR-22. The state requires the SR-22 due to a violation, and that violation is what causes your rates to increase.
For example, you may need an SR-22 if you get a DUI or drive without insurance. The increase in your car insurance rate will depend on the violation, not the SR-22 itself.
This table shows the average costs for violations that require an SR-22. The rates vary based on the type of violation.
| Violation | Average annual premium |
|---|---|
| Driving without insurance | $1,795 |
| DUI/DWI first offense | $2,509 |
| DUI/DWI second offense | $3,952 |
| Reckless driving | $2,609 |
| SR22 Filing Only | $1,713 |
| SR22 with 1 DUI | $2,930 |
SR-22 insurance cost by company for a first DUI
Progressive offers the lowest car insurance rate for drivers after a single DUI at $1,830 yearly. Finding affordable SR-22 insurance after a DUI can be challenging, but comparing quotes can help. Some insurance companies view a first DUI as a one-time mistake and may offer lower rates than others.
Take a look at the table below to see how average insurance rates after one DUI vary by company. While insurance rates increase after a DUI, the increase isn't as severe as with multiple infractions.
| Company | Average annual premium | Average monthly premium |
|---|---|---|
| Progressive | $1,830 | $153 |
| Travelers | $1,945 | $162 |
| State Farm | $2,007 | $167 |
| GEICO | $2,384 | $199 |
| Nationwide | $2,770 | $231 |
| Auto-Owners | $2,872 | $239 |
| Allstate | $2,976 | $248 |
| Farmers | $3,964 | $330 |
| USAA | $1,233 | $103 |
SR-22 insurance cost by company for reckless driving
The cheapest company for SR-22 insurance after a reckless driving conviction is Travelers, with an average rate of $1,945 per year. Reckless driving tickets can be given for different reasons, like speeding, running red lights, texting while driving or tailgating. No matter the cause, reckless driving in Indiana leads to fines, an SR-22 requirement and higher car insurance rates.
Check the table below to compare average insurance rates for reckless driving from different companies.
| Company | Average annual premium | Average monthly premium |
|---|---|---|
| Travelers | $1,945 | $162 |
| State Farm | $2,007 | $167 |
| Progressive | $2,686 | $224 |
| GEICO | $2,689 | $224 |
| Nationwide | $2,770 | $231 |
| Auto-Owners | $2,872 | $239 |
| Allstate | $2,976 | $248 |
| Farmers | $4,063 | $339 |
| USAA | $1,083 | $90 |
SR-22 insurance cost by company for driving without insurance
GEICO offers the cheapest car insurance after a ticket for driving without insurance at $1,508 per year.
In Indiana, drivers must have at least the minimum required auto insurance. If you don't, you can face fines, higher insurance rates and an SR-22.
Below are the car insurance rates by company for drivers with a lapse in coverage.
| Company | Average annual premium | Average monthly premium |
|---|---|---|
| GEICO | $1,508 | $126 |
| Travelers | $1,699 | $142 |
| State Farm | $1,746 | $146 |
| Progressive | $2,492 | $208 |
| Farmers | $2,576 | $215 |
| USAA | $990 | $83 |
Non-owners SR-22 insurance in Indiana
Indiana might require you to file an SR-22 form even if you don't own a car as a prerequisite to get your license back. If you borrow or rent a car occasionally, you can get non-owner SR-22 insurance, which meets legal requirements, and the SR-22 can be filed with that policy.
It is important to note that non-owner car insurance only provides extra liability coverage when you drive someone else's car. If you buy a car, you will require the right insurance to legally drive it in Indiana.
How long do you need an SR-22 in Indiana?
In Indiana, drivers typically need to keep an SR-22 for 180 days after conviction. If you don't keep your insurance active during this period, you'll be breaking the law and could face serious fines and other penalties.
Reasons for requiring SR-22 insurance in Indiana
Most Indiana drivers don't need to file an SR-22. However, drivers who exhibit careless behaviors may be required to file an SR-22, which is typically required when the driver has to prove that they have the minimum liability insuranceLiability insurance covers sums that an insured becomes legally obligated to pay because of bodily injuries or property damage, or financial losses caused to other people. required by the state," says Cato.
You may need an SR-22 in Indiana for reasons like:
- DUI
- Reckless driving
- Several traffic violations in a short time
- Not maintaining auto insurance
- Refusing a breathalyzer test
- At-fault accidents involving severe injuries or death
Tips to lower SR-22 insurance costs in Indiana
Although your insurance will increase if you need an SR-22, there are still ways to find affordable coverage.
Ways to lower auto insurance costs with an SR-22 include:
- Take advantage of all available discounts. Most insurers allow you to bundle discounts to maximize savings.
- Raise your deductible. Increase the amount you pay before insurance kicks in to lower rates.
- Take a defensive driving course. Some insurers offer a discount for taking a course, and some states remove points from your license, which can lower your insurance rates.
- Sign up for a usage-based program. If you can demonstrate good driving habits while they are being tracked, you could earn a discount.
- Shop around for SR-22 insurance. Compare rates from multiple companies to find the cheapest SR-22 insurance in Indiana.
Methodology
170+ insurance companies analyzed 34,000+ ZIP codes examined 53M+ insurance quotes analyzed
National and state average rates are based on three coverage levels: state minimum, 50/100/50 liability-only, and full coverage with 100/300/100 liability and $500 deductibles.
All base rate averages are based on our full coverage data set. This data set is based on:
- Bodily injury liability of $100,000 per person and $300,000 per incident
- Property damage liability of $100,000 per incident
- Comprehensive and collision deductibles of $500
- 40-year-old driver
- Honda Accord LX
- Good credit
- A clean driving record
- 12-mile commute, 10,000 annual mileage
Our data is then adjusted to reflect the rate increase from this base rate for the following infractions requiring an SR-22
- One DUI
- Two DUIs
- Reckless driving
- Driving without insurance
SR-22 insurance in Indiana: FAQ
What happens if I fail to maintain SR-22 insurance in Indiana?
If you don't keep your insurance active and maintain your SR-22 filing, you could face serious consequences. You might face:
- Losing your driver's license
- Paying fines
- Increased car insurance rates
- Restarting your SR-22 period
- Jail time
- Getting your car's registration revoked
Can I switch insurance providers while I have an SR-22 filing?
Yes, you can switch auto insurers while you have an SR-22. However, your new insurance company must refile the SR-22, and you need to have insurance in place with your SR-22 filed before canceling your previous policy.
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