Understanding SR-22 insurance in Indiana

An SR-22 is required to reinstate your license after it’s been suspended. In some cases, you might need an SR-22 even though you don’t own a car, or if you need to register a car while still under suspension. There are several forms of SR-22 filings available in Indiana:

  • Operator
  • Owner
  • Owner-operator

If you need to reinstate your license but don’t own a car, you will need to purchase non-owner car insurance to get the SR-22 filed.

How long do you need an SR-22 in Indiana?

The average length of an SR-22 requirement is three years. If you need the SR-22 for a longer period of time, you’ll be informed by the BMV or the court.

If you fail to maintain an insurance policy throughout the duration of your SR-22 period, the insurance company will inform the Indiana BMV of the lapse in coverage. A lapse will result in an extension of the SR-22 insurance duration.

Further serious moving violations during the SR-22 period may also result in an extension of the SR-22 requirement.

Reasons for requiring SR-22 insurance in Indiana

An SR-22 is required in Indiana for several reasons. They include:

  • Operating a vehicle while intoxicated (OWI) 
  • Driving without insurance
  • Being involved in an at-fault accident while uninsured
  • Too many points on your license
  • Reckless driving

You will be informed by the BMV or the court handling your conviction of any SR-22 insurance requirements.

How much is SR-22 insurance in Indiana?

The cost of insurance with an SR-22 will vary depending on the violation that resulted in the need for an SR-22. The insurance company will charge you a filing fee that is usually between $25 and $50. On top of that, your insurance rates will go up. Here are a few examples:

  • The average cost of OWI first offense and SR-22 insurance in Indiana is $2,060 per year
  • The average cost of OWI second offense and SR-22 insurance in Indiana is $3,239 per year 
  • The average cost of insurance with an SR-22 in Indiana after a reckless driving conviction is $2,254 per year
  • The average cost of driving without insurance and SR-22 in Indiana is $1,640 per year

The main factors affecting SR-22 insurance cost in Indiana are the violation itself and what else is on your driving record. The cost of insurance for multiple traffic violations and SR-22 insurance, or at-fault accidents on your record will skyrocket. 

How much you pay for insurance with an SR-22 will also depend on:

  • The type of car you drive
  • Where you live
  • How you use your car
  • Your coverage limits

"Many companies are unwilling to provide you insurance coverage if you have an SR-22 and need to satisfy the various obligations associated with carrying an SR-22. As such, you’ll likely have fewer options available to you and you may need to pay more for your insurance," says  Rick Kautzer, director of product management at Dairyland Insurance, a non-standard insurer.

Average cost of SR-22 insurance in Indiana by violation

Below are average car insurance rates for three different violations that require an SR-22.

ViolationAverage annual premium
OWI first offense$2,060
OWI second offense$3,239
Reckless driving$2,254
Driving without insurance$1,640

Average SR-22 insurance cost in Indiana for different violations

See the tables below to compare rates from top companies for an SR-22 with various violations.

SR-22 insurance cost by company for OWI, first offense

Below are average car insurance rates by company for a first offense OWI that requires an SR-22.

CompanyAvg. annual premiumAvg. monthly premium
USAA*$1,262$105
State Farm$1,334$111
Geico$1,605$134
American Family$1,744$145
Travelers$1,851$154
Progressive$2,107$176
Farmers$2,233$186
Nationwide$2,310$193
Allstate$2,891$241
Auto-Owners$3,263$272

*USAA offers car insurance only to military members, veterans and their families

SR-22 insurance cost by company for OWI, second offense

Below are average car insurance rates by company for a second offense OWI that requires an SR-22.

CompanyAvg. annual premiumAvg. monthly premium
USAA*$1,450$121
American Family$2,254$188
Geico$2,339$195
State Farm$2,563$214
Travelers$2,676$223
Nationwide$3,227$269
Farmers$3,322$277
Progressive$3,668$306
Allstate$3,885$324
Auto-Owners$7,004$584

*USAA offers car insurance only to military members, veterans and their families

SR-22 insurance cost by company for reckless driving 

Below are average car insurance rates by company for reckless driving with an SR-22.

CompanyAvg. annual premiumAvg. monthly premium
USAA*$1,111$93
State Farm$1,334$111
Travelers$1,851$154
Geico$1,853$154
Nationwide$2,310$193
American Family$2,401$200
Farmers$2,408$201
Allstate$2,891$241
Progressive$3,120$260
Auto-Owners$3,263$272

*USAA offers car insurance only to military veterans and their families

SR-22 insurance cost by company for driving without insurance

Below are average car insurance rates by company for driving without insurance with an SR-22.

CompanyAvg. annual premiumAvg. monthly premium
USAA*$1,020$85
Geico$1,039$87
Nationwide$1,103$92
State Farm$1,159$97
American Family$1,277$106
Auto-Owners$1,327$111
Travelers$1,608$134
Farmers$2,107$176
Progressive$2,877$240
Allstate$2,879$240

*USAA offers car insurance only to military members, veterans and their families

Tips to lower SR-22 insurance costs in Indiana

Because the need for an SR-22 follows a major violation, car insurance after an SR-22 is expensive. The good news is that many of the methods for getting cheaper car insurance still apply after an SR-22. They include:

  • Raising your deductible
  • Working to improve your driving record (and avoid any further tickets or accidents)
  • Discounts, including for bundling your auto and home  insurance
  • Usage-based programs that monitor your driving habits in return for a discount
  • Shopping around

Shopping around is the quickest and easiest way to get cheaper Indiana car insurance, even with an SR-22.

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Auto insurance FAQs

What happens if I fail to maintain SR-22 insurance in Indiana?

If your insurance lapses, the insurance company will report it to the BMV. Your license will be suspended or even revoked permanently.

Can I switch insurance providers while I have an SR-22 filing?

Yes. Switching insurance providers with an SR-22 filing is permitted. Just make sure there is no lapse in coverage and that the new insurance company files the SR-22 form.