- 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 type of insurance. It's a form your insurance company files with the state to prove you have the minimum car insurance required to drive in Indiana. SR-22 insurance generally refers to auto insurance coverage that requires an SR-22 filed by your insurance company for you.
Most drivers in Indiana don't need SR-22 insurance. Drivers who do need an SR-22 have been convicted of serious violations like reckless driving, DUIs, or multiple offenses in a short time. If you are required to file an SR-22, you will be informed of how long you need to keep it.
"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?
While filing an SR-22 form is typically inexpensive, the associated fines and increased insurance rates are costly. On average, SR-22 insurance in Indiana is $1,713 but varies significantly based on the driver and infraction.
Keep in mind that insurance rates vary from company to company, so shop around to find the cheapest SR-22 insurance available.
Average SR-22 insurance cost in Indiana by violation
Your insurance rates don't increase because of the SR-22. The SR-22 is required because of a violation, and it's the violation that increases your rates.
For instance, you may require an SR-22 for a DUI or driving without insurance. The car insurance rate increase will be based on the infraction, not the SR-22.
This table shows the average costs for violations requiring an SR-22. The rates vary depending on the 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
After a single DUI, the cheapest company on average is Progressive with average rates of $1,830. Affordable SR-22 coverage with a DUI is a little harder to find, but shopping around can help. Some insurance companies are willing to view the first DUI as a one-time mistake, offering more affordable rates than others.
The table below shows how average insurance rates change after one DUI, based on the company. Insurance rates do go up after a DUI, but the increase isn't as high as it is for multiple violations.
| 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 annual rate of $1,945. Drivers can get reckless driving tickets for many reasons, such as excessive speeding, running red lights, texting while driving, or tailgating. No matter the reason, reckless driving in Indiana results in fines, an SR-22 requirement, and increased car insurance rates.
Check the table below to see how average insurance rates for reckless driving compare across 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
The cheapest company for car insurance after getting a ticket for driving without insurance is GEICO, with an average rate of $1,508 annually.
In Indiana, drivers must carry at least the minimum required auto insurance. If you don't, you could face fines, higher insurance rates, and the need to file an SR-22.
The table below shows car insurance rates by company for drivers who had 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 may require you to file an SR-22 form even if you don't own a vehicle as a prerequisite for reinstating your license. Drivers who sometimes borrow or rent a car can buy non-owner SR-22 insurance, which provides state minimum auto insurance coverage. A non-owner car insurance policy meets the legal requirements, and an SR-22 can be filed based on that policy.
It's important to note that non-owner car insurance only acts as secondary liability coverage when driving someone else's car. If you buy a car, you will need the proper insurance to drive it in Indiana.
How long do you need an SR-22 in Indiana?
In Indiana, drivers usually need to keep an SR-22 for 180 days after conviction. If you don't maintain insurance during this time, the consequences can be serious. You'll be breaking the law and could face more fines and 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.
Reasons you may need an SR-22 in Indiana include:
- DUI
- Reckless driving
- Multiple infractions in a short amount of time
- Failure to maintain auto insurance
- Refusing a breathalyzer
- 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?
The consequences may be severe if you don't retain insurance and fail to maintain your SR-22 filing. Possible consequences include:
- Revoked driver's license
- Fines
- Increased auto insurance
- Restarting your SR-22 time period
- Having your car impounded
- Jail time
Can I switch insurance providers while I have an SR-22 filing?
Yes, you can switch auto insurance companies if you have an SR-22. Your new insurer must file the SR-22 on your behalf. Make sure your new policy, along with the SR-22, is active before you cancel your old one.
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