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Laura Berry

Former Insurance Agent

Former Insurance Agent

Joshua Adamson

Joshua is a copywriter at Obrella who for more than 10 years has been creating content about insurance, health care, and more. He helps companies explain complex insurance subjects in simple ways so that customers can make smart buying decisions. He spends way too much time binge-watching Netflix, loves the outdoors and has a cat who tolerates him.

UPDATED: Aug 18, 2023

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Understanding Sr-22 In Indiana: A Comprehensive Guide For Your Peace Of Mind

Our Commitment to You

At Obrella, we are committed to providing you with the information you need to understand SR-22 insurance in Indiana. We know that obtaining an SR-22 can be a confusing process, and we want to ensure that you have the peace of mind you deserve.

Throughout this comprehensive guide, we will explain what SR-22 insurance is, who requires it in Indiana, and how you can obtain it. We will also provide alternatives to SR-22 insurance, discuss its costs, and answer common questions you may have. By the end of this guide, you will have a solid understanding of SR-22 insurance in Indiana and be better equipped to navigate the process.

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Finding the Best Auto Insurance Rates

Before we dive into the specifics of SR-22 insurance, it’s important to understand the importance of finding the best auto insurance rates. When you’re required to carry an SR-22, your insurance premiums may increase. However, by comparing rates from different insurance companies, you can find the most affordable option.

Start by gathering quotes from multiple insurance providers. Consider factors such as coverage limits, deductibles, and customer reviews. Remember that the cheapest option may not always be the best. It’s essential to find a balance between affordability and quality coverage.

Additionally, look for insurance companies that specialize in high-risk drivers or those who have experience with SR-22 insurance. These providers may offer more competitive rates and better support throughout the process.

Understanding SR-22 Insurance

SR-22 insurance is not a type of car insurance policy but rather a certificate that proves you have the required insurance coverage. It’s often required for individuals who have been involved in serious traffic violations, such as driving under the influence or driving without insurance.

The SR-22 certificate serves as proof to the Indiana Bureau of Motor Vehicles (BMV) that you are maintaining the minimum liability insurance coverage required by law. It ensures that you are financially responsible for any accidents or damages you may cause while driving.

What Does SR-22 Cover?

An SR-22 certificate typically provides liability coverage, which means it covers damages and injuries to others if you’re at fault in an accident. The minimum liability coverage requirements in Indiana are:

  • $25,000 for bodily injury per person
  • $50,000 for bodily injury per accident
  • $25,000 for property damage per accident

It’s important to note that the SR-22 certificate doesn’t provide coverage for your own vehicle or your medical expenses. You will need to carry separate insurance policies to cover those aspects.

How Long Do You Need SR-22 Insurance?

The duration for which you must maintain SR-22 insurance varies depending on your circumstances. In most cases, you will need to carry it continuously for three years. However, certain serious offenses may require longer periods of SR-22 filing.

It’s crucial to fulfill this requirement without any lapses in coverage. If your policy is canceled or expires, the insurance company will notify the BMV, which may result in the suspension of your driving privileges.

Who Requires an SR-22 in Indiana?

In Indiana, certain violations and circumstances may lead to the requirement of an SR-22 certificate. Some situations that may trigger this requirement include:

  • Driving under the influence (DUI) conviction
  • Driving without insurance
  • Multiple traffic violations within a short period
  • At-fault accidents resulting in injuries or fatalities
  • Suspension or revocation of your driver’s license

It’s essential to understand that the decision of whether you require an SR-22 lies with the BMV. If you’re unsure whether you need an SR-22 certificate, it’s best to contact the BMV for clarification.

How Can I Find Out if I Need an SR-22?

The easiest way to determine if you need an SR-22 is to contact the BMV directly. They will have the most up-to-date information regarding your driving record and any required filings.

You can reach the Indiana BMV by phone or visit their website. Be prepared to provide them with your driver’s license number, as this will help them access your records more efficiently.

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Where to Obtain an SR-22 in Indiana

Once you have confirmed that you require an SR-22 certificate, the next step is to find an insurance company that can fulfill this requirement. Most standard auto insurance companies offer SR-22 filings as part of their services. However, not all insurance providers may be willing to work with high-risk drivers.

Start by contacting your current insurance provider and inquire about their SR-22 filing process. If they don’t offer this service, ask for recommendations or search online for insurance companies specializing in high-risk drivers or SR-22 filings in Indiana.

When obtaining an SR-22, it’s crucial to provide accurate information about your driving history and any previous violations. Failure to disclose this information may result in the denial of your SR-22 certificate or the cancellation of your policy.

Alternatives to SR-22 in Indiana

If you’re unable to obtain an SR-22 certificate due to difficulties finding an insurance provider, there may be alternative options available to you. One such option is the Indiana Insurance Verification Program (IN-VER). Under this program, the BMV verifies the insurance status of registered vehicles electronically.

To participate in the IN-VER program, you must provide the BMV with proof of insurance coverage meeting the minimum liability requirements and complete the required paperwork. This can be a viable solution for individuals who can’t obtain traditional SR-22 insurance.

The Cost of an SR-22 in Indiana

The cost of obtaining an SR-22 certificate varies depending on several factors, including your driving history, the insurance company you choose, and the level of coverage you need. Generally, expect to pay a one-time filing fee ranging from $15 to $35.

However, it’s crucial to remember that SR-22 insurance could significantly impact your overall insurance premiums. With an SR-22 filing, insurance companies consider you a high-risk driver, which often leads to higher rates. It’s essential to compare quotes from different providers to find the most affordable option.

How Can I Reduce the Cost of SR-22 Insurance?

While you may not be able to eliminate the cost of SR-22 insurance entirely, there are steps you can take to reduce it:

  1. Improve your driving record: Avoid further traffic violations and accidents to demonstrate responsible driving behavior.
  2. Take defensive driving courses: Completing a defensive driving course can sometimes lead to insurance premium discounts.
  3. Shop around for the best rates: Compare quotes from multiple insurance providers to find the most affordable option.

By implementing these strategies, you may be able to lower your insurance premiums over time.

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Answers to Common Questions

Here are answers to some common questions regarding SR-22 insurance in Indiana:

Can I Get SR-22 Insurance If I Don’t Own a Car?

Yes, even if you don’t own a car, you can still obtain an SR-22 non-owner insurance policy. This policy provides liability coverage when you’re driving a vehicle that doesn’t belong to you.

What Happens If I Move to Another State?

If you move to another state while you still require an SR-22 certificate, you must continue maintaining it until your obligation period ends. However, you will need to ensure that your new insurance policy meets the requirements of the state you’re moving to.

Additional Resources for You

For more information on SR-22 insurance in Indiana, we recommend checking the following resources:

  • Indiana BMV website – The official website of the Indiana BMV provides detailed information on SR-22 requirements and other related resources.
  • Indiana Department of Insurance – The Indiana Department of Insurance offers valuable insights into various types of insurance, including SR-22.

Remember, understanding SR-22 insurance is crucial for your peace of mind. By familiarizing yourself with the requirements and processes involved, you can navigate the system confidently and fulfill your obligations promptly. At Obrella, we are here to support you every step of the way.

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