How to get an SR22 Insurance in Indiana

How to get an SR22 Insurance in Indiana?

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What is an SR22 Insurance and why do I need it?

An SR22 insurance is needed by a state’s Department of Motor Vehicles (DMV) as confirmation that a driver meets the minimum basic requirements of vehicle liability insurance needed by the state. 

SR22 is basically a certificate of financial responsibility which is needed to reestablish your driving privileges after a driving infraction for example, a DUI conviction, an uninsured car crash/auto accident.

Though it is commonly referred to as “SR-22 insurance”, it’s not insurance. It is simply a document provided by the insurance company that proves the driver has the minimum liability coverage on the car insurance policy required by the specific state.

 

SR22 Insurance in Indiana

If your license is suspended for any moving violations or you are convicted of a more serious driving-related offense then the Indiana Bureau of Motor Vehicles (BMV) will likely need you to obtain an SR-22 from a licensed auto insurance company in order for you to get your license reinstated.

The SR22 insurance in Indiana certifies that you have the state-mandated minimum car insurance coverage required to drive or to have your license reinstated after being convicted of one of a few serious driving offenses.

SR-22 requirements in Indiana are unique to the state. So it’s important for you to understand how this will impact your insurance rate, driving record and other factors.

 

Who needs an SR22 Insurance in Indiana?

SR22 car insurance in Indiana is essential for drivers –

  • With unpaid legal judgments.
  • Whose license gets suspended or revoked due to a DUI/DWI
  • Who were caught without auto insurance or were unable to show proof of insurance to the authorities.
  • Who were caught falsifying motor insurance certifications
  • Whose license was suspended after hit-and-run, vehicular manslaughter, committing perjury regarding vehicle registration or a driver’s license application
  • Who refuse to take a Breath Alcohol Test

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What is the basic minimum coverage amount to be purchased and maintained by all the drivers requiring an SR22 in Indiana?

The state of Indiana requires all drivers requiring an SR22 Insurance to have a basic minimum coverage of –

  • Bodily injury: $25,000 per person and $50,000 per accident.
  • Property damage: $20,000 per accident.
  • Uninsured motorist bodily injury: $25,000 per person and $50,000 per accident.

 

How do I file an SR22 Insurance form in Indiana?

Your SR22 insurance in the state of Indiana can be acquired from your auto insurance provider who will file your SR22 form with the Bureau of Motor Vehicles (BMV) for a fee. You will receive a copy of the form along with a letter from the Bureau of Motor Vehicles (BMV) once your SR22 insurance filing has been accepted.

SR22InsuranceNow can help you in getting the cheapest SR22 Insurance in the state of Indiana. Our nationwide partnerships with top providers (Geico, State Farm, Progressive, Allstate & more) makes sure you get the cheapest SR22 insurance rates in Indiana. Call us now at 888-885-3948 to compare rates from top providers and get the best offer unique to your needs!

 

How much does an SR22 Insurance cost in the state of Indiana?

In Indiana, your insurance provider will charge you a filing fee of $15 to $35 to file for an SR22 insurance. But car insurance providers typically charge a higher premium for drivers having an SR22 certificate to account for the increased risk of claim payout.

The increase in premium amount you get depends on the provider you choose, severity of your driving violation, age, and some other factors.

You can check the table below to get an estimate of how much an Indiana SR22 Insurance is going to cost you – 

High Risk Rating Factor Average Annual Rate Increase vs. no violations
No Violations
$1,165
-
At-fault collision with damage over $2,000
$1,656
$491
Speeding of 21-25 mph over the limit
$1,483
$318
Reckless driving
$1,695
$530
Racing
$1,654
$490
Hit-and-run
$1,738
$573
DUI/DWI
$1,635
$470

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How long do I need an SR22 in Indiana?

In Indiana, all drivers requiring an SR22 insurance must maintain it for a minimum of three years (36 months). Moreover, if you cancel/let your SR22 insurance policy lapse prematurely, your auto insurance provider will notify the BMV and your driving privileges will be suspended until you get your SR22 renewed.

 

Non-Owner SR22 Insurance In Indiana

In Indiana, non-owner SR22 insurance is required for drivers who drive a car but don’t own it. This includes coverage for any damage caused by the driver while driving. The cost of a non-owner SR22 insurance in Indiana depends on a few components including age, sexual orientation, postal division, conjugal status, driving record, and FICO score.

SR22InsuranceNow can help you in finding insurance companies in Indiana that offer non-owner SR22 insurance. It just takes a couple of minutes and you can have your non – owner SR22 documented on the same day. Call us at 888-885-3948 now!

 

Frequently asked questions related to SR22 Insurance in Indiana

1. Where can I get the cheapest SR22 in Indiana?

SR22InsuranceNow can help you find the cheaest SR22 in Indiana. Top cities covered are Indianapolis, Fort Wayne, Evansville, South Bend, Carmel, Fishers, Bloomington, Hammond, Gary, Lafayette, Muncie, Noblesville, Terre Haute, Kokomo, Greenwood, Anderson, Elkhart, Mishawaka, Lawrence, West Lafayette, Columbus, Jeffersonville and more.  

SR22InsuranceNow can help you in getting the cheapest SR22 in Indiana by letting you compare SR22 car insurance quotes from various top providers (Geico, State Farm, Progressive, Allstate etc) 

Call us now at 888-885-3948!

 

2. How to get cheapest SR22 Insurance without a car in Indiana?

In Indiana, if you don’t own a car, you have to get a non – owners SR22 Insurance. This insurance covers the cost of any damage caused by the driver while driving.

SR22InsuranceNow will help in finding insurance companies that offer the cheapest non-owner SR22 in Indiana. It just takes a couple of minutes and you can have your non – owner SR22 documented on the same day. Give us a call at 888-885-3948 today!

 

3. Which companies offer cheap SR22 in Indiana?

In Indiana, top insurance companies like State Farm, Geico, Allstate, Progressive and many more offer SR22 Insurance. 

Call SR22InsuranceNow at 888-885-3948 and compare SR22 car insurance quotes from top providers (Geico, State Farm, Allstate, Progressive)

 

4. Which companies offer cheap Non – Owner SR22 Insurance in Indiana?

State Farm, Geico, Allstate Progressive and other top companies offer Non – Owner SR22 Insurance in Indiana. 

You can call SR22InsuranceNow (888-885-3948) and one of our executives will assist you in getting the cheapest Non – Owner SR22 Insurance plan now!

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